davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (PA)

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 USC 1681. 

Account name : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (PA)

I applied to my Mortgage XXXX, New Day USA, to refinance my Mortgage, pay off some debts, with a cash-out of approximately, {$24000.00} to add a basement toilet and repair some plumbing. This personalized financial plan proposed by New Day USA, would have reduced my monthly Mortgage by {$540.00} and yearly by, {$6400.00}. I agreed and signed all the disclosures to move forward. The last step was the XXXX of our home at XXXX XXXX XXXX XXXX XXXX XXXX Pa. 
The XXXX was, XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX Fed. I.D . # : XXXX I recognized XXXX as the same XXXX that appraised the home when we purchased the home. XXXX XXXX was rude, unprofessional with no politeness. 
He took photos. I asked him to photograph the large amount of property attached to our home. He replied sarcastically, " do you want to be in the photo also? '' He swiftly ignored the amazing work we had done, removing and refinishing the floors, which were stapled with carpet XXXX XXXX XXXX. Without addressing this description further, I am sending you a copy of XXXX XXXX 's, " so-called '' XXXX. The XXXX is Sloppy, XXXX & White Photo copies, fuzzy and unrecognizable as the home I live in. A professional XXXX company can not seem to afford to give XXXX, clear photographic description of my home, which is used to base an important decision on the financial future of a 100 % Service Connected Veteran and family. This XXXX is " ludicrous '' and insulting. After being denied a Cash Out by New Day USA, which they based the denial on the XXXX 's " old school '' XXXX appraisal antics, I asked my Mortgage company for a different XXXX. I was declined and told to wait another 6 months. While New Day Mortgage determined that I didn't have sufficient " Equity '' to approval the proposal which they had given me, New Day never considered that I am a 100 % Serviced Connected XXXX Veteran and I pay XXXX Taxes on my property. That fact should should bear more positively on such an important financial decision, than this disgusting, sloppy, XXXX and White non-professional, old school XXXX XXXX. I am prepared to send you XXXX photos of my home and property and you determine yourself how deceptive this so-called XXXX is and possibly fraudulent.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Trans Union is reporting an account through XXXX XXXX as open, even though it has been closed for XXXX  years. they are also reporting the date of first delinquency as XXXX of XXXX, when in fact it is XXXX of XXXX. I have confirmed with XXXX XXXX and they confirmed that the account is bother closed, and the date of first delinquency was in fact XXXX of XXXX this has been disputed with TransUnion XXXX times, and even though i provide evidence of my statements, they refuse to change it. they are inaccurately reporting my credit history which is a direct violation of the FCRA. Both XXXX and XXXX are reporting this account correctly, so I am unsure as to why TransUnion continues to inaccurately report. they have also clearly mishandled disputes
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (GA)

On XX/XX/XXXX, I was informed by letter that I had a XXXX XXXX period to respond to a final notice of debt collection before legal action was taken. Before that XXXX XXXX  period was over, my case was remanded to a legal team. In response, I reached out to the company, in an attempt to verify my debt. They declined to do so and reported my account to collections.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AL)

I came back from XXXX XXXX XXXX  to credit cards opened in my name. I contacted the company and was told that it was nothing that the company can do about it. basically blaming me for the card being opened. no resolution just oh well charge it off and put it on my credit pretty much. i been dealing with this since XXXX  and nothing have been done about it.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AL)

I came back from basic training to this credit card open in my name. I was told to take it up with XXXX XXXX who is also on the credit card. I never gave anyone permission to use my information while away. I contacted the company and was told that it was nothing they could do
Consumer complaint received 2023-01-31
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. (DE)

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 USC 1681. 

Account name : # XXXX, XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-01-31
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 2023-01-20
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: M&T BANK CORPORATION (NJ)

Inquiry of my credit report were made to financial institutions without my knowledge. 

The institutions were : M & T Bank, XXXX XXXXXXXX XXXX and XXXX XXXX. 

Plus other financial institutions. 

Froze all my credit reports. 

Put dispute resolution in the credit bureaus.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have an account with USAA and they have decided to end my banking relationship with them because of another non-bank related product issue. They were to close my account within 30 days of XX/XX/2020. As of today, XX/XX/2020 and being physically here at the branch in XXXX XXXX to withdraw my funds I am being told I still have to wait. My bills and other obligations have now gone seriously delinquent and may cause me to get evicted and Utlilities terminates because I can not access my funds.
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

1. Misrepresentation about non-interest program made in XXXX and XXXX of XX/XX/2019. 
2. Failed to describe the terms of a program that we enrolled in so that we can properly discharge the debt. 
3. Ignored FDCPA regulations. 
4. Co-mingled separate entities and accounts. 
5. Misrepresented information about credit reporting that had extremely negative consequences. 
6. Bounced the collections between American Express and third party collections teams but inconsistent information regarding debt we are not responsible for. 
7. Ignored two cease and desist requests. 
8. Refused to connect us with their legal department in regards to discussion of unfair practices.

9. Acted with trickery, deceit, and willful ignorance and purposefully evading specific problem areas and failing to honestly respond to questions and communications.

10. Refused requests for any written communications in regards to the debt collection.

11. Refused to review previous discussions with internal agents and third party discussions between collection staff and myself.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (UT)

Im getting scam calls and texts for MCM debt collectors. They have fake websites XXXX : XXXX other websites stating that the websites arent fake XXXX XXXX XXXXXXXX # They have you call XXXX and Im sure other numbers as well. They asked my name and then immediately for my social security number. They couldnt tell me what my debt was for.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TN)

XXXX.I have never had an account with this company SEQUIUM ASSET SOLUTION, REMOVE from all credit agencies from reporting. 
XXXX.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SEQUIUM ASSET SOLUTION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or XXXX  to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (TX)

The account from XXXX XXXX for the amount of {$1300.00} was investigation and the Credit Bureau removed the account because the information was not valid.. Sometime passed then the account was back on my credit report ... In which it was disputed and removed again. This account not valid. This account has been removed from my credit report then place back on several times.
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I applied online for a personal loan with Navy Fed your company discriminated against I sent a letter to Navy Fed and its been over 30 days with no response. Navy federal has discriminated against me by denying me my right to extend credit which is a violation of 15 USC 1691 ( a ) also 15 USC 6801 ( a ) by violating my right to privacy and consent by communicating without my consent my non public personal information to a non affiliated third party TransUnion. Furthermore violating 15 USC 1640 ( a ) ( i ). 
Proof of violations included in attachment
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

To Whom it May Concern, I am writing to file a complaint against CCS COLLECTIONS for violating the Fair Credit Reporting Act ( FCRA ). Specifically, CCS COLLECTIONS reported a collection to the consumer reporting agency that they never actually collected, after I had already made payment to Esurance ( Regarding Policy number : XXXX ) for the amount of {$94.00}. On Tue, XX/XX/2021, at XXXX XXXX, I made a payment to XXXX for a past due balance of {$94.00}. This payment was made to fulfill esurance company 's requirement before purchasing a new car policy ( Policy number : XXXX ). The requirement was to pay any past-due balance before the issuance of the new policy. Which I did in the specified amount, day, and time above. You can verify these facts by calling the XXXX customer service center at XXXX ( XXXX ). 

Therefore, I am absolutely confident that CCS COLLECTIONS can not provide a date and transaction ID for this transaction, as it was paid by me, directly to esurance, right before I purchased a new car policy ( on Tue, XX/XX/2021, XXXXXXXX XXXX ; Policy number : XXXX ) from Esurance. At this time, esurance did not disclose or mention that the account had been acquired by a collections agency. Additionally, if the account had already been acquired by CCS COLLECTIONS, esurance would not have directly taken payment. Neither had CCS COLLECTIONS communicated with me before this date and payment, about the acquisition of my account. 

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ), " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. '' This section prohibits collection agencies from knowingly reporting false information about a consumer to a consumer reporting agency. CCS COLLECTIONS is in violation of this section by reporting false information about me to a consumer reporting agency. 

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against CCS COLLECTIONS for its violations of the FCRA. I request the CFPB to require an update of my report to reflect the accurate and verifiable information and request the deletion of any information relating to any outdated information being reported. I further request CCS COLLECTIONS to facilitate me with a copy of any changes to my report pertaining to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-27
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. (CA)

UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Consumer complaint received 2023-01-31
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. (MA)

I was in the process of applying forXX/XX/XXXXand it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain XX/XX/XXXXdue to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.