davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Debt Collection agency is reporting to Consumer Reporting past the 7 year limit. A debt validation letter was sent, Collections agencies response was an itemized debt statement with no indication that the debt was valid or belongs to me. Please remove this debt collection from all 3 bureaus. per FCRA debts must be 100 percent accurate of reporting agency is subject to penalties up to {$1000.00} per violation and losses incurred by false information.
Consumer complaint received 2021-11-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

ON XX/XX/2021 TRANSUNION RECEIVED MY CERTIFIED DISPUTE LETTER BY US POSTAL SERVICE MAIL, BUT TRANSUNION HAS NOT RESPONDED TO MY DISPUTE AT ALL, THERE IS NO TRACE OF MY DISPUTE ON THE TANSUNION WEBSITE AND I HAVE NOT RECEIVED ANY INVESTIGATION REPORT FROM TRANSUNION< AND THE INACCURATE DISPUTED ACCOUNTS REMAIN ON MY TRANSUNION CREDIT REPORT! TRANSUNION CONTINUES TO NOT HONOR MY REQUEST OF AN INDEPENDENT INVESTIGATION OF THE DISPUTED ACCOUNTS I DON'T BELIEVE AN INDEPENDENT TRANSUNION INVESTIGATION WAS EVER DONE AND BECAUSE TRANSUNION HAS FAILED TO REMOVE THE INACCURATE ACCOUNTS THIS HAS CAUSED ME TO NOT BE HIRED BY A COMPANY THAT I REALLY NEEDED A JOB FROM, BECAUSE OF THIS HARM DONE TO ME AND FOR THESE VIOLATIONS BY TRANSUNION I REQUEST THE FOLLOWING INACCURATE ACCOUNTS TO BE REMOVED IMMEDIATELY : XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX
Consumer complaint received 2021-11-03
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: Experian Information Solutions Inc. (NV)

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that XXXX is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with Experian, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and Experian has my full consent to resolve this violation.
Consumer complaint received 2021-11-03
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. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

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 was sent to EQUIFAX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX. XXXX, 2020 ;
Consumer complaint received 2021-11-03
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: Experian Information Solutions Inc. (NV)

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that XXXX XXXX XXXX is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with Experian, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and Experian has my full consent to resolve this violation.
Consumer complaint received 2022-08-01
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. (IL)

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (NY)

I have been scammed, a supposed employer told me I would be receiving 2 transfers into my personal checking account. When I noticed Upgrade took out an automatic payment out of my checking account, I immediately called Upgrade and filed a case with them. 
There were 2 loans one for a total of {$38000.00}. 
XX/XX/22 - {$28000.00} XX/XX/22 - {$10000.00} I then realized once speaking with Upgrade that they were the same exact amounts I received from an online job that has contacted me for part time work from home earlier in that month. I was looking online for a part time job from home, evenings and weekends and was contacted by a person saying they worked for a Architectural engineering company based out of the XXXX with offices in XXXX, IL and XXXX, TX. After doing some research, I learned the company was legitimate. After running my credit, and sending my information they deposited the above 2 amounts into my account and directed me to send cashier checks, wire transfers. Later I was instructed to buy bitcoin. That was when I became suspicious, but it wasn't until a week later I saw the loan payment come out of my Checking account. 

As it turns out that I see, I was scammed and they used my information to open up these 2 loans in my name and send the money to other people. 
I can't pay these loans back, nor do I have the money from the loans. 

The only information I have on is the person 's name that contacted me was XXXX XXXX and also XXXX XXXX XXXX. 
XXXX - XXXX -- XXXX XXXX - XXXX
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on HARLEY DAVIDSON FINA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 and XX/XX/2021 I sent a letter to remove inaccurate accounts from my consumer report. I have attached the laws in which the credit bureau is violating. I would like the credit bureau to remove all unwanted false information from my report. Down below I have the laws that are in violation. I understand the credit bureau will put on my consumer report that they verified an account by default. Which is a HUGE VIOLATION without physical proof, also a personal investigation of character. This is illegal and I would like all my accounts on my report from my letter removed. I've given the required 45 days plus an extra 15 days for an investigation. They have not done their job. I want all deleted from my letter 15 U.S. Code 1601- Unfair and unethical reporting on consumers behalf is false information. 15 U.S. Code 1692- There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. 15 U.S. Code 1681- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX XXXX XXXX Dealership. XXXX of XXXX XXXX XXXX XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. Ford paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to Ford Credit and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC (PA)

I've never received any information from Arcadia Recovery Bureau at all. They are reporting on my credit, and it is their job to notify me first for any such intrusion. I have disputed the account multiple times, in multiple ways, demanding that they validate themselves and their willful intrusion into my credit file, they have not responded! They are continuing to violate the laws by reporting the account and they are harming me and my finances! They've caused me extensive damages and I hope they understand that destroying peoples lives is not a game!
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (MA)

In late XX/XX/2021 our phones and internet service with XXXX failed to work. We spent 2 weeks trying to get the problem fixed. It was not fixed so we cancelled our service. After dealing with XXXX for several weeks on various charges they notified us on XX/XX/2021 that there would be no more charges, then on XXXX XXXX I was charged {$270.00} which was my typical monthly charge. On about XX/XX/2021 I called Synchrony Bank and explained the problem. I was told to fax and fax only, the copies of documents. I did on XX/XX/2021. After not receiving any reply I called in mid XXXX and was told the documents indicated to be not in my favor. I contacted the Massachusetts AG about XX/XX/2021. On XX/XX/2021 I received a notice that the AG office opened my case # XXXX. Today I received a notice from AG office that Synchrony Bank was not responding and referred me to you..
Consumer complaint received 2022-05-30
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (AZ)

ATTN : EXPERIAN LEGAL DEPARTMENT RE : XXXX On XX/XX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XX/XX/2022 would be greatly appreciated! 

I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX myself, and they have failed to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. 
According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a XXXX  and XXXX XXXX  to this matter. Thank you for your time.
Consumer complaint received 2021-10-05
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: LEXISNEXIS (GA)

I recently obtained a copy of my consumer report and noticed a company Lexis Nexis has violated and infringed upon my consumer privacy rights, according to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Lexis Nexis did not have permissible purpose nor written instruction to obtain my consumer report per 15 USC 1681 ( b ), per 15 USC 1681 ( b ) ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a terrorism offence, per 18 USC 1028 ( A ) ( 2 ), my consumer identification was used unlawfully and without consent to obtain information from XXXX  which is a violation of my federally protected consumer rights, lastly I have reached out to the courthouse and they notified me that they do not share personal information with 3rd parties such as Lexis Nexis.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CT)

Please refer to Complaint ID XXXX ) filed on XX/XX/2021. 
Rocket Mortgage refunded to me the {$340.00} they erroneously paid on XX/XX/2021. 
Excellent! Thank you! 

BUT... 
Here we go again. 
I just received from Rocket Mortgage a " Lender Placed Flood Gap First Letter ''. 
Wouldn't you know it is an exact copy of a letter they first sent to me just five months earlier on XX/XX/2021. 

Last night I had just drafted another complaint to you about Rocket Mortgage who had ( in addition to the " force-placed flood gap '' scam ) purchased TWO homeowners insurance policies for me -- kind of forgetting that their extending a mortgage loan to me in the first place had required me to prove that I had already paid 12 months of homeowners insurance -- the cost of which was ALREADY factored into the escrow payment in my monthly payment. 

Just as I finished drafting the complaint, it turned out to have gotten resolved, though not before they had withdrawn {$380.00} from my bank account in excess of what I truly owed. They told me they are refunding that amount. 

For details, please see my submission under " Tell Your Story ''. ( It includes the complaint I had drafted ; I attach a copy here. But maybe you shouldn't send it to Rocket ; it would tip them off, if it really is a scam. ) I have also notified XXXX. XXXX XXXX that its rating of Rocket Mortgage as # 1 in mortgage servicing in the U.S. " eight years running '' is seriously stale if not suspect, given the experience I have had.