davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX BANK XXXX, XXXX CARD XXXX
Consumer complaint received 2022-09-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a car loan with SunTrust Bank. The payment was made each month automatically by XXXX XXXX. Suntrust Bank was purchased by BB & T Bank and the new bank, Truist, did not accept the electronic transfer of the funds for the car payment. XXXX has to mail a paper check to Truist XXXX month. In XXXX I was notified by Truist that the car payment had not been paid the previous month. I contacted XXXX and I was told that the car payment had been sent 4 weeks eariler, but the check was never cashed. I contacted Truist and I was told I needed to authorize an immediate debit from my checking account, to pay the past due payment, and I was told to have XXXX Bank issue a " stop payment '' on the missing check. I did exectly as they asked and the payment was debited from my XXXX account. Evidently, later the same day, Truist located the missing check and discovered a " stop payment '' order was issued on that check. Trusit then charged me a {$25.00} fee for the " stop payment '' even though that is exactly what they had told me to do. When I asked for the fee to be waived, I ws told that only a supervisor could do that. When I asked to speak to a supervisor, I was told that was not allowed. I then asked for someone from Truist to contact me. I have never been contacted, and the fee has not been waived.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax is still reporting inaccurate information on my credit report. XXXX and XXXX has already removed this account from my report. This account was in litigation due to deception and predatory lending practices. On XX/XX/XXXX XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/XXXX Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter that they already received. 

Under 15 U.S.C. 1681s-2 ( b ), which requires a creditor who has been notified by a [ CRA ] that a consumer has disputed information furnished by that creditor to investigate the dispute, `report the results of the investigation to the consumer reporting agency, ' and, if any information was inaccurate, report the results of the investigation to the other CRAs. Johnson v. MBNA Am. Bank, NA, 357 F.3d 426, 429-30 ( 4th Cir. XXXX ) ( quoting 15 U.S.C. 1681s-2 ( b ) ). 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report which 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 written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.
Consumer complaint received 2022-08-13
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. (TX)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

There is an account that belongs to my XXXX  sister on my report I continue to tell them this and they verify they do not have my information in their sustem My sister called them and they are reporting it correctly to her credit report but also to mine This account has my sisters ss # and her name but they wont remove it from my report Im XXXX XXXX XXXX My sister is XXXX XXXX We are XXXX and my mom gave us both the same first name and she has a middle name but I do not
Consumer complaint received 2024-12-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (CA)

I had a collection account with this company. ( Eastern account system inc. ) I called them and said I would pay this off but I need it deleted off my credit report. They said it would be deleted. I then paid debt in full and only received a paid in full letter. This account is still reporting to my credit as a collection on it. I am trying to buy a house so Ive called multiple times and have requested that it be removed. Now they tell me they dont delete it off the report and have hung up on me multiple times. When asked to speak to a supervisor or a manager they say that my info has been sent to one and they will call me when they have time. To this day I have not received a call back. I did my part and paid this debt off and it should not be on my credit report anymore.
Consumer complaint received 2022-09-19
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: Resurgent Capital Services L.P. (ID)

My credit report has a charge off for a XXXX account that I've never had. I've disputed it many times now. And have never received any documentation that shows or proves I owe the fraudulent dept. 

This particular credit agency is known ( googled ) for aggressive and imitating tactics. And I do not want to talk with them and start the collection clock over again
Consumer complaint received 2022-05-25
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$7500.00}
Consumer complaint received 2022-08-13
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. (GA)

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all XXXX credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished one account on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2022-09-19
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. (SC)

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished one account on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2024-12-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Failed to show a tual correct delivery.

1- picture shown wrong apartment door where pa kage was left 2-failed to obfain signature and it was required.

Best Buy documents failed to show signature obtained, instead stated package was dropped off Please see attahed documents
Consumer complaint received 2022-08-13
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)

On XXXX XXXX, 2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code $ 1681a - Definitions ; rules of construction & 15 U.S. Code $ 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code $ 1681b ( 2 ) - Permissible purposes of consumer reports
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY CREDIT SYSTEMS INC (FL)

Fraudulent collection attempts and unjustified credit reports since XX/XX/XXXX. 
I have spoken to this people over the phone years ago, like 5-6 years ago and instead of providing me with a debt validation, they proceeded to sell this to a collection agency. On XX/XX/XXXX I sent a Debt Verification Letter request and they have failed to update the account as being disputed and failed to reply to my verification letter. The collection agency in question is SECURITY CREDIT SYSTEM. This is a XXXX XXXX and is fraudulent. 

SECURITY CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Collection amount : {$5000.00}
Consumer complaint received 2022-09-19
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. (NC)

Ive noticed unusual activity revolving around my credit file and as a living human being, I have rights under the. 
15 USC 1681, Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) This inquiry was placed yesterday when I have a credit lock on my credit and I didnt authorize this. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) XX/XX/20XXXX XXXX XXXX XXXX ( Inquiry ) XX/XX/2022 XXXX XXXX XXXX ( Inquiry ) XX/XX/2022 XXXX - XXXX XXXX- ( Inquiry ) XX/XX/2022 XXXX XXXX XXXX ( Inquiry ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a fraud claim with CapitalOne on XX/XX/2022, for one of my CapitalOne Venture One credit cards. The card was being used without my permission. It was a big number, somewhere around {$15000.00} I have two credit cards with the same credit card number but different expiration dates and CVC code on the back of the cards. I lost one ( card 1 ) of the cards but still have another one ( card 2 ) with me. I reported card 1 lost and stolen and told them the charges were not made by me. CapitalOne investigated the card and told me the claim was denied because card 1 's chip was used and if I have the card then the transactions were not fraudulent but the chip was being used on card 1 I lost, not card 2 which is in my possession. I know that for a fact the chip was used on card 1 and not card 2. They won't give me any other information or even give me a chance to appeal the decision. If they want to deny my claim based on the chip theory then I would like to see some evidence to show me Card 2 was used. They can easily look at the expiration dates and CVC code to figure out if it's card 1 or 2 that was being used. I really need help with this one. I called in again the second time and the representative was actually being really helpful and realized I was right so he gave me back all of the money on the account. A few days later, those credits were reversed again.
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (FL)

I am reaching out to the CFBP because I believe I have been unfairly taken advantage of on what I believed was a fair deal on a pay to own item promoted which included a " 90-Day Satisfaction Guarantee Buy Option '' from XXXX. On XX/XX/2022 I reached out to XXXX customer support and spoke with a XXXX to pay off my balance ( {$630.00} ) since my first payment was completed on XX/XX/2022 for {$110.00}. I was told the finance department was in a meeting a they would call back, however I never received a call. I reached back again to XXXX on XX/XX/2022 and spoke with XXXX ( www.montereyfinancial.com ) who advised mypayoff was XXXX XXXX and this was due to my 30 grace period ending. I advised of my contract " see attached '' I had a 90 Satisfaction to pay off a different amount of XXXX and I already made a payment off XXXX. I have forwarded my contract to their support XXXX XXXX XXXX however never received a call back. I have since made my payment to the amount I believed owed {$610.00} in good faith. Although I worry this is an unfair tactic to misdirect customers. I am hopeful this gets resolved quickly.
Consumer complaint received 2024-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (AL)

I went to school put XXXX dollar down on XXXX school financing made payments weekly of XXXX XXXX and was almost done couldnt paying and lost my job now the debt collection come bought the XXXX and changed the amount and reported to credit bureau as you can see I never owed XXXX dollars I only about XXXX at the most .this has been a debt keeping me from getting thing done in life I dont owe I need it fixed
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

This will now be my 2nd complaint, as I had sent a complaint on XX/XX/22 and was then given a date when funds would be applied to my account. I have called mortgage company again on XX/XX/22 with no explanation on when the funds would be applied and was told at that time that a late fee would not be applied as it was noted on my account HAF payment was pending and they have my award letter that was emailed to them by me. Last month payment in the amount of XXXX was applied on XX/XX/22. This month nothing has been posted as of yet and a late fee was applied on XX/XX/22. HAF says check was mailed out and Im waiting on XXXX to post. Payment was also mailed out to my electric company and that was posted on XX/XX/22 with no issue. Not sure why no one can tell me when this will be applied. I am very concerned at this point because it seems I will have to file a complaint every month for payment to be applied timely to my account.
Consumer complaint received 2022-09-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (SC)

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished two accounts on my report. 

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ). 

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation