davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (LA)

Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (AZ)

I am writing to dispute inaccurate information on my credit report by all three credit bureaus, which has been reported by XXXX XXXX XXXXXXXX. I previously settled my debt with this company in full. However, the report inaccurately shows that only a partial payment was made. This is false, and I am attaching proof of the settlement, which clearly indicates the payment was a full and final settlement of the account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information reported. As the reporting from this company is not accurate, you are obligated to remove this incorrect information from my credit report. 

I have already paid the full settlement amount, and the companys continued misreporting violates credit reporting laws. Therefore, I demand the immediate removal of this account from my report, as the company is not reporting the facts accurately.

Attached, you will find documentation proving the full settlement of the account. I expect the erroneous information to be removed within [ timeframe, e.g., 30 days ] as required by law. Failure to correct this issue may force me to seek legal action to resolve this matter.
Consumer complaint received 2023-09-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (TX)

TD Auto Finance called me multiple times on XX/XX/2023. XXXX XXXXXXXX XXXX When the lady called for the third time I informed i have spoken to them 3 times already today and I feel I m being harassed the representative continued with questions and stated I didn't want a call which is not what was stated. I informed her of my rights and the law and she continued with her line of questions and I told her the call is being recorded and she don't have the right to harass me she can call tomorrow. I read the law to her and she continued still. She stated she will make note and I informed her I will seek assistant and that is when she decided to end the call. I m aware of my debt and have the intentions to make a payment on tomorrow but I don't want my rights as a individual to be violated.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

COMPANY XXXX XXXX XXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC (FL)

I have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the HCA informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX  and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX not sure of alot of things. I dint know what to do until now can you please help me
Consumer complaint received 2023-09-01
Product: Credit reporting 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)

COMPANY XXXX XXXX XXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I submitted a complaint about Nationstar Mortgage to CFPD ( case number XXXX ) regarding their refusal to work with us regarding modifying our mortgage payments due to the hardship suffered pertaining to my husband 's job loss because of the sudden closing in XXXX, XXXX of the company that he had worked for years. Nationstar 's response was to submit to CFPD our payment history and a repayment plan from XXXX. The XXXX repayment plan was entered into prior to a XXXX illness which nearly killed my husband in XXXX XXXX -- and the subsequent loss of his newly aquired job ( XXXX XXXX ) due to the duration of the illness, XXXX, and XXXX assocated with the severity of the illness in XX/XX/XXXX. Nationstar was apprised of the illness and job loss -- and the XXXX my husband is required to undergo 3 times a week due to the XXXX XXXX he suffered as a result of the acute but devestating illness he endured. ( all of the aforementioned medical history is documented, and can be sent to you if necessary. ) In addition to continuing to flatly refuse to work with us to assist us in becoming current our loan -- in their reply to our complaint -- Nationstar defended its practice of continuing to send the intimidating foreclosure letters, harrassing phone calls, and the reports to all XXXX credit bureaus every 30 days -- and also erroneousy states that we are " approximately two months '' behind on our mortgage -- when in fact, we are only one month behind. In closing, since we submitted our first complaint, we were informed that Nationstar has an " XXXX '' rating from the XXXX with XXXX complaints rendered against them in the last three years. ( ratin scale is " XXXX to " XXXX ''.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NV)

Allied collection services Inc. violated S.B. 248 which requires a collection agency to notify a customer via certified mail 60 days prior taking any action. I found the collection on my credit report and had never been notified. I inquired with the company and informed them I was never notified, and the person on the phone said they sent it to an address I no longer lived at. I told him they sent it to the wrong address and he stated howre we supposed to know its the wrong address? I called back and spoke to someone else, they were immediately able to find my current address without me providing it. Allied services was fully capable of complying with S.B. 248 and given written notice 60 days prior to posting the debt, and willfully broke this law when they had the capabilities to find my current address, and clearly didnt send anything via certified mail. They also violated HIPAA by sending my medical and financial information to the current home owners of my old address. They did not do their due diligence to insure they were following the requirements to collect a medical debt. I requested a copy of the receipt from certified mail and the man refused, I also requested to negotiate, and the man refused.
Consumer complaint received 2023-09-01
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. (FL)

TransUnion failed to uphold my credit freeze. Due to this someone was able to steal my identity using information they gathered from me and forge my signature digitally for a loan. TransUnion was notified multiple times that the signature was not mine and also the item the loan was for was never provided to me. Their way to " verify '' was to ask the people who committed the fraud if the fraudulent loan was real. This sounds idiotic, because it is. So essentially TransUnion said, " oh, we verified the accuracy of this fraudulent loan with the criminals attempting to defraud you ''. Also, they completely disregarded the fact that NOTHING should have gone on my credit report at the time because it was supposed to be frozen. 
I addressed these issues with them directly and here with the CFPB. 
TransUnion still has a nonfunctional website. I can do literally nothing there with my credit report. 
I was only able to dispute previously through XXXX XXXX  and by emailing them directly but now the credit karma option does not even work. 
I don't think anyone who works at TransUnion actually investigates these issues and if it is a person and not just a ( bad ) application, their grasp on the English language and FCRA laws is limited at best. 
I hope that the CFPB investigates TransUnion and shuts them down.
Consumer complaint received 2023-09-02
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX I gave company my signature for a bank credit card account and they keep giving me a bank debit card account with a legal name error. A bank credit card account comes with equal scale, ledger, and gold coin when you had me listed as a bank debit card account database by legal name error you need to correct your balance sheet as I am a bank credit card account with equal scale, gold ledger and coin. I'm illiterate and I am a bank credit card account than there's a bank debit card account blocking my access to finances. Bank debit card XXXX XXXX XXXX is denying my bank credit card legal name.
Consumer complaint received 2023-09-01
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. (NJ)

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. 

XXXX XXXX  : # XXXX, XXXX  XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 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.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I recently received two letters ( attached ) dated XX/XX/2023 that TD Bank was closing my Checking & Savings account. This after being a TD Bank customer for approximately 8 years. 

I've tried multiple times to receive additional information behind the closure, none has been provided up until this point. Instead, its been insinuated that the interest rate on my TD mortgage may be impacted as I may have been receiving a discounted rate due to my other relationships with the bank. I've confirmed that I have a 30 year fixed mortgage rate and found no basis behind this insinuation. 

This is a highly stressful position to be in, especially if it could potentially impact my home/family. Please help.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

On XXXX XXXX I sent a letter regarding an accurate and unknown things 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 XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-09-29
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. (IN)

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 XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account name : # 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 2023-09-01
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. (VA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To : Bank Of America , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida Orlando Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.