davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am making this complaint against XXXX, XXXX, and Equifax. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (VA)

I placed a complaint here last month ( XXXX-XXXX  } in which I described the situation with Suntrust Bank. I detected fraud on my check account in the fall of XXXX. I reported this to Suntrust who then followed their procedure of closing the account and immediately opening a new account. My funds were transferred by Suntrust to the new account ( ending in XXXX ) with the promise that any outstanding checks would be rerouted to this new account. I use the Suntrust Bill Payer service which requires me to place the check amount and the date of delivery in the blanks and then hit send. In XX/XX/XXXX and again in XX/XX/XXXX both payments were returned because they were applied to the old account which had no funds. The funds were transferred to the account ending in XXXX. I did not direct my checks to be paid from a closed account. The error was made by a Suntrust employee. Each of these checks drew a late fee for {$10.00} and a bounced check fee for {$30.00} for a total of {$80.00} from the biller, XXXX XXXX. They are the business office that collects home owner association dues. I should also inform you that while I was hospitalized in XXXX of XXXX my wife paid bills that she found on my desk, including the penalties placed by XXXX. After recuperating, I attempted to get a refund from XXXX  but they refused even though I could show the error was made by Suntrust. Suntrust does have a policy to reimburse for a loss like this. They are supposed to stand by their agreement with the Bill Payer customer. Suntrust contacted XXXX asking them to return the fines to me, but they refused. Suntrust reimbursed me for one of the checks, the one for XXXX. I attached the " final response '' from XXXX XXXX who is an assistant vice president of Suntrust. In the third paragraph she says the XXXX check was returned " unauthorized '' because the account was in a " no debt '' status and that there were no funds to cover the item. She also said that the account was closed in XXXX of XXXX which is inaccurate because I closed the account in the fall of XXXX. With the number of payments I send out I would have bounced a lot of checks that month if I tried to use the account that was empty. I was not aware of the procedure that Suntrust uses to pay our bills. Apparently smaller concerns like XXXX  are sent checks instead of electronic deposits. I never touch the checks that XXXX  receives. The errors were made by Suntrust.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2020-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (AZ)

On XX/XX/2020 at XXXX we were contacted by DIRECT RECOVERY SERVICES ( XXXX ) looking for XXXX XXXX. Upon connecting to an operator I explained he is calling a company and the operator immediately hung up on me. I have placed several calls to this company trying to get our number removed off this persons file and every time the operator hangs up the call and refuses to remove our number. These constant calls are becoming a nuisance and need to stop.
Consumer complaint received 2022-06-17
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. (FL)

XXXX XXXX XXXX XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default for XXXX XXXX XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX XXXX / XXXX. # : XXXX/ XXXX. {$1300.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-08-04
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: Experian Information Solutions Inc. (GA)

There are three Chapter XXXX Bankruptcies that Experian is Reporting that I did not file. For the years of XXXX, and two in the year of XXXX, I have contacted the Bankruptcy Court,  they advise me that they are not reporting these Bankruptcies because they do not see those years filed under my name, SS #. The Bankruptcy Court also advise they do not release any information to the credit bureaus or report to the credit bureaus. 
So I am not understanding if the Bankruptcy Court does not release any information to the bureaus why Experian is the only Bureau Reporting these Bankruptcies. 
Although it is Experian policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. Especially when I never filed these Bankruptcies. Therefore, Experian has no right to maintain information which the government has deemed nonexistent. 
FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate Experian response within 14 calendar days from receipt of this letter.
Consumer complaint received 2019-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

We have appealed our real estate tax assessment with the taxing authority in XXXX, GA. That appeal is in process. The appeal places the property in a tax abeyance posture. Nonetheless, LOAN CARE -- the mortgage servicer has made tax payments, over our objections, to the taxing authority creating an escrow shortage. We have sent timely notice to the mortgage servicer advising them of the tax status, and urging them to -- not -- make any payments to the tax authority because we owe no real estate taxes. We have also supported the " no-tax due '' status by supplying letters from the tax authority and the local Superior Court informing that no taxes are currently due, and that the appeal remains active. Despite these numerous communications, the mortgage servicer refuses to apply our correct amount payments to the account, and the mortgage servicer continues to impose erroneous and punitive charges to the account. WE HAVE THE FUNDS TO MAKE THE PAYMENTS as we have continually during this dispute. The mortgage servicer has employed a debt collection law firm to foreclose on our home. We have made contact with the debt collection law firm under the FDCPA, but the debt collection law firm has refused to act, and it continues to move forward with foreclosure actions. The entire organization is conducting itself illegally, to our harm and detriment.
Consumer complaint received 2022-06-17
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. (GA)

I have previously raised concerns regarding XXXX and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX Bank which was paid off in XX/XX/2022 and has since been reported to TransUnion XXXX XXXX. However, XXXX has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my XXXX Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with XXXX, XXXX, & Transunion as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with XXXX it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my XXXX Report dated XX/XX/2022 which reflects where XXXX and Transunion was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

For months, TJMaxx has yet update balance and utilization info for months on both credit reports for myself and my wife XXXX XXXX XXXX, ( birthdate XX/XX/year> social XXXX ) who is listed as my authorized user.
Consumer complaint received 2022-06-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (OK)

We are one payment behind on our mortgage for {$800.00} with 21st Mortgage. XXXX XXXX, Financial Counselor sent an email saying we could apply for XXXX, which we have done and our application is currently under review as of today XX/XX/XXXX. We have called XXXX, from XXXX and left a voicemail this morning. I called to make a payment for {$800.00} which they eventually took. They have been refusing to take my payments because I am one month behind. But I'm waiting to hear back from XXXX. They continually are harassing via email, and on the phone. They transfer calls to another person who continues to harass. Today when I called to make the payment the lady on the phone wouldn't take my payment until I told her why we are still a month behind. I told her I'm waiting on XXXX and she put that in the system. I asked her if she wanted my routing/checking number. She said she needed approval then transferred me to her supervisor who also wouldn't take my payment. She transferred me back to the other rep and then told her she could take my payment. Then she told me they can't keep working with us like this due to being a payment behind. 
I'm tired of being harassed by this company and it isn't just me. I've read reports on XXXX against this company. I sent an email stating I would pay on the XX/XX/XXXX which is the due date. XXXX XXXX from XXXX said back in an email she can't take that kind of payment arrangement. Which I paid today XX/XX/XXXX after they harassed and refused to take on the phone bouncing back and forth between rep a Supervisor. Please investigate. My understanding of the law during Covid is if you try to make a payment and they refuse they still have to count it as payment in full. I have all emails between me and this company.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I'm unable to temporarily lift the credit freeze on my Equifax account. The website claims that we should be able to do it on the website but every time I login, I see this message : " EQUIFAX CREDIT REPORT STATUS We are temporarily unable to retrieve the status of your security freeze. 
Please try again later. '' I've had this freeze over a year and every time I go to their website, this is what I see. 
Their second option was via phone and I've been able to temporary lift the freeze this way in the past but today I'm not able to do it because of a problem with their XXXX not being able to understand the response to the security questions. I've tried multiple times and was not successful. 

When you try to lift a security freeze on the phone with Equifax, it will prompt you for your SSN and address which the XXXX was able to recognize my response when I punch the numbers on the phone. When they start asking personal questions about your credit and allow you to answer them with XXXX to XXXX. The XXXX keeps saying " The didn't get a response from me '' regardless of me entering the number and # for the answer or saying the answer. 

Then there is no way for me to reach an agent to unfreeze because when you call equifax, it just keeps routing you to the automated system. 

These are the XXXX numbers, I've called Equifax to do this : XXXX and I also tried calling this number : XXXX
Consumer complaint received 2023-02-07
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: MAS FINANCIAL SERVICES, INC. (CA)

To whom it may concern, I made an uninformed decision on XX/XX/2015 when I entered into the consumer credit transaction with MAS Financial Service. 

I have been reviewing laws and my rights and I have read that according to 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is null and void.

According to 15 USC 1602 ( k ), I did not receive a printed notice which clearly and conspicuously made it available to understand the meaning of the agreement.

Due to all these clear violations, I am demanding that these accounts are removed, and I am requesting monetary relief for each violation. If no resolution will come from this and I receive an automated response from either company, I will have no choice but to contact my local small claims court. 

Account in question : M A S FINANCIAL SERVIC - XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

This complaint is with Experian who hasnt reported my rent trade line through my membership with XXXX On XX/XX/XXXX I received an email that said XXXX XXXX XXXX and would now also report rent to Experian so it would now appear on all 3 main CBs. My rent trade line has appeared on XXXX and XXXX for almost a year. 

After 2 1/2 months and many messages/updates about glitches, issues uploading batches, working to resolve the problem, then this Monday it is finally resolved and will be uploaded Tuesday or Wednesday. Then finding out from XXXX  it doesnt show it uploaded/or is pending on XXXX  back office so an email was sent directly to Experian about my account specifically on Thursday morning, I still havent found out if Experian plans to resolve this problem, as far as I know, they havent responded to XXXX  and I havent received word. 

The resolution Im seeking is : I want the rental trade line to show on my Experian report. Please update my report right away. 

Also, I can forward the entire email conversation containing all the emails about this. 

If you could help me resolve this issue, it would be greatly appreciated. 

Thank you XXXX
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (AL)

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. XXXXt Accounts- XXXX XXXX ( Acc. # XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ), XXXX XXXX XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. 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 Session 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 any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.