davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (TX)

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail
Consumer complaint received 2022-03-09
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. (GA)

According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, Equifax, XXXX XXXX allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.
Consumer complaint received 2022-03-09
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. (GA)

According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, XXXX, Trans Union allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.
Consumer complaint received 2021-03-28
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. (CA)

On XX/XX/2017, Experian added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Experian has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-03
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

hello, to whom it may concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I acknowledge receipt of your response to my complaint. I would like to thank you for the opportunity to address my concerns again regarding Law Offices of Quinn M. Kofford, P.C. representing XXXX XXXX XXXX. ( Debt collector ) on XX/XX/2021 I made initial communication to demand for this debt collector to cease all communication with me and remove false information On my consumer report, Notwithstanding they have furnished information without my consent. In the initial communication I requested the 5 method of verification under 15 usc 1692g ( a ) on XXXX i received statements from this debt collector after i have requested for them to fulfill these allegations. This company has failed to verify this information or provide me exhibits Accordingly. In their initial communication this unfair debt collector sent me symbols other than the debt collectors address which is a violation of 15 usc 1692f9 ( 8 ) I kindly ask this 3rd party to provide me how this review of this matter was confirmed accordingly. XXXX your internal policies where talking about federal violation laws your client has violated me.I did not ever give consent to this debt collector to communicate with me in the first places which is a violation under 15 usc 1692C ( a ) this office should know this law under the FDCPA since yall are regulated by them. However, in an effort to resolve this matter outside of litigation, im requesting a settlement offer. If the offer is not accepted I would be starting litigation proceeding immediately concerning my issues.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX This account has been charged off and sent to an outside collection agency. I have asked numerous times for the said company to send me a Debt validation letter to show the amount of said owed account. This company has never done so. I do not owe the amount shown on this account is reporting frivolous. I'm asking for my credit bureaus to be updated, removing this from my credit report immediately. 

( copy of the letter sent to the creditor ) This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation, '' that is, competent evidence that I have some contractual obligation to pay you.
Consumer complaint received 2022-11-18
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. (DC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-07-16
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. (GA)

I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency XXXX unable to get little to no information from them.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency XXXX unable to get little to no information from them.
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OR)

Got served paperwork to appear on court for a debt they say I owe from midland credit management on the XX/XX/XXXX. The paperwork says it's from a XXXX XXXX credit card, and I paid it off already.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

This is a follow up to XXXX # XXXX. On XX/XX/2020 the company CLAIMED to have tried to contact me by phone AND email but had been unsuccessful. This was false. I received an email AFTER this response was received by the CFPB and it was an email only. I've since tried to return the call and left messages to the number provided XXXX XXXX XXXX XXXX XXXX times with no response. I also replied to the email but the company continues to ignore me and my messages. They still are in possession of a prepaid debit card containing my widow 's benefits for over {$470.00}. I have been told no less than five times the card is being mailed but it never comes. Please don't let them claim they have resolved this as they have not and my card is still outstanding. Thank you for your assistance.
Consumer complaint received 2022-12-03
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. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open end consumer credit as late for any purpose.
Consumer complaint received 2022-07-22
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. (GA)

I've sent TransUnion, XXXX, and XXXX multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX, XXXX, XXXX, XXXX, and XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: White Jacobs & Associates (TX)

I joined this company under the guise they would be able to fix my credit. XXXX XXXX enrolled me. I noticed shortly after joining their credit repair services, my credit began to drop drastically. I did not have a portal to check on my progress, I did not get updated from my representative, and I wasn't getting any creditor response letters regarding any disputes. 

My credit began to drop so much that I ended up paying my outstanding collection balances. Only then did my score show improvement. I called around regarding cancelling the program and not paying any additional fees on the payment plan. 

I could not get in touch with XXXX XXXX or anyone else. I finally reached a lady, XXXX, the Director of Client Services, who stated that XXXX XXXX quit and was no longer with the company. I was emailing a ghost. I got transferred to new representative who said it was past the 7 day rescission period and I would be responsible for the remainder payments regardless if I quit. I told him to cancel the program they were ruining my credit and opening fruitless disputes. 

Long story short. I have paid this company countless money for nothing but credit ruin. I had to address my credit myself by paying it off to begin seeing results. I don't owe them another dime as I have lost enough money and credit with them. I want any remainder payments waived as the services rendered to me were absolutely horrible and unproffesional.
Consumer complaint received 2021-02-02
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: Early Warning Services, LLC (TX)

Early Warning Services , LLC. has engaged in several violations of federal law. I have contacted them countless times in the past to resolve these issues amicably. However, they refuse to take all my demanded actions that are my rights as a federally protected consumer pursuant to the Fair Credit Reporting Act under Title 15 Chapter 41. I have begun my private administrative process against this company and have attached my first Affidavit of Truth I sent to them.
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

My loan was sold from XXXX XXXX to PennyMac. When the loan was sold, my escrow account information was inaccurate, leading to me owing over XXXX more per month. The issue took 3 and a half weeks to resolve, and was just resolved after 11 phone calls and a supervisor from XXXXXXXX XXXX calling them and emailing them for weeks. 

On multiple instances, the error in documentation was found ( multiple errors ) from emails that XXXX XXXX sent to Pennymac, and it turns out they had the wrong persons account information under my escrow account. They refused to acknowledge the mistake, no matter how many times we noted the mistake and told them to correct it. They also did not respond to any emails ( 8 automatic replies 3 weeks later ) and never sent me any documentation of any sort about the changes/ decisions that were made. Each time when I called, I received different information about how to respond, who to go to, and timeframe for response. I was also told they would not change the amount owed, even though it was different from my closing disclosure. Eventually, I just needed to be on the phone for two hours and demand they fix it immediately, which led me to a supervisor who was able to correct the error. 

Very, very disappointed in the company, they clearly do not know how to resolve issues, nor have an interest in resolving issues. My advice to anyone is ask for a supervisor immediately and demand that the issue be resolved while on the phone, otherwise follow-up will not occur.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

After moving to Oklahoma I received a tax notice from the State of Kentucky stating I received {$1100.00} in unemployment wages due to COVID-19. I was unable to find my Bank of America prepaid debit card after moving so on XX/XX/2021, I began attempting to contact Bank of America in attempt to access the funds on the card. I requested they transfer the funds to my Bank of America credit card card and the Customer Service Representative said she would issue a new card and closed the account of the debit card I could not find. After closing the account, she was unable to process a new card and stated if she had not already closed the other account, she could have transferred to balance to my credit card after all. She advised me the quickest way for me to secure the funds now was to arrange a XXXX XXXX transfer at no cost to me. So, she transferred to me another department for assistance where I remained on hold for an excessively long time and eventually hung up. After multiple calls and repeatedly being placed on hold, I was finally able to speak with someone who arranged a XXXX XXXX transfer and told me within three business days someone would call me with a confirmation number. 

Not hearing from anyone, I finally called Bank of America on XX/XX/2021 and again went through the eternal hold pattern. After hanging up and calling back, I finally got ahold of a woman that informed me the transfer was made six days ago and I only had one more week to pick up the funds. After 310 minutes ( see call details below ) on the phone dealing with Bank of America, I thought it was resolved. Unfortunately, when I picked up the wire transfer, it was for only {$1000.00} ; {$100.00} short. 

I have already spent five hours and 17 minutes trying to receive the funds they could have simply transferred to my credit card ( free of charges ) account only to be shorted on the balance due to me. Subsequently, I am requesting your assistance in receiving the remaining balance of {$100.00}, plus {$270.00} ( my hourly pay rate of XXXX  ) compensation for the more than five hours trying to resolve their XXXX XXXX and not processing the entire amount as stated. Punitive damages should be included in the settlement as it is Bank of America 's dereliction duty to ensure their customers receive customer service in a reasonable timeframe and failing to have properly trained representatives. It is pure and intentional customer neglect. 

Date/Time Contact Minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 Total time on phone with Bank of America ( not including time for this complaint ) : 310 minutes.