davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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: FC HoldCo LLC (MD)

Defendant Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, the altering of its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ). 

XXXX : I did receive an installment loan from Flagship with payment terms of 1 month. 

XXXX : I did not receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

I did receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered its number and account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.
Consumer complaint received 2024-11-20
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX Account info Account number XXXXXXXX XXXX XXXX Loan number XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months. 

I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your prompt attention, time and help in this matter. 

Sincerely,
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (NC)

To Whom It May Concern : This letter indicates you and your company immediately cease erroneous credit reporting. 
We demand that you and your company stop the monthly charge offs under the Fair Credit Reporting Act for fair and legal reporting debt. They then this fraudulent debt to STATES RECOVERY SYSTEM INC, who added on illegal fees without providing a contract that shows XXXX XXXX agreed to that fee. 
We closed our account in XXXX due to fraud, and you have placed over XXXX charge-offs since then. You are deliberately keeping the account open to justify the monthly reporting charge-offs. Members must maintain a {$5.00} balance per your website to keep tabs open. We have had a XXXX balance in the account since XXXX. Yet, every month, you send a statement reflecting a XXXX balance savings account claiming that the account is open. This is a direct conflict with the minimum balance requirement per your policy. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ) falls under non-compliance with the law and false reporting. 
In addition, this constitutes a breach of contract since the original credit card agreement does not authorize the re-charge debt. 
If you continue to issue charge-offs, we will be forced to take legal action against you for violation of the Fair Credit Reporting Act and will seek all available damages and remedies. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (GA)

On XXXX XXXX, my money from my account was stolen without my approval and from someone I don't know. It was done on the XXXX app on XXXX XXXX when I was trying to send money to a friend XXXX XXXX. Someone attached themselves to my account that i do not know and got into my bank details and stole {$890.00} from me!! It was done quickly without my authorization. I do not know what the money was used for as I did not get what was used for. 

I talked to XXXX after it happened and they told me this XXXX XXXX XXXX has done it before and they were banning him from XXXX. They told me I should get the money back from my bank. 

I talked to Citi bank about the details and they froze my card to immediately send me another one. They returned the {$890.00} to my account. They sent me paperwork to sign claiming that I have no knowledge of XXXX XXXX. I signed and returned the paperwork quickly. After a few months- they sent a letter at the beginning of XXXX saying they sided with XXXX and wanted me to pay back the {$890.00} which they took out of my account today. My dispute # is XXXX. 

I do not own a car and live in poverty. I teach piano from my home and online. I have not had a car for 10 years. I use XXXX to get to my appointments. I can not pay it back and don't think it is fair when I have done nothing wrong. I was ROBBED TWICE BY BOTH CITI AND REMITLY. THIS PERSON XXXX XXXX STOLE MONEY AND GOT AWAY WITH IT!!!
Consumer complaint received 2022-05-23
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)

FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/2017 XXXX {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-27
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 believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number XXXX XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/22 I paid {$5000.00} via American Express and entered into a contract with XXXX XXXX of XXXX XXXX XXXX XXXX for BUSINESS COACHING services ( valued at the specified amounts below from her XXXX  website ) to begin the week of XX/XX/XXXX. 
On XX/XX/22, merchant cancelled the contract via email because of a comment I made on her XXXX post. The comment does NOT constitute a material breach of contract in the state of New York, and therefore XXXX XXXX has failed to fulfill her contractual obligation. The merchant does NOT RESPOND TO ANY EMAILS OR PHONE CALLS. 
The merchant has offered a {$400.00} refund for the outstanding services she failed to deliver. This does not represent the FULL value owed, therefore I filed a dispute with American express. They have closed the dispute TWICE ( on XX/XX/22 and XX/XX/22 ) without offering an explanation or opportunity for me to refute the merchants counterclaim. 
I have not received ANY of the contracted services outlined below : 3 of the 6 weekly Strategy Calls ( valued at {$490.00} per session ) Curated Content planning NOT received ( valued at {$990.00} ) Custom Content Calendar ( valued at {$290.00} ) XXXX XXXX XXXX templates ( valued at {$690.00} ) I am seeking a refund in the amount of {$3400.00} for the services XXXX XXXX failed to deliver according to our contractual agreement.
Consumer complaint received 2024-11-20
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-30
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: Mercedes Benz Financial Services (MO)

These Financial Institutions has denied my right after numerous correspondence. I'm not asking them to remove my personal information from consumer reporting agency. I'm simply exercising my rights under federal law pursuant 15 USC 6802 ( b ). They have failed to provide me with Truth in Lending Disclosures & Gramm-Leach Bliley ACT . There excuses are a Retail Installment Contract that does not include the Opt-Out Disclosures, nor does it waive my rights as a consumer. 

I'd explained & pointed out the factual evidence of this federal law numerous warnings & they're still incompetent to comprehend my consumer rights. My financial personal information is unsafe & not properly safe guarded. An Installment contract does not waive my rights under federal law. 15 USC 6802 is a federal law that financial institutions must follow.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (FL)

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can furnish a account without my written consent instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-27
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: PNC Bank N.A. (NC)

In XXXX, 2022, I notified PNC XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that PNC had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, PNC cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the PNC call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from PNC and an independent collection agency. I also received a notice from PNC that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called PNC to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a PNC branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 PNC late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from PNC. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the PNC XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of PNC.
Consumer complaint received 2024-11-19
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. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX 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 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 2024-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AZ)

Since XXXX of XXXX I have had a mortgage on one of my properties that was serviced by XXXX  XXXX. The payment was {$1500.00} a month and everything was great. Last month they sold my loan to Mr Cooper. Mr Cooper sent me a letter saying I could log in to my account and make sure everything is good. I noticed that Mr Cooper is now going to debit my Checking account monthly in the amount of {$1600.00}. I tried calling Mr Cooper but they do not have live Customer Service. I can only talk to a computer and it doesn't know to solve problems. I used the chat button on their website and I reached a guy in XXXX. He had no idea why my payment went up so I asked to chat with his supervisor. His supervisor said he had no idea why my payment went up and he couldn't help me. I have nowhere else to turn. I checked with my insurance and that has not gone up and my taxes have only gone up by {$25.00} for the year.