davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have 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 2019-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (PA)

i bought a used truck and financed through keybank on XX/XX/XXXX. i refinanced through my credit union and the loan with keybank was paid off on XX/XX/XXXX. there was to be a scheduled payment on XX/XX/XXXX with keybank and i checked on XX/XX/XXXX and the loan amount was XX/XX/XXXX. it also said no payments scheduled. on XX/XX/XXXX they took {$1000.00} out of my checking account. the first time i called they said it was my credit unions fault and the money should go back in because there is nowhere for it to go. my credit union said the problem is with keybank. i called keybank again and they said they will look into it and call me next week
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I had a car loan with Santander Consumer USA , Inc. with a maturity date in XX/XX/2021. I made the last payment in XX/XX/2021 and checked the account several times later which was at XXXX balance. Someone from Santander Customer Service calls in XX/XX/2021 and tells me that I have a fee of {$140.00} to pay before I can receive the title of the vehicle which I pay while on the phone. While I was looking to refinancing my primary home mortgage and found out that Santander has reported me 30 days late to the credit bureaus for {$140.00}. Even that I was unaware of the {$140.00}, I paid them the same day they inform me about it. All I need from them is to correct the mistake and clear my name so I can procced with the refinance of my mortgage. 


Thanks XXXX XXXX XXXX
Consumer complaint received 2020-07-08
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. (ME)

XXXX XXXX XXXX ( " XXXX XXXX ) is attempting to collect a debt that I do not owe. XXXX placed a negative inquiry on my Experian credit report alleging I owe funds to XXXX XXXX XXXX. XXXX  XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means. 

I contacted Experian in XXXX and disputed the debt however it remains on my credit report.
Consumer complaint received 2021-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

In XX/XX/2020 a company named Phoenix Financial services LLC sent me a letter stating I owe them XXXX I have no knowledge of this account, Ive never received services from this company. I dont owe any money to them.
Consumer complaint received 2021-08-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana. XX/XX/XXXX. Attorney ( s ) appearing for the Case XXXX XXXX XXXX, Consumer Protection Law Offices, XXXX, IN, Attorney for Appellant. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights. 

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 
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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well! 
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 which was violated. 

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously. 
Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously. 
EQUIFAX have violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. EQUIFAX, stated my account was properly investigated but how is that possible if the account type, comments, and payment history show inaccurate showing current from XX/XX/XXXX thru XX/XX/XXXX yet the account payment status show Collection/ChargeOff????!!! ( see credit report pulled XX/XX/XXXX vs prior report of XX/XX/XXXX screenshots ). This is still showing the same incorrect and inaccurate information!!!! 

Additionally, the law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) which EQUIFAX has failed to comply which I am enforcing my rights under the FCRA. 

This is grounds for REMOVAL!
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

On XX/XX/2021 I check my credit and I notice that a new collection account was added to my credit collection history. An account was open with XXXX Since XX/XX/2021 and has not been paid and refer to collections. I disputed this information per the address were services are been giving is not my address. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX and the address where services were request is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. A letter was mail to the tenant of this apartment letting her or he know that I know he using my information to obtain cable. XXXX delete this information from my credit report but I am still worry about my personal information specially my social security number.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

In the month of XX/XX/2018 after reviewing my credit report a collection on my report, I wrote to the original company XXXX XXXX to provide me with an accurate audit permitted by law and they informed me that the collect has been sold to a collection company LVNV Funding, I wrote to them to provide me with an correct accounting of amount due to them. My request was very clear of what I wanted. Specifically a break down of the all charges and fees, to make sure all consumer law where implemented and not simply verifying that I owe them a debt but a clear understanding of money owed. All I received was a form statement that it was correct but not providing me with a breakdown of fees and charges. The original credit line was {$700.00} and they state that I owe them {$1000.00}. How and where these fees come from my request came with no answer. I follow the fair credit act with the credit agency requesting verification as provided by law and my response was the same.
Consumer complaint received 2021-12-07
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. (OH)

I submitted a dispute against the account on my Equifax report for Ohio Department of Human Services '', which is my child support payments. I have disputed this multiple times with XXXX being my latest dispute with Equifax. This one I submitted in writing through mail with confirmation receipt which is attached. 

My problem with the account as evidenced in 2 of the attachments showing the account on my credit report is that it is showing late and missing payments and also being in collections. 

I have attached a letter from my case manager and my full payment history with the Ohio Department of Human Services, showing I have never missed a payment since my divorce was finalized. The arrerages shown is due to me being in court for 1 year and not having an order finalized. I have been making extra payments and have the arrerages paid off. Never once missing a payment as it shows in my credit report. 

I have disputed this multiple times with Equifax with proof of my payments and every time I get the same response received the last time I disputed this with the CFPB. They ignore my evidence and say the account was verified. I have also attached the letter I sent Equifax the last time I disputed requesting this account corrected. 

I want this account shown with no missed payments and no collections activity on this account as there is not and never was missed payments or collections on this account. 

Equifax is required to report the accounts correctly and if not I will be forced to take legal action against Equifax to have the account updated correctly and for damages. 

Thank you in advance.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent Capital One several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-05-20
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. (AL)

I do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I went into the XXXX branch to make a deposit. The check I was depositing is a state government issued tax refund check. I specifically asked the teller was there any chance a hold May be able placed on the check, because I intended to use the funds to pay off a federal tax bill I had. She took a few moment to review my account and then confirmed that the check would not be placed on hold and I could expect for the funds to be available the next day. The receipt I was provided shows that the funds would cover checks for the XX/XX/XXXX. I proceeded to go online to schedule a payment for my federal taxes to be withdrawn. Six hours later I received an email stating they suspected the check would not be honored and the deposit was being placed on hold XXXX. I immediately contacted Bank of America and explained that I was told that the funds would be available the next day. I was told there was nothing they could do for me. I went back into the branch where the payment was made and requested to file a formal complaint about my experience, as I felt the information I was giving was deceptive. I was told that I would need to contact the regional manger to file a compliant. I had to call back into the XXXX number for a complaint to be filed. I am now left to figure out how to cover the payment I made so that it is not returned and will not have access to my funds for almost two weeks. When I asked if a call could be made to the issuing bank to verify the check was legitimate, I was told that was outside of their policy and I would just need to wait until they released the hold.
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC (TX)

On my XXXX  credit report, XXXX Texas XXXX XXXX XXXX Texas, which I have no knowledge of, reported an amount with the Credit Reporting Agency XXXX that I owe XXXXthe name listed as the original creditor as XXXX  Texas XXXX XXXX and Elevate Recoveries as the debt collector. I have no contract, agreement, spoken, nor spoken verbal agreement with this entity listed as Elevate Recoveries LLC. I spoke with XXXX from XXXX Fraudulent department advising I have no account or business with this entity. He, XXXX, submitted the dispute as I advised this is fraudulent and that this business is closed. I researched the business and it is not in operation. Elevate Recoveries LLC has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX website, each case they lost.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (GA)

I recently viewed my credit report and noticed a XXXX XXXXXXXX XXXX self account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt do not belong to me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
Consumer complaint received 2022-07-28
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. (PA)

I have actively said, showed proof of fraud and identity theft by XXXX XXXX of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and Experian. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years. 

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in 40yrs this has ever happened to me. I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me. as I have heard anything back. Its almost XX/XX/XXXX. Thats about 3 Months my credit score dropped over XXXX points because of this. 

Original CFPB Complaint # XXXX Please help me
Consumer complaint received 2023-03-18
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. (OH)

In accordance with the fair credit reporting act 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 a account without my written instructions 15 U.S.C 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-07-29
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. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. XXXX XX/XX/2021