davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (NY)

I pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( 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 instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.
Consumer complaint received 2023-04-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NJ)

Credit bureau posted a debt in the amount of {$1300.00} with XXXX XXXX. It was determined that this debt was paid in full by the health insurance company. The debt was then deleted from my credit report XX/XX/XXXX. XX/XX/XXXX another credit bureau bought the debt and sent another notice to pay. After a conversation with the new collection agency i was asked to provide proof that this debt was paid by the insurance company. I faxed this information over to the collection agency. They failed to resolve this issue in full causing me to miss loan opportunities. This is against the fair debt act reporting laws. Please resolve this issue and provide me with the necessary information needed to remove this from my credit report.
Consumer complaint received 2021-09-20
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. (FL)

This is a complaint against timeshare XXXX XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CMRE Financial Services, Inc. (TX)

We applied for a home loan and and discovered that CMRE Financial Services was reporting medical debt collections for 3 accounts we were not aware of. They scored our credit a week prior and none of these collections were there. Also, in the reports they sent the mortgage company there is mention that the accounts were reraffirmed from Bankruptcy. We have never filed for bankruptcy and have maintained credit scores near 800 for several years. Once we were told about the medical debts which totaled {$310.00} We immediately called and paid those bills. We asked the company to delete the reports since we never received these bills and the statements having the reaafirmed from bankruptcy on the actions. They refused to delete the claim and were not cooperative when we asked. The reported collections have been paid and we need them deleted to rescore immediately because the small issue is inaccurately bringing down our credit scores.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OR)

I call XXXX and Seqium assets Solutions. On XX/XX/2020 and both company told me by phone and email they could not find I owe anything. I filed with experience an dispute this and XXXX and seqium will not take it off my report. I do not owe money at all! They falsely put it on my report and they wont take it off! Even after Ive contacted them multiple times and they tell me they could not find it!
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. The XXXX and Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2020-12-08
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2023-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SERVISFIRST BANCSHARES, INC. (AL)

On XX/XX/2023 my loan statement showed an amount due of {$430.00}. The amount due was equal to the interest - i.e., no amount was going toward principal. I made a payment of {$500.00} so that some of the principal would be paid off. This month ( today ), I received a new billl and the payment is now {$520.00} - again, this is only the interest on the loan - no principal is being paid down. I had previously called the bank ( XXXX in XXXXXXXX XXXX ) to inquire about my payment and they could not tell me the amount that was due each month. This is not an adjustable rate loan. I have been making rgular payments on this loan for years and the principal has been reduced by less than {$5000.00} versus the original loan amount. Since the payments increase every time I pay an additional amount and the change is reflected as interest only in the amount due, the way this is set up is such that the loan will never be able to be paid off and no matter what extra I pay, they keep raising the payment the next month and making the amount due only the interest on the loan. Something seems seriously wrong with this. As it stands, it's impossible to make automated payments on this account and have the payments applled toward the principal.
Consumer complaint received 2022-12-14
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. (TX)

I have these hard inquiries listed on my credit report : Trans Union : 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
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

The accordance with Fair Credit Reporting act this accounts has violated my rights. XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX. Purchased my debt from midland credit on an account originally held by XXXX XXXX. I started communications with them in XX/XX/XXXX. I arranged with one of their representatives, XXXX XXXX, on XX/XX/XXXX and arranged to make a down payment of {$580.00} on XX/XX/XXXX, then monthly payments of {$220.00} on the XXXX of each month until the debt is satisfied. XXXXXXXX XXXX has deducted the down payment and each monthly payment since that arrangement was made. I have not defaulted and am current on our arranged payment schedule. 

On XX/XX/XXXX I was served a civil action for the full amount originally due. The lawsuit was filed on XX/XX/XXXX, after I had arranged a payment plan. 

I have called XXXX three times since I was served. I have left messages regarding the lawsuit. I was told by XXXX, representative, XXXX XXXX, that XXXX XXXX has to contact me before they can do anything. That was on XX/XX/XXXX. It is now XX/XX/XXXX. 

I feel that XXXX is harassing me and violating the Fair Debt Collection Act by arranging a settlement then suing me for the full amount.
Consumer complaint received 2020-12-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2020-12-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2020-12-07
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. (PA)

On XX/XX/2020, I sent a letter to the bureaus about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to XXXX XXXX XXXX XXXX but my credit is making the process a lot harder.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Huntington Bank is making it very difficult for me to close my business checking account. They say they require me to come into a branch or send a notarized letter just to close the account! I do not want to do either of these things because both require interacting with people unnecessarily and putting myself and others at risk.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Name of Card Company : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dollar amount of error : Current balance Description of problem : This account was opened XX/XX/XXXX for {$4900.00} on a 24 month deferred/no interest account. On XX/XX/XXXX I set up an automatic payment account for {$210.00} to be paid each month for 23 payments to pay off the account. The first payment was sent on XX/XX/XXXX and payments were sent each month after that on a continuous basis. I reviewed the payments each month on my bank account to be sure they were going out but did not review the CareCredit account as I felt that assuring that the payments were being made in a timely fashion was adequate. I became aware of an issue when I received an email advising of a late payment after the date when the account should have been paid off. After review and discussing this issue with several CareCredit representatives I was advised that my first payment arrived on XX/XX/XXXX but the first payment was not due until XX/XX/XXXX. The first payment was not credited to my first due date. Instead my SECOND payment which arrived around XX/XX/XXXX - XXXX was credited to the FIRST due date of XX/XX/XXXX making my payment 2 days late as opposed to 27 days early and a late fee was assessed on my account. This same method was followed each month which resulted in accumulating 23 late fees for payments that were made approximately 27 days early each month. I have challenged the late fees and therfore when the 24 months were up on the account, the company back charged me for interest from the beginning of the account. Had the payments been correctly accounted for, the entire amount would have been paid off in XX/XX/XXXX and no late fees or interest should have been charged. 

I contacted Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, no one would give me their complete name or employee ID number. Each time I called, the person answering the phone said they had no authority to resolve this issue. Each time I requested their supervisor. The supervisor repeated the statement that they had no authority to resolve my issue. When I asked to speak to someone who could resolve the issue they said there was no one who could do that and refused to transfer me. 

I then sent a certified letter to Synchrony on XX/XX/XXXX which was picked up XX/XX/XXXX. I have not received a response to date. 

I am attaching a copy of the letter I sent, the approval of the account, a document showing where I set the account up for payment, and a recent notice from Synchrony Bank with the current amount they claim is now owed on the account due to late fees and back calculated interest.
Consumer complaint received 2024-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (LA)

On XX/XX/XXXX I logged into my Flagstar account and noticed a refund of {$2000.00}. I immediately called Flagstar Bank because I know my taxes are coming up to be paid in which Flag star has not paid yet. I then called and spoke with two customer service reps who informed me the refund was a result of an Escrow analysis that was ran in XXXX. Today is XX/XX/XXXX and Flag star still has NOT paid my property taxes as of yet. I emailed my tax statement and bill to an email provided by the customer service rep. Both reps said its Flagstar fault because someone who works in the escrow department failed to check to see I had property taxes due that should be paid by now. In error they sent me a refund check and failed to pay my taxes. I am requesting that my property taxes are paid ASAP. I found out about this error by logging into my account. I was not notified nor did I receive an escrow analysis in the mail. My taxes need to be paid ASAP. Also, on today XX/XX/XXXX I have found out my mortgage has increased from XXXX to XXXX. It seems Flagstar may have did another mortgage analysis without my knowledge nor have they provided me documentation. The last statement and document on their portal says my next payment of XXXX is due XX/XX/XXXX. There is absolutely no other statement or documentation explaining the increase in mortgage nor have my taxes been paid yet.
Consumer complaint received 2022-07-12
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions