davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Falls Collection Service Inc. (IL)

I have disputed and asked for validation of XXXX accounts from XXXX. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and XXXX XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The amount of times I have reached out to your company and not hearing anything back from you or about the accounts I am trying to get removed off my report is innumerable- or perhaps more stressing than anything. I can not get as much loan approvals because of the inaccuracies in my report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal loans XXXX from XXXX XXXX with a total balance of {$350.00} opened on XX/XX/year> under the account number XXXX, and the other XXXX  with a total balance of {$530.00} under the account number XXXX on XXXX and XXXX Insurance loan from XXXX with a Total balance of {$760.00} under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2016-06-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

We have been trying to close on our home, but our mortgage company ( Carrigton Mortgage ) constantly fails to provide an accurate payout amount to the title company or to us. Moreover, the company charges a late fee to all customers closing on their mortgage, regardless if a late fee has occurred. They inform us that they do this because they assume we are going to be late on our payment. Is this practice legal? In addition, they are not being clear on the current status of our escrow balance.
Consumer complaint received 2016-04-14
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

In 2009 my mom passed away and I received demanding letters from this attorney in my name. This was not my debt but somehow was in my name. I felt that my mom had taken out the cc in my name since she lived with us. Next thing I knew, after disputing this, they were suing me. I was still dealing with my moms death and the lady was nice when I called and said if I just signed papers to not go to court, they would work with me to get me a signature card to see what signed for hte card, So I did that and paid XXXX a month all the while trying to get a signature card. Next thing I know they are garnishing my bank account and I do n't even have a job. Everything we have is what my husb makes. I called and the lady then told me she did n't care, they were doing nothing but taking everything I had. I went to court and Freaney basically told me he was n't working with me, he could do what he wanted. I have sent letters and applied with the group to have the balance written off since it was not my debt. I ca n't even have a bank account because they will try to garnish it. They lied to me and tricked me into signing the judgement and had no intentions of getting me a signature card to see who opened the account. I have no money to try to fight it and I do n't even have a job. They were extremely deceptive and hateful on the phone and basically said they did n't care how I fed my family, they were taking my money and that was it and they did n't have to work with me. It has been a couple of years since they tried to garnish my account and I never heard back from the hardship papers i filed with them. I just need this to be over so I can move on without being afraid of the sheriff pulling in my driveway with garnishment papers.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Please remove these fraudulent accounts from my credit report as soon as possible. I would also appreciate a written confirmation of the actions taken to resolve this matter. If you require any additional information, feel free to contact me using the contact details provided.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-05
Product: Credit reporting 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. (MS)

TransUnion is reporting inquiries on my credit report that were not made or requested by me. Ive spoken with a customer service representative at TransUnion who has stated that a dispute will take 30 days. Why should I have to wait 30 days to remove inquiries that were not made by me? TransUnion also asked me to contact the creditors to ask them to remove the inquiries. TransUnion, XXXX and XXXX have allowed at least a XXXX consumers social security numbers and data to be stolen. Then they dont want you to file complaints about false information they put on your report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report onXX/XX/2024 and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( e ) ( b ). According to XXXX XXXX XXXX 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX, they are supposed to 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.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681. The accounts listed below have egregiously violated my right to privacy and the accuracy of reporting :. Account Name : XXXX XXXX # XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX . Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  My Credit Report was updated in XX/XX/year> to which the Credit Bureau knowingly furnished inaccurate and incomplete information.

15 U.S.C. 1681 Sec. 602 ( A ) States I have the right to privacy.

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.

Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy in their reports. This has clearly not been done in my case, and the errors remain unaddressed.

Under 15 USC 1681i ( 5 ), it is the agencys responsibility to promptly delete or correct any information found to be inaccurate and incomplete during a dispute. Despite this legal requirement, the inaccuracies continue to persist on my report, causing unnecessary hardship.

Under 15 USC 1681s-2 explicitly states that furnishers must not report information they know, or have reasonable cause to believe, is inaccurate. These accounts have been reported in violation of this law.

Thank you for your prompt attention to this matter. 

XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

1. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate : XXXX XXXX XXXX - Account # : XXXX
Consumer complaint received 2016-05-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over property maintenance. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us and have concerns that the appearance of this property has detracted from the value of their property.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank, as a matter of practice, backdates their checks to the previous day resulting -- in many more NSF fees to low and middle class account holders that live paycheck to paycheck. Chase has done this about 4 times in the last year to our family. Each time they backed off and reversed the fees, but not after I had to call and then get elevated to a supervisor. The latest incident happened last night. My account balance as of XXXX on XXXX/XXXX/16 was {$28.00}. My wife had a payroll deposit today on XX/XX/XXXX in the amount of {$440.00}. All should be good then, but not with Chase. They took a check for {$120.00} and backdated to XX/XX/XXXX. They covered the check, but charged me another {$34.00} in " NSF FEES ''. This is flat out wrong and many more households are paying the price of bank greed and policies designed to hurt the lower/middle class. Why did n't Chase bounce the check as there was only {$28.00} in the account? I 'm disappointed that these big banks are still targeting the lower/middle class with fees. I 'm asking your agency to stop the practice of 'back-dating '' checks by 1 day as a bank policy. This practice does n't hurt their large depositors in any way, but for the majority of us it does. I would be surprised if " Fee Income '' has n't doubled or tripled in the last 10 years as banks make it a point of many internal discussions on ways to increase revenue and " Fee Income '' is always at the top of the list. Please look into this practice of " BACK-DATING CHECKS ''. I would like the {$34.00} fee credited back to my account. People are hurting and the last thing we need is a practice like this.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eagle Accounts Group, Inc. (IN)

I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/XXXX. SPS spent 3 months using purposeful miscommunication and 'misplacing ' documents as a way to delay decisioning on the file in an attempt to defraud their investor in order to collect their 'double-fee ' for servicing a defaulted loan. 

On XXXX we were told the value came back at XXXX and refused to give a counter amount. 

On XXXX we sent a counter offer and contractor bids for the value dispute. 

On XXXX SPS decided they will no longer accept contractor bids for the value dispute and they require a BPO or appraisal for value disputes. 

SPS then started their second round of delaying tactics - purposeful miscommunication and 'misplacing ' documents. Requesting XXXX version of a form, and then the next week requiring something different. They also started requesting documents that had been sent to them over 4 months prior. 

These delay tactics have been going on for FOUR MONTHS. 
Today, we found out that the file was closed out on XXXX/XXXX/XXXX. NO ONE INFORMED US WHEN WE TALKED TO THEM ON XXXX/XXXX/XXXX. 

This is nothing but gross incompetence and delay tactics on SPS 's part.
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC (MI)

I made arrangements to have any debts paid with Money Recovery Nationwide. They are continuing to put collections on my credit report without verifying my debt. Or sending a letter that my debt will be sent to collections. 
They will not do a pay to delete They will not notify that your debt is up for collections until it is posted on your credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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