davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (TX)

Received a phone call from XXXX ( XXXX ) XXXX that left a voicemail with a man identifying himself as XXXX demanding that I called him back at XXXX as he and his company spent enough time and resources to locate me to pay a debt in which I have no knowledge of this company or who theyre trying to collect for.
Consumer complaint received 2021-09-02
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 — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Dear Sir or Madam : As of XX/XX/XXXX TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports. 
the items I dispute on the attached copy of the report I received.The information on ONEMAIN reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2021-10-09
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. (PA)

Unauthorized inquiries I did unauthorize from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX sould be removed from my credit report thanks
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXXXXXX : {$370.00} XXXX XXXX  ( Original Creditor : XXXX XXXX OF XXXX ) XXXX : {$470.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX : {$2000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX : {$640.00}
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

My mortgage was recently transferred to a company called LakeviewXXXX. XXXX. I received a letter dated XX/XX/XXXX, in the mail today, XX/XX/XXXX, stating my mortgage payment is due XX/XX/XXXX, and that it is late after XX/XX/XXXX. My mortgage payments have never been late, and they have always been automatically deducted from my bank account. My concern is that my mortgage payment is now late because the new mortgage holder failed to seamlessly take over my mortgage, and they negligently failed to notify me timely of actions I might need to take to get the automatic payment taken out properly. I also have an excellent credit score over XXXX, and I will be very upset if this negatively affects my credit score.
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX  remove a disputed and erroneous account in my name from collections and eliminate the balance and remove all credit bureau reporting.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

The consumer has been banking with JP Morgan Chase since XX/XX/XXXX. I few weeks ago the consumer received a text alert of an amount pending for {$2200.00}. The consumer contacted the customer service depart to inquire about the charge but was holding for significant amount of time. However, an agent answered and try to rectify the situation. Additionally, another charge of {$100.00} was not authorized by the consumer. However, Chase associates gave the entity XXXX the new debit card that was issued to the consumer around a few months back. When the consumer asked how the entity XXXX got ahold of the consumer new debit card credentials, the agent stated we do that all the time. That was a fictitious obligation which the consumer was not liable for. To make matters worse JP Morgan also participated in garnishment of the consumer account, then charged the consumer {$100.00} in violation of 15 usc 1692i. Chase is now acting as a debt collector by acting on behalf of an attorney who is in violation of 15 usc 1692e ( 3 ). Whereas the consumer did not consent to be sued by any attorney. There is no warrant of Attorney attached authorizing another to act on the grantors behalf. Whereas JP Morgan Chase has violated the FDCPA, and 15 usc 1673. Additionally, acting as a debt collector without any license from the State of Georgia to collect obligations of the United Sates. The alleged " debt '' from back in XXXX which has passed the statute of limitations. JP Morgan is complicit in divulging the consumer 's information in violation of the privacy Act. This action by chase has caused a detrimental effect on the consumer. The actions of Chase have prevented the consumer from acquiring a home due to adverse reporting which is illegal under 12 cfr 226.13 resolution 27. The court action was supposedly held without the consent of the consumer in violation of Rule 73a. JP Morgan Chase is using false and misleading business practices, by not giving the consumer full disclosure on opening an account with them ; they are operating with unclean hands. JP Morgan Chase is acting as designee for the consumer without full disclosure. At no point in time did the consumer agree to appoint any agent to act in a fiduciary representative manner for the consumer/ beneficiary of the account. This is a blatant breach of privacy whereas the social security number of the consumer was not redacted on the publicly accessible document.
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Sales Inc. (GA)

1. Merchant ( U.S. Auto Sales, Inc. ) presented the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT ( Exhibit A ) with false and misleading terms and conditions to obtain a security interest in the motor vehicle, insurance policies and proceeds, and other financing contracts for service or insurance, as the Merchant failed to disclose and/or apply the amount of credit extended to me, the Affiant, from my open-end consumer credit plan. The Merchant made completely false representations of the amount of the alleged debt. 
2. Consequent of the willful and knowing failure of the Merchant to properly compute and disclose the Finance Charge as the sum total of all charges, Merchant made patterned and continuous unauthorized use of fraudulently obtained credit card data ( Exhibit B attached ) ( for charges exceeding the Finance Charge by {$12000.00} ) as evidenced in the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACTS, Amortization Schedule, Payment Ledgers ( Exhibits A-E ) using the same false and misleading language and practices to obtain money while retaining an inequitable security interest in the motor vehicle. 
3. The Merchant failed to include the insurance premium in the computation of the Finance Charge, requiring the Affiant to purchase insurance coverage out-of-pocket in order to take possession of the secured motor vehicle, further coercing more fraudulent and unauthorized collection and voiding the contract. ( Exhibits A & B ) 4. The Merchant maintained a fraudulently inequitable security interest in the motor vehicle and took possession of it although the sum total of the credit transaction ( equal to the Finance Charge of {$10000.00} ) had been over-paid by {$12000.00} ( Exhibit B, page 8, and EXHIBIT F shows private data being shared publicly for vulgar disparagement on my Consumer Report for a charge off after the sum total was over paid ). 
5. The Merchant regularly threatened to take non-judicial action to effect disablement of the motor vehicle without a present right to possession of the property claimed as collateral, the motor vehicle, as the motor vehicle was equipped with a disablement device ( starter interrupter ) that was programmed to disable the motor vehicle even after the Finance Charge was fully paid. 
6. The Merchant did not apply any credits for the Amount Financed, to my payment schedule. ( Exhibit B ) 7. Affiant became aware of these Federal violations on XX/XX/2021 during correspondence with the Merchant to request purchase records ( Exhibit G ) and corresponded for resolution on XX/XX/2021 ( Exhibit H ), before corresponding with the CFPB & FTC to report fraud.
Consumer complaint received 2022-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

We recently got notice for XXXX XXXX that our property taxes were not paid. We received a notice that our house was going to be put up for tax sale because of the unpaid taxes. 

We received a corrected tax bill and were also notified that the corrected bill was sent to our mortgage lender as well. They obviously did not pay attention to the bill. We had to call and had to waste our time sending them our documents showing that the bill was unpaid. 

I asked multiple time for notification that the payment had been issued. They did not contact me back. I see on our loan account that the disbursement was sent. However, I don't know if the payment will get there on time and I don't have any information on whether or not they paid the fees for the past due amount. 

We have until the XXXX for the payment to be sent there and I don't see the payment being posted to XXXX XXXX sight.
Consumer complaint received 2021-09-02
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

my public record shows that esperian verified my account with XXXX. but thats not true cause I got report from XXXX saying that the bankruptcy was deleted so there is no way they could have verified
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's
Consumer complaint received 2022-08-23
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. (AR)

I would like to state that Equifax, XXXX, and XXXX is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax, XXXX, or XXXX written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax, XXXX, and XXXX to furnish these inaccuracies on my consumer credit report XXXX cause me to lose confidence in the banking system. If Equifax, XXXX, and XXXX wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.
Consumer complaint received 2022-08-23
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. (AR)

I would like to state that XXXX, XXXX, and Transunion is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX, XXXX, or Transunion written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, XXXX, and Transunion to furnish these inaccuracies on my consumer credit report may cause me to lose confidence in the banking system. If XXXX, XXXX, and Transunion wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.
Consumer complaint received 2021-09-02
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (VA)

To Whom This May Concern : I have filed a dispute and complaint about this company several times and not action has been taken. I have filed an identity thief affidavit, military orders, and letter from my command stating when this loan was taken out in my name, I was XXXX. Absolute Resolution has not conduct a thorough investigation. They are stating it is accurate based off my name, DOB, and SSN when I have provided legacy documents several times. The original lender XXXX XXXX is reporting it as identity thief.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (NC)

The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2021-09-01
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.