davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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: Experian Information Solutions 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

I had a care credit credit card opened fraudulently in my name without my permission or consent or knowledge with a credit limit of {$1200.00} each month I have been given a bill for this account and continued to pay it to avoid my credit being ruined over some credit card I didnt even open myself I have no knowledge of who opened this account and I do not wish to continue to have to pay for a card that isnt mine
Consumer complaint received 2023-06-22
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. (TX)

XXXX HAS ALLOWED INFORMATION TO BE REPORTED TO MY CREDIT FILE. I HAVE ATTACHED A COPY OF MY REPORT THAT PROVIDES ME WITH NO CONTACT INFORMATION OF THE CREDITOR, WHO REPORTED IT AND THEIR INFORMATION. 

VIOLATION OF THE FDCPA REGULATION F LAW
Consumer complaint received 2023-06-23
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. (FL)

Dear Equifax, On XXXX XXXX I mailed ( tracking # XXXX ) a dispute for the following inaccurate accounts listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C1681I ) and Metro 2 compliance standards, I challenged all inaccuracies or deficiencies of reporting. Equifax failed to remove the above inaccurate/deficient accounts. 

On XXXX XXXX I mailed ( tracking # XXXX ) a letter requesting Equifax 's method of verification to include the following : 1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2 What certified documents were reviewed to conclude your investigation?

3 Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4 What did it cost your company to obtain the documents needed to complete your investigation?

5 Please provide proof of your timely procurement of certified documents.

6 Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9 Provide the date of the commencement of delinquency.

10 Provide the SPECIFIC date reporting that these items will cease.

Equifax did not provide to me the information required by law within the allotted time frame to provide this information. I have documented all of my efforts and will seek any legal remedy available to me. 

This information must be deleted immediately to avoid civil liability.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX of XXXX, I offered Bank of America, the owner of the house, $ XXXX for a home and the bank accepted the offer. At the time, the house was a short sale and scheduled for foreclosure and had a foreclosure sale date for XXXX XXXX. So, from the time Bank of America accepted my offer in XXXX I was told I needed to wait for the bank to provide a release letter to close on the home. The house had no appliances and had holes in the walls which I was told needed to be remedied before I could close. I wanted the house, so I bought and installed all the appliances and fixed the holes in the walls. Still anxiously waiting for months to get the release letter, in XXXX, the bank said that they wanted to re-appraise the home. So, in XXXX, after I had done all the repairs and installed all the required appliances the house appraised for $ XXXX more, $ XXXX. So, Bank of America told me they would not give me the release letter to close for the agreed to price that we had under contract of $ XXXX, they said I could n't have the house unless I paid $ XXXX and if I did not agree they would sell the house at the XXXX foreclosure auction. Of course the house appraised for more, I had made the fixes it needed and installed appliances, all from my own funds. It was unethical for them to not honor the offer they agreed to when it went under contract and to threaten not to sell it to me if I did not agree to their new price after waiting months for the release letter after the original agreed to contract. This was wrong. Since the bank was threatening to go through with the foreclosure sale if I did not pay the price increase. I felt I had no choice, although I felt this was very wrong. Under much duress, I signed the bank 's counter offer on XXXX XXXX, XXXX to acquire it before the scheduled foreclosure sale.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NJ)

I am filing a complaint against Synchrony Bank in which my savings account had been restricted as I could not do any type of transactions since 2 or 3 weeks already. My savings account number is XXXX. I have attempted many times by calling and also sent online messages asking why my account was restricted and asked to transfer all funds to my external account with XXXX XXXX via ETF. No customer rep would tell me the reason why I was not allowed to withdraw money because of this unfair restriction practice of Synchrony bank. Today, I was told by the rep 's supervisor to close the account and to create a new one to get my money faster. I agreed with no choice and with my back against the wall agreed with reservations. Unfortunately, the same result ... after they closed the account the transfer of funds to the new account # XXXX wont proceed because of the restriction in the old account. So, in the end, I was not getting my hard earned savings. Even if I am receiving an email response, I was always told to call their customer service and the same results. No one would tell me why there was account restriction and the status of my request to withdraw all my savings. I need the money to be out of this bank ASAP. Thanks for your intercession.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX I OWE THEM {$160.00}. XXXX XXXX XXXX I HAVE 8 LATE PAYMENTS.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (OH)

I had an account with XXXX that has been sold to a company, this account has been re-aged I have the original last bill and the dates are not the same I have asked multiple times for the creditor and the credit agencies to remove this and they have ignored my multiple attempts to have this corrected and removed from my credit
Consumer complaint received 2015-08-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Primary mortgage with Wells Fargo on Primary Residence has a FORECLOSURE SALE DATE of XX/XX/2015. 

Financial status has just changed, as Social Security has been APPROVED!!! 

Need new MODIFICATION of Wells Fargo Mortgage. Need a Single Point of Contact with Wells Fargo, to review and update the status of Mortgage.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (CA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NY)

i am XXXX XXXX my loan with XXXX XXXX  Loan number are XXXX before my loan was with bank XXXX everything was very smooth and comfort all payment on time sudden they shift my loan to SLS from very first they they start upset me too much took out try multiple payment i paid my bank charge all lot of things to fix but they are shameless and worse customer service in world totally unprofeesionals they not listing XXXX is customer problem start argue all time not traing what is customer service i call them tomake low my payment please remove my P.M.I how much i pay without my knowlege without ask me anything sending report to Credit beure my loan modication & sudden excuse my escrow amount shortage ask more money increase montly payment and very smartley XXXX my credit to poor credit Report about my loan modification when i call even today need tell everyone whole story they mook on me finally i tried everything i think i need legal help they want keep own legal team busy all time .. No any good comunication with customer I Hate name of XXXX XXXX FRAUD too much make me disturb unfailly keep me disturb from very first day evey thing was smooth on time with Rushmore MY BAD LUCK NEED TO FACE STUPID PEOPLE
Consumer complaint received 2015-08-21
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Northwestern Mediation Services (TX)

The collection company keeps calling my work talking to my school secretary. They called me, my daughter and my sister. The message they tell them all is that they are preparing a deposition aginst me for legal action for attorney record and civil complaint in accordance with Texas law. They say they are from North Western Mediation.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT is currently reporting on all three major consumer reporting bureaus that I owe their company {$2200.00}. Reporting started on XX/XX/ and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2023-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am having trouble communicating effectively with TransUnion in an effort to have my credit reports correctly reporting. This is time sensitive. I am in a first time home buyer program administered by a non profit for XXXX XXXX where I live and they are very very picky. As with many government matters, they insist on real time accuracy. My deadline is Friday, XX/XX/2023, at XXXX XXXX pacific. TransUnion has " disputes '' open but a prolonged " investigation '' isn't warranted under these circumstances. All these accounts have a balance of zero. I was able to get a letter almost immediately from these credit furnishers. TransUnion works with them electronically - so why aren't my reports updated with greater efficiency? I have been attempting to fax information ( attached ) to TransUnion but their known fax numbers do not seem to be working any longer. I need a working fax number.
Consumer complaint received 2023-06-23
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)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 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 an account without my permission or consent of acknowledgment. 

XXXX XXXX XXXX XXXX XXXX XXXX/account status OPEN/ XXXX $ XXXX XXXX XXXX  / Account Status OPEN/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Service/ Account Status OPEN/ XXXX XXXX XXXX XXXX XXXX Account Status /. OPEN - XXXX XXXX XXXXXXXX XXXX XXXX IN FULL / Account Status Open/ XXXX
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

I had a checking account with Chase bank and it had XXXX cash in it because my husband and I are both not working. I asked Chase to STOP sending payments through the account that I had but they kept doing it and then charged me overdraft fees. The total in these fees ending up being in the XXXX of dollars. Everytime I would turn around, there was a charge taken out of my account and then an OD fee! My other bank states insufficient funds and will not let me take anything or pay anything but Chase? No! They keep doing it and doing it all to get the OD fees! I finally asked them to close my account and they didn't do it but kept charging me OD fees. Finally on XX/XX/2023, the closed the account but then the deposited a check into that account. How can you deposit a check into an account that is closed? not only did they deposit the check, but they kept the entire amout which was {$540.00} refund on insurance that we received because of something Biden set up? Not really for sure on that one. At any rate, the check was made out to my ex husband and he did not have a signature on file and the account was closed, so how can they cash this and keep it? It wasn't mine and it wasn't thiers either. They are refusing to do anything and keep telling me that this issue is closed. It isn't closed! I want that money back that was a GOVERNMENT refund!
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have asked Experian to update my personal information and they refuse to do so. I do not receive mail at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately. 

I have only XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX - Remove immediately! 
XXXX XXXX - Remove immediately! 

Please remove it immediately! 
Employers THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX -- XXXX I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused. 
By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 7 days, I will follow up with a legal suit. Because this is fraud. 
Please remove it immediately! 
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Thank you for your support in monitoring our wrongful foreclosure case that was brought against us by AHMSI/Homeward Residential/Ocwen/XXXX. Ocwen has never planned to help our family even though we never defaulted on any of our HAMP payments. Ocwen has continued to refuse to drop the foreclosure against us so that we can work directly with Making Home Affordable Escalations and the CFPB. Ocwen moved for summary judgement against us over the holidays proving that Ocwen has no intention of helping us. XXXX/Ocwen stated that we have not given any proof that our loan is a part of the Ocwen National Mortgage Settlement when we are clearly the poster child of why the settlement happened in the first place. We have never wanted a free house and Ocwen is forcing us to continue to incur substantial legals fees instead of settling with us and having the money go to the true investors of our loan. Please continue to monitor our case to insure justice and fair treatment. We want to settle as soon as possible XXXX.