davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (FL)

I had 2 credit card with the suntrust bank which were sold to Truist bank. I had a law suit filed by Truist Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/2021 I received the phone call from XXXX XXXX XXXX. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that XXXX XXXX XXXX XXXX Rep is talking about the second card and I settled the debt for {$3000.00} with the XXXX XXXX XXXX XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/2021 and XX/XX/2021 ). Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). I called Truist Bank and they said that they never received the settlement from XXXX XXXX XXXX nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to XXXX XXXX XXXX settlement. I attached the letter from XXXX XXXX XXXX. I paid for the same settlement twice and it is a fraud on Truist Bank side.
Consumer complaint received 2021-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After reviewing my credit report and noticed that my credit report had old, outdated information. The specific item in question is a Mortgage entry in my credit file. On the report this entry is listed as closed by Bank of America. Including the following information, the date of last activity which was XX/XX/XXXX, date it was reported XX/XX/XXXX and the date when the account was closed which was XXXX of XXXX. 
Based on this information on my credit file and my understanding of the Fair Credit Reporting Act which states credit bureaus are to automatically delete old outdated negative items from credit reports, I asked XXXX  to remove the old outdated information from my file. On its website XXXX  states the following closed accounts stay on your credit report for up to ten years from the date of last activity. Since the last activity date on the item in my credit file was XX/XX/XXXX which is which is 11 years well beyond the time allowed by law to remain on file. I asked XXXX  to remove the old outdated information from my file however as of XX/XX/XXXX they refused to remove the information. XXXX  stated they contacted Bank of America and they stated the account listed on my file was still open and when I asked XXXX  stated BOA did not provide any additional information. 
At this time I questioned how BOA reported the account closed on XX/XX/XXXX but now BOA is now saying the account still open. I asked the XXXX  employee XXXX XXXX XXXX regarding the discrepancy on Bank of Americas reporting. I argued that the account on my file was already reported closed in XXXX which she herself confirmed after doing research on my file. I asked if they would do any additional investigation into this matter. I questioned the fact of how after reporting the account closed back in XXXX, BOA is now saying the account is still open and her response was sir it doesnt work that way. We dont do any additional investigation we just report the information we get back from them, I asked wether the info was right or wrong and her response was we dont verify anything we just report the information we get. 
This is outrageous. 
1. XXXX  has not been in compliance by failing to automatically delete old, obsolete, and outdated information from my credit file.

2. XXXX  rubberstamps into consumers files incorrect information provided to them 3. BOA listed the information I wanted removed from my file as closed 8 years ago and the last activity took place in XXXX of XXXX. 
4. BOA reported to XXXX  the item in question on my credit file is not closed but rather is currently open.
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-06-22
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. (PA)

I dont know why these account keep popping up on my report! I informed the companies of the fraud activity and they corrected my reports and then with any written nor oral heads up that you would again report misleading information. I want these removed forever for I have already told and proved I did open these accounts.
Consumer complaint received 2022-12-15
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. (LA)

I am exercising my consumer right under 15 USC 1681c-2 Block of information resulting from Identity Theft. The below accounts were due to identity theft and I'm requesting to have the items removed and blocked from my consumer report within 4 days. 
Identity Theft Report # : XXXX
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am Writing this compliant for two reasonings as I entered a consumer credit transaction, on XX/XX/XXXX with Credit Acceptance I realized back in XX/XX/XXXX, I was violated in a few ways, I'm listing here, As I said a consumer credit transaction, ( 1 ) rushed ( robo signing ) ( 2 ) no rescission documents of any kind ( 3 ) no mention of my right to rescind the agreement ( 4 ) 90321, title I, 101, XX/XX/XXXX, XXXX Stat. 146, provided that : Section 401 of title IV of Pu Consumer Credit Transaction does not include any payments in cash value ( 5 ) As stated, I entered a consumer credit transaction for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX  XXXX XXXX XXXX of XXXX. At the time the company was doing business as XXXX XXXX XXXX XXXX XXXX. The vehicle purchase price was { {$15000.00} }, but the company added an optional gap contract { {$760.00} }, vehicle protection plan ( vpp ) { {$1300.00} }, Document preparation fee { {$96.00} } for state of MI, so the amount financed went up to { {$18000.00} }. The total cost was { {$34000.00} }, when I contacted the dealer to cancel the optional charges, they told me they can't do anything about it, and my only choice was to pay the loan on time for one year and then refinance it
Consumer complaint received 2021-07-09
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: I.C. System, Inc. (TX)

I noticed a collection account on my XXXX  credit report that does not belong to me. The account name and/or collection agency is I C System Inc. The original creditor is XXXX XXXX account # XXXX. Date opened XX/XX/2021. The collection shows {$310.00} past due as of XX/XX/2021. I have never had an account with XXXX XXXX so I immediately contacted XXXX in an attempt to correct the error directly. XXXX was unable to locate an account for me as I am not a customer. I filed a dispute with XXXX  on XX/XX/2021. I received communication from XXXX  on XX/XX/2021 advising my dispute had been completed. Unfortunately, XXXX  did not remove the collection from my credit report. I then contacted the collection agency, I C System Inc., on XX/XX/2021, to try and get additional information as they are the agency that reported the collection. I C System was also unable to locate me as a customer in their system. The representative searched for me by name, address/state, and social security number ; however, she could not locate a collection and stated it was clear there was an error in reporting. She advised me to contact XXXX  again about the issue. I spoke with a representative at XXXX  on XX/XX/2021. I went through the entire process again, and advised neither the original creditor nor the collections agency is able to locate me as a customer. He stated I needed to file a complaint with the Consumer Protection Bureau which is where I am now. I would like to have this issue resolved as soon as possible as it is negatively affecting my credit score. I do not have alot of information about the actual account and/or collection as I have never had an account with XXXX XXXX. Please contact me if you need additional information.
Consumer complaint received 2021-07-17
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. (MD)

This complaint is regarding consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem is a blatant disregard of my rights that Congress put forth for consumers protection, stating my written consent to my consumer report is needed before furnishing any information. The non cooperation giving makes pursuant 15 USC 1692k the agencies involved civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

This complaint is from the consumer who is also the natural person.
Consumer complaint received 2021-07-09
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: Experian Information Solutions Inc. (AL)

On XX/XX/2021 I sent disputes to Experian and they were certified mail, someone signed for these documents on XX/XX/2021 at XXXX pm with tracking number XXXX and I received no update nor response to the letters that were signed for. Then on XX/XX/XXXX I resent the letters via certified mail and it was signed for on XX/XX/2021 with tracking number XXXX at XXXX and I have yet to receive any results or even that its been investigated. I would like all that information on those letters permanently deleted from my reports. The laws put in place by the FCRA state that I have the right to challenge inaccurate information and Experian signed for my information and failed to respond its been well over 90 days, at this point I will be also suing Experian for not complying with the law as it pertains to FCRA. This time of treatment is unacceptable and a poor stall tactic on Experians behalf.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MD)

I filed a complaint on XX/XX/2021 # XXXX-XXXX  and today XX/XX/2021 I recieved a response back from my Mortgage company. They DID NOT address my issues that I am having with them. Also in their response they said I owe XX/XX/2021 mortgage which was paid in XXXX and I also have paid my XX/XX/2021 mortgage. Copies of cancelled checks are attached as well as the original complain that I filed. CFPB closed the complaint so I was not able to comment that they still have not fixed their mistakes on my mortgage payments that I made. As I have sent proof of the cancelled checks. 

Please see original complaint filed as well as SN Servicing Corporations response as well as my cancelled Mortgage payment checks that are attached. 

Thank you
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My house is in a flood zone XXXX I live in XXXX, CA which is a high altitude desert. The only reason why I am in flood zone XXXX  is because there is a creek in the back of my house, which is controlled by a XXXX. This is data that I've gotten from my home insurance company XXXX XXXX XXXX, from the previous owner when the house was sold, and from the company who managed my refinance earlier this year. 

SunTrust, my mortgage provider, claims I live flood zone AE. I have contacted them multiple times, and have forwarded the reports from XXXX and from my recent refinance to prove I am not in flood zone AE. Each time I contact them, they say they need to refer to their specialists which will take 1 week, and then I hear no reply. 

They charged me for flood insurance in my escrow account for {$2100.00} which I paid in full. However my monthly payment has increased by {$300.00} as if I still have an escrow balance and I'm still getting charged interest from escrow ( even though the balance is XXXX ). 

Today was the XXXX time that I've called SunTrust on this issue. After rerouting me multiple times, they eventually tell me to call someone else or that they will call me back. XXXX has asked that I get their flood zone maps in order to resolve this conflict, but SunTrust refuses to give me any documents verifying their claims, and they refuse to give me an email address so that I can have a paper trail of my correspondences.
Consumer complaint received 2023-04-04
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$50.00} XXXX
Consumer complaint received 2023-04-04
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. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-10
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. (NC)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-07-17
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: Bread Financial Holdings, Inc. (MI)

On XXXX of XXXX I had locked my XXXX XXXX XXXX. In XXXX of XXXX they made an unauthorized charge to my card. I wrote a letter. In XXXX of XXXX they made another unauthorized charge. In XXXX they added interest so I wrote another letter. After that I called, the guy said he took care of it, so I closed my account. Now they keep adding interest.