davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (CA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXXl. Also its preventing me from buying my home. The accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  is fraudulent including the address are incorrect
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (VA)

On XX/XX/22 credit report was given stating points decreased due to one unpaid bill with MRSBPO collections. Called this company and was informed of ( XXXX ) area code with Florida address had opened an XXXX mobile account back in XXXX XXXX and amount pending was {$2200.00}. I never lived in Florida nor do I own a mobile number starting with area code ( XXXX ). I did not give consent or open an XXXX mobile account.
Consumer complaint received 2022-04-23
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. (TX)

15 USC 1681 section 602 A I have a right to privacy 15 USC 1681 Section 604 A Section 2 Consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumers credit plan as late for any purpose 1637 ( b ) ( 10 ) of this titlea written notice ( other than notice on a payment stub or other payment medium supplied by thecreditorif thecreditorso stipulates with the disclosure required undersection 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables thecreditorto identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2022-09-07
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. (MN)

XXXX XXXX XXXX has filed a collection account with multiple collection agencies. Each time they have placed the alleged account with a collection agency, I have disputed it. In 3 separate cases, the disputes were removed because they can not document the claim. The most recent filing is with XXXX XXXX XXXX account # XXXX per my personal credit report. They claim the account was opened XX/XX/XXXX. This is not accurate and they have not provided any documentation of proof. The address for this agency is XXXX XXXX XXXX XXXX XXXX, Mn XXXX. Phone is XXXX. 

The alleged creditor XXXX XXXX XXXX has now submitted this for collection three other times to three other agencies. The three prior claims have all been removed. This is a deliberate effort by XXXX XXXX XXXX to ruin my credit by continuing to place the same account to multiple collection agencies. This is not a legal practice permitted under the Fair Debt and Collections Practices Act. This is intentional and prohibited. 

XXXX XXXX XXXX had breached their agreement to provide services to my home. They were advised of such. Currently XXXXXXXX XXXX  Trans Union are reporting this item for {$570.00}. of which I do not owe. They placed this account in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. The first two were removed from my report after dispute. 

I am seeking damages as this practice has dropped my credit score by XXXX points and has cost me in rates for other credit I have applied for. It is also causing me issues with my current job as a lending executive.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

in accordance with the fair credit reporting act. the list of accounts below has violented my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 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 my make any consumer report containing reporting agency may make any consumer report 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 2022-04-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (NV)

I have a payday loan from XXXX and a collection agency recently re-aged the debt to XXXX and put it on my credit report and never contacted me to dispute it. In Nevada the statute of limitations for collecting the debt has already passed and the reporting will expire this year as well. I am VERY concerned that they were able to re-age this debt to appear newer! Isn't this a blatant violation of Federal Law?? The collection agency is XXXX XXXX XXXX
Consumer complaint received 2022-06-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Please refer to CFPB case # XXXX filed on XX/XX/XXXX Answer received on XX/XX/XXXX be XXXX XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints, Bank of America .

The answer is missing on the HELOC loan ending in XXXX : Customer would like answers to these 8 specfic points. 

1. Regular payments were made from XX/XX/XXXX through XX/XX/XXXX. The last payment made was on XX/XX/XXXX. The uninterrupted total interest payment made on the note during these 4 years was {$95000.00}. Please confirm this amount. 

2. Notice of Intent to accelerate dated XX/XX/XXXX provided curing date of XX/XX/XXXX in the amount of {$27000.00}. Please confirm. 

3. The same letter dated XX/XX/XXXX paragraph 4 also stated If the default is not cured on or before XX/XX/XXXX, the mortgage payments will be accelerated with the full amount remaining accelerated and become due and payable in full, and foreclosure proceedings will be initiated at that time. Please concur that this is true. 

4. Since default was not cured and we were past the due date of XX/XX/XXXX, please confirm that this letter was also a valid demand and Intent to Accelerate of all sums due under the note. This is BOA obligation to answer. 

5. Prior to sending the letter of intent to accelerate until the loan was assigned to the servicer on XX/XX/XXXX Bank of America sent several threatening notices of default and foreclosure. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX ). Please state the real reason why intimidation tactics were used and no foreclosure was commenced. This is BOA obligation to answer. 

6. Please provide the interest rate, accrued interest and fees history on the note covering the nonpayment period of 2 years i.e. from XX/XX/XXXX through XX/XX/XXXX before the note was assigned to the servicer on XX/XX/XXXX. BOA has obligation to provide this interest rate, accrual interest and fees history. 

7. Please provide the copies of the certification of the original Countrywide HELOC note which contains original signatures of the certifying entity, the original seal and the notary signature. BOA has obligation to provide the requested copies before foreclosure can be commenced. 

8. Customer will proceed to the next level of CFPB and will get intervention of Federal Trade Commission if BOA fails to provide the requested information. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2022-09-09
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. (GA)

Reporting act XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/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. ALSO THESE inquires are in itself fraudulent and not done by more nor my consent
Consumer complaint received 2022-04-23
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. (GA)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX XXXX  & # XXXX 's. ON XX/XX/2021 I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2022-04-24
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. (GA)

These hard inquiries were not authorized by me and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Act XXXX  account numbers XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, 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 an account without my writing instructions.
Consumer complaint received 2022-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mid-South Adjustment Co., Inc. (AR)

I sent a letter of to this alleged debt : 1. An explanation of what this alleged account balance is for.

2. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct 3. Original Documentation that shows I agreed to pay this debt 4. The agreement that grants you authority to collect this alleged debt 5. A copy of your STATE LICENSE, including license number However according to 15 U.s.c. 1692 ( c ) ( a ) 15 U.S.C 1692 ( b ) ( 2 ) 15 U S.C 1692 ( b ) ( 5 ) 15 u.s.c. 1692. ( d ) ( 2 ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX I received a pre approved offer for installment loan at a lower rate to be used for paying off other debts at higher interest rate. I applied, submitted additional documentation as requested and hard inquiry was done by the company to check credit. I attempted to contact the company on multiple occasions based on email stating I should receive response within 24-48 hours. These attempts started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and subsequently today XX/XX/XXXX, to hen at my request for information I wan informed the loan was denied, no reason provided. 

I believe the impact to my credit score due to this inquiry has been harmful to my ability to regain a positive credit standing and the lack of follow through or due diligence by this company is in violation of the Fair Credit Act as they did not provide suitable, notable or timely response based on the information provided to me. 

I would like this inquiry removed based on the neglect by XXXX to follow stated terms and agreements for credit offers and notification. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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: ENOVA INTERNATIONAL, INC. (CA)

The following accounts show on my credit report, I do not owe money to these companies I'm asking for immediate deletion Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ). 
Delete the NC FINANCIAL account ( # XXXX, opened XX/XX/XXXX ). 
Delete the XXXX account ( # CAxxxxxx, opened XX/XX/XXXX ). 
Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ) v
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I settled my JCPenney MasterCard Account with XXXX XXXX XXXX The Balance at the time was {$5500.00} and we settled at {$2200.00} over 24 monthly payments. We sent a total of 19 monthly payments from XX/XX/XXXX all the way through XX/XX/XXXX ( total of {$1500.00} ) and then in XX/XX/XXXX we received notice that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of nowhere it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " recall '' the account.
Consumer complaint received 2022-04-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (NV)

I have a payday loan from XXXX and a collection agency recently re-aged the debt to XXXX and put it on my credit report and never contacted me to dispute it. In Nevada the statute of limitations for collecting the debt has already passed and the reporting will expire this year as well. I am VERY concerned that they were able to re-age this debt to appear newer! Isn't this a blatant violation of XXXX XXXX?? The collection agency is National Credit Adjusters.
Consumer complaint received 2022-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have three fraudulent accounts on my XXXX credit report. 1 ) The first one is XXXX XXXX for XXXX XXXXXXXX XXXX account XXXX the collection says paid in full but however its not mine I want it removed 2 ) the second one is XXXX XXXX  account number is XXXX for {$600.00} I never attended this school. FDCA gives to challenge fraudulent information I would like this removed from my XXXX credit report 3 ) the third on my XXXX report was XXXX XXXX XXXX account # XXXX for late payments I never finance through them. My car is through XXXX XXXX XXXX XXXX. 
4 ) XXXX XXXX XXXX account number XXXX closed account on my XXXX report this a fraudulent account I would like removed off my account. 
5 ) Capital one closed account that I never had is s fraudulent account. Account number XXXX I have late payments but this was never my credit card. I need late payments removed.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (MO)

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 U.S.C 1681. 

XXXX XXXX account # XXXX Open XX/XX/2017 has VIOLATED my rights XXXX XXXX account # XXXX has VIOLATED my rights XXXX account # XXXX has violated my rights XXXX XXXX has 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 of the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-23
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. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

The XXXX XXXX division keeps reporting false payment information and has my account status closed in collections for arrear payments. I have wrote letters to all 3 credit agencies of this incorrect information. 

I have no missed payments and I am recently divorced as of XX/XX/2022, the judge reduced the amount of the payments and eliminated all arrear payments. I have provided proof of these documents, ( payment history printout from social services which collects this data & my final divorce decree ). XXXX is the only agency that had removed this account with the proof i have provided, Experian XXXX XXXX keep stating the information they receive is correct from the debtor. Which keeps me disputing the same item over and over again. Why are asking me to submit documnets, which i provide, then doesn't take into account of it being valid. 

The bi-weekly amount out of my check is {$410.00} for payments and arrear balance of {$3800.00}. MO family support had never reported any of my payments until i disputed this with the credit agencies, which lowered my credit score significantly .By law they are to report all data each month, which they are not. 

I have disputed these remarks in XXXX, XXXX, XXXX given 30 days of each investigation
Consumer complaint received 2022-04-24
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. (OR)

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.

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 an account without my written instruction 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make a 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.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CIS 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