davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act states that it is EQUIFAX 's grave duty and responsibility to report correct and accurate information on my credit report and file. However, they are NOT doing so. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX  XXXX account ending in XXXX. These inaccurate late payment include XXXX days past due on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to XXXX U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EQUIFAX written instructionXXXX permission to furnish the late payments on my credit report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (FL)

I have sent a number of dispute letters with documentation to all three credit bureaus. Asking to remove the unauthorized inquires my first set of letters went out XX/XX/XXXX second set XX/XX/XXXX each set was tracked as received and confirmed by the credit bureaus however nothing has been done. Please see the following credit inquiries below to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

FTC Confirmed Identity theft items confirmed as ID theft by creditor are still being reported by Experian even though multiple 605b block request were received. XXXX and XXXX have complied, but Experian continues to report fraudulent items and refuses to investigate. 

FCRA 605B only allows for credit bureaus to deny a 605b block for " reasonable '' assessment of the request. Considering that the identity theft has been confirmed by law enforcement and the negative items were removed by both XXXX and XXXX. Experian is clearly in violation of FCRA section 605b.
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Collection Systems, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Specialized Collection Systems INC Account Number : XXXX To XXXX XXXX XXXX : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt to Specialized Collection Systems INC. Please attach copies of any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.I require compliance with the terms and conditions of this letter within 10 days, a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of Texas medical privacy rules.vI also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
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: AUTOMOBILE ACCEPTANCE CORPORATION (NV)

Under what authority, statute, or law does Automobile Acceptance have to share and or furnish my non public, private, personal, identifiable financial information? Automobile Acceptance has been put on notice about sharing my private, personal, non-public identifying financial information, and transactions and experiences to third parties, which include but may not be limited all consumer reporting agencies. I was never received full disclosure regarding my option to opt of of my non public personal information being shared and that was my right. Automobile Acceptance assumed they had my consent and they did NOT! I have revoked, canceled, and rescinded all presumed consent retroactively to date. Automobile Acceptance referred to 15 U.S. Code 6802 section d, that states limitations of sharing the account number for marketing purposes. However, being that I was never given the option to opt out initially prior to my information being shared, that code does not even apply. Pursuant to 15 U.S. Code 6802b I was never given the opportunity to opt out of having my non public personal information shared with third party affiliates, or explained how I could exercise my right to the non-disclosure of my information being shared. I have a right to privacy and full disclosure, and I was not provided either with Automobile Acceptance. Automobile Acceptance also stated they have the right to report consumers account information, which is their non public personal information, but under whose AUTHORITY? Federal law states the rights of privacy I have as a consumer and federal law supersedes any policies Automobile Acceptance may have. This information that is being furnished to the consumer reporting agencies is harming and injuring me.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, I discovered that someone has an account with Kohl 's Dept store using my SSN. It appears to be a clerical error rather than fraud. I have called Kohl 's 5 times and sent them a letter via registered mail ( signed for on XX/XX/16 ) with my address, phone #, email and copies of my SS card, Kohl 's card, and social security statement with my date of birth and SSN and have received no response. My account was closed in 2016 and apparently purged from their system. Every time I call, they can find no record of my account and no record of my previous calls and they add more of my personal info to her account. In XXXX, I received a copy of her statement containing her entire account # and 2 letters regarding disputed charges, addressed to her at my address. I last spoke with supervisor XXXX # XXXX in the fraud dept on XXXX. He told me that they can not respond to my complaints since I do not have an account in their system. He looked up her account using the info that I gave him and assured me that all of my info had been removed from her account and I should have no further problems ... but was surprised to hear that the Florida address still in her account was mine, not hers. ( She lives in XXXX, WI. ) He told me that Kohl 's can not remove my info from her account unless she requests it, even though she did not put it there ... Kohl 's did. After this phone call, I received an email addressed to her at my email address containing her rewards ID and PIN ( XXXX ) and coupons addressed to her at my Florida home address. They have breached her privacy and mine and are not interested in correcting it! 
I have documentation supporting all my claims. The instructions on the website said not to send personal info unless requested by you, but steps 4 and 5 ask for info. 
Her name is XXXX XXXX, account # XXXX XXXX XXXX. As I said, Kohl 's has no record of my account and will probably not be able to find any record of my complaints if you give them only my acct #. You may need to have them look it up by her acct #.
Consumer complaint received 2020-11-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (NJ)

In applying to refinance I learned that my current mortgage is not reported on my credit report - unable to refinance since I do not have a current loan. 

I contacted Shellpoint Mortgage Servicing on XX/XX/XXXX2020 and spoke with a XXXX who took a report of the issue. 

Shellpoint was contacted on XXXX to follow up and they informed me that the issue was " fixed '' on XX/XX/XXXX The loan still was not reflected on my credit file, so on XX/XX/XXXX I spoke with XXXX XXXX at Shellpoint. She informed me that the issue was reviewed but it would take time for a full resolution and that it should be resolved in two weeks. 

XX/XX/XXXX I spoke with XXXX XXXX of Shellpoint who escalated the matter to a supervisor. Both XXXX XXXX and the supervisor opened up tickets with the " credit manager '' and I was told it should be resolved in 72-hours. 

XXXX the loan was still not reported, contacted Shellpoint and asked XXXX XXXX to connect me with the " Credit Manager '' there is no such person and the call was referred to a supervisor, XXXX. XXXX advised me to send the complaint in writing. The complaint was sent via US Mail, Certified Mail and eMail ( received by Shellpoint on XXXX ). 

Several transactions are being held up by this companys incompetence.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

XXXX XXXX have restricted my Apple Card since XX/XX/22 and have refused to let me know why or rectify the situation after multiple calls. I'm unable to use my card.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (MI)

In XX/XX/XXXXXXXX  New Rez/Shellpoint mortgage raised our mortgage payment from {$1200.00} to {$1700.00} with XXXX notice to us. We reached out to them and discovered it was an issue with our escrow account. We asked them to readjust because we could not afford that amount, especially during a pandemic, and they refused. When we closed on our house our city did not turn in our homestead paperwork and they were trying to contact a different XXXX XXXX so we had no idea that our house went non-homestead XX/XX/XXXX until XXXX of XXXX. We filled out a new Principal Residence Form in XX/XX/XXXX and as of XX/XX/XXXX our house was now homestead and we were getting a refund for our XXXX property taxes. But they only meet once a year and weren't meeting until XX/XX/XXXX. New Rez jacked up our escrow account in XX/XX/XXXX with XXXX notice. They refused to recalculate it even though our house was in fact homesteaded. They wouldn't accept any forms from the State of Michigan Equalization Department. The State of Michigan and the City of XXXX all were stumped on what to do. I finally got a hold of a superviser at New Rez/Shellpoint who said we can continue to pay our regular payment of {$1200.00} and in XXXX when our homestead case for XXXX was reviewed they would lower our escrow amount. We ended up selling our house in XX/XX/XXXX. 

We are now went to get pre-approved for our new house and New Rez/Shellpoint marked us late on XX/XX/XXXX and XX/XX/XXXX! When we made the {$1200.00} payment that their representative told us to!! We even called in to pay it and they assured us it wouldn't be a late payment. 

This company is without a doubt unethical. I have been trying to dispute their late payments and get letters of deletions for the two instances and I can not even get ANYONE on the phone. They do not answer at all. We have had countless issues with them in the past, they have no business dealing with peoples mortgages and credit scores.
Consumer complaint received 2020-11-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX* Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Consumer complaint received 2020-11-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (CA)

I have know knowledge about this account. When I asked XXXX XXXX about proof showing this account belongs to me, it was never given. He was very rude and unprofessional. I am a victim of identity theft. I never had or use this service or know anything about it. This is negatively affecting my credit score I want this fraudulent account removed from my credit file immediately.
Consumer complaint received 2020-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Unable to process DISPUTE on site that is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. 

No matter how many times you try, it always says " Dispute Temporarily Unavailable '' This CFPB agency is a joke. You guys never do anything to help ordinary Americans.
Consumer complaint received 2020-11-14
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: AMERICAN ADVISORS GROUP (TX)

I have complained and asked multiple times American Advisors Group ( AAG ) a simple question. Where in section 604 of the FCRA does it allow a COMPANY to receive verbal permission as authorization to access a person 's credit report? All they have to do is supply the section and paragraph in FCRA Section 604. However they cover up and dodge the question, make matters worse, and simply state " we had appropriate permissible purpose under FCRA Section 604 '' and continue by stating " We are also confident in the process and partners used to complete this action and reaffirm that our process has been thoroughly vetted and meets all applicable Federal and State requirements ''. Then they continue by making me seem uneducated and alluding I am unhappy about the outcome of my application. I was not properly vetted by AAG and my barndominium is excluded for financing. The question is simple - Where in Section 604 of the Federal Credit Reporting Act ( FCRA ) does it allow a COMPANY to receive verbal permission as authorization to access a person 's credit report?
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Filed a complaint with capital one on the following dates : XXXX XXXX XXXX All for the same issue of my current credit card Which was opened on XXXX XXXX not appearing on my XXXX credit report. I have filed a complaint directly with XXXX and it still has not been resolved. Inaccurate data is being reported and that is not okay. The inaccuracy of reporting is causing a great financial burden for me and my family.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Identity theft has allowed someone to open several fraudulent accounts that have went to collections. This unfortunate circumstance has effected my life in more ways than one. This needs to be removed from my credit report within 7 days.