davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MI)

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. 
SEQUIUM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$220.00}
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: AMERICAN EXPRESS COMPANY (FL)

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, AMEX # XXXX, XXXX XXXX XXXX. # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-02
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. (TX)

On XXXX and XX/XX/XXXX multiple letters were sent in to XXXX XXXX, XXXX and Experian disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and they also have gone against the Public Records Acts Violations and Privacy Act of 1974! I also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into XXXX XXXX they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/2022 XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-04-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

My last payment to navient when I defaulted my private student loan was XX/XX/XXXX of XXXX. 
I thought it was XXXX so I submitted a dispute with the credit bureaus. Navient has been reporting as charged off account since XXXX and that it was a XXXX XXXX  XXXX wrote off. At that time I was penalized drastically on my credit report by about XXXX points. I understand XXXX defaulted the loan. 
But not further payments were made. After I just disputed on XX/XX/XXXX I received an update from the bureaus that I have a new missed payment. 
The account status now shows on time and first missed payment was XXXX XXXX  XXXX. 

Spoke with the bureaus on recorded lines today and they said last activity was XX/XX/XXXX and that navient is supposed to fall off my credit report in XXXX XXXX XXXX. 

Navient re-aged my credit report making it to where I am now dinged XXXX years after I was already dinged on my report which is understand is not supposed to happen. 

Navient re-aged my credit report because I am at the XXXX for XXXX at XXXX  years and XXXX year from it being off my credit report. 

This loan is old. No recent payments. Last activity in XXXX. Loan shows charge off. I have not spoken with anyone regarding my student loan, attempted to make any payments, or received any calls from debt collectors. 

This is an inaccurate reporting on my credit report and should be adjusted to be accurate no false. 

Open dispute with XXXX, XXXX, and XXXX.
Consumer complaint received 2022-04-11
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. (GA)

I have a company that is reporting {$84.00} in collections on my credit report and it has drop my score from a XXXX to XXXX. I have no idea who or what this company is. I reached out to the company and they keep transferring me to a music hold machine. The company is also listed on XXXX XXXX XXXX as a fraudulent company. The company name is XXXX XXXX XXXX.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/XXXX I got a notification from XXXX, through XXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit report?
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Hi my name is XXXX XXXX XXXX XXXX and sending a complaint without any third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The letter I sent to Experian was dated at XX/XX/XXXX up until now I still havent receive any changes regarding the issue. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
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. (CA)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was 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, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (GA)

**THIS IS NOT A DUPLICATE COMPLAINT** On XX/XX/XXXX, I consumer XXXX XXXX , sent Receivable Performance Management a cease & desist letter to stop the infringement upon my intellectual property rights. This letter was sent via certified mail with tracking number XXXX. RPM received an alleged debt from XXXX and have been harassing me for payment. I did not consent to XXXX contacting a third party debt collector. I also do not have a contractual agreement with RPM. I previously asked for a debt validation letter on XX/XX/XXXX and they have failed to provide me with sufficient information to be able to validate this debt. RPM received a debt validation letter on XX/XX/XXXX so I could validate this alleged debt. RPM have failed to respond to my request for a debt validation on two separate occasions. This is willfully and negligently noncompliant with the federal law, 15 USC 1692g. RPM must zero the balance and close this account with their office.
Consumer complaint received 2024-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

My home was a new construction home and my builder collected for annual property taxes from me directly, which he paid to the county. I also paid into my escrow account for the annual property tax bill and those dollars are being held in my escrow account. Speaking with a customer service representative, they stated I had to send an email to their escrow team ( evidently can't be completed by phone ). It has been over a month now since my complaint with them was submitted and I still can't get someone to respond to me. Please help me.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

This was for not returning equipment. When I learned of it previously from my credit reports I made arrangements and returned the equipment ( cable box ). The collection was removed from my report. Then, all of a sudden it appeared back on my report a couple of years later. This is an unlawful collection and the company should be made to indemnify me for my experience.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TX)

INNOVATIVE RECOVERY, INC has reporting a fraudulent account on my consumer report without my consent and has damaged my reputation with the banking system. As a federally protected consumer I revoke remedy against INNOVATIVE RECOVERY, INC for illegally furnishing false information on my consumer report without my permission which is a violation of 15 USC 1692c ( a ) of the fair credit reporting act. Which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I was never given a notice about the alleged debt before it was furnished on my credit file illegally. As the consumer pursuant to 15 USC 1692a ( 3 ) I demand this account be removed. I demand you cease all collection attempts through all mediums even phone calls and mail Pursuant to 15 USC 1692c ( c/ 1X2/ ( 3 ) I will invoke remedy for my damages pursuant to 15 USC 1692k . Pursuant to 15 USC 1692d ( 2 ) furnishing this alleged debt is abuse and me seeing it just hurt my heart. INNOVATIVE RECOVERY, INC is also in violation of 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 8X9 ) ( 10X11 ) for furnishing the alleged amount which is false and misleading of {$1900.00}. How can I owe a positive amount it. In Violation of 15 USC 1692i ( a ) Furnishing deceptive forms to credit reporting agencies.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-04-11
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. (WI)

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.
Consumer complaint received 2022-06-14
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. (MS)

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 credit score over XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 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 Transunion more than XXXX 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America closes my account XX/XX/XXXX I was phished and fraud was done on account. The bank informed me that my account would be closed and that my XXXX direct deposit would be sent back to XXXX. On the XXXX my direct deposit was accepted. I did not find out until XXXX that they had accepted my deposit. I spent everyday of last week trying to get my payment. Which is every cent I have. I informed them they could not legally withhold my payments as it had protective status. They escalated it 2xs but denied releasing it. Till they close the account and send me a paper check. XX/XX/XXXX. I again told them they were legally obligated to release my funds. On Wednesday the XXXX I went to a branch with the same apology and result. The associate at the branch filed an internal complaint has he realized the stress that the bank decision was putting me under. I also in this process inform the bank of some of the fraud that was done on my account making it easy for easier for them to investigate it. They removed 3 bogus despite totalling {$340.00}. XXXX in Texas was helpful and removed these disputes. 
I received apologies and we escalated it to the department that put the illegal hold on my funds. I requested numerous times to speak to the person who was making this decision or any including legal who can reverse this each time expressing the where violating either Federal law or FDIC rules and regulations. I was informed that it was not possible that this was final decision and my money would ve went by paper check on the XXXX. I told what exactly happened that there was no activity on the account since XX/XX/XXXX not only was the bank at no risk of losing anything that in fact I would follow up with the Consumer Protection Agency. That they were actually putting the bank at risk for not releasing funds that they had no right to hold. They would not give me upper management therefore I am filling this complaint. I request my payment immediately that the bank be sanction as per the law. That I receive my payment the interest from XXXX and any and every fine or penalty that I am legally entitled to by law. I further request that the bank nor be allowed to refuse access so to those making decisions and hide behind digital walls and bank rules and regulations as defacto way of avoiding legal responsibilities of the bank to release protected XXXX funds.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (NJ)

In regards to account XXXXXXXX XXXX  XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

XXXX You have never dealt with this before! You excuse of unacceptable. 
An investigation needs to be done into fraud you are reporting on my credit report. The excuse XXXX  is suing is unacceptable. XXXX perpetrated fraud and you have displayed that fraud on my credit report.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX 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