davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/2021, the corporation of which I am a board member was denied a bank account at XXXX XXXX  because of some company called Chexsystems. 

I an not nor have I ever been a customer of check systems. 

Chexsystems has sent me their report, attached, which has only my name, my address, my date of birth and the date at which my soc. sec. number became available. 

I should NOT be denied a checking account or savings account based on this information. 

However, XXXX XXXX  tells me that because I have a record with Chex Systems " at all '', that is a reason to deny me. 

That is not fair.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (UT)

Convergent Outsourcing is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Convergent Outsourcing about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2021-03-17
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)

The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC (TX)

I had a hospital bill for XXXX dollars. I am currently paying them directly. A collection agency is saying I owe XXXX for the same debt and that it is the principal amount not the interest. They are lying and trying to collect money when I paid the original debt and for far more than owed.
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: EQUIFAX, INC. (NC)

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. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. Andaccording to 15 USC 1681s-2 they are suppose 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. 
Resources
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC (TX)

My complaint is with Insight Management Partners a debt collection Agency. I never received anything in writing from them via Mail or email prior to the initial calls. On XX/XX/17 after supposed repeated attempts to contact me they found and contacted my Mother-in-law who does not live near us, disclosed my debt with her and referenced a lawsuit. She frantically contacted my wife. I then called them and informed them that while they can contact family members to try and reach me, they are not allowed to disclose my debt. When I mentioned this to the agent at the beginning of my call he shrugged it off and said he was just trying to help me. This is a shady tactic and illegal. He repeatedly said the amount is lower than they normally pursue those tactics. I am embarrassed that someone other than my spouse is aware of the situation and very upset by their practices ; my rights have been violated. I have made arrangements with them at this time, but this is NOT how you do business. I do have the call recorded if needed. I will go to any lengths allowed by my consumer protections rights to make sure these guys are fined or punished for their tactics.
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: EQUIFAX, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc. (WA)

The account is under HP Sears who is the collection agency but the original creditor is XXXX XXXX. I disputed this debt twice with XXXX  only for them to just update that it was verified but not providing me any other information. I reached out directly on XX/XX/30 to XXXX XXXX to try to obtain a copy of the original agreement and itemized bill so I could see what what the charges are, if my insurance covered and what late fees they charged and what I may be responsible for. XXXX XXXX was recently involved in a class action settlement ( will attach email sent to me ) that they overcharged patients late fees. I wanted to take a look at the statement because I know there will need to be an adjustment to what I was charged. While on the phone with the representative at XXXX XXXX, he was very rude and said he could not provide me any information and I would need to talk to HP Sears and before I could say anything he immediately ended the call. I was transferred to HP Sears where I spoke with a representative, XXXX, who said he would try to locate the itemized bill to send to me but if XXXX XXXX wouldn't provide it how would he? My biggest issue is I was never notified of this debt properly. The amount being report is different from what HP Sears is saying I owe. He gave me information to log in to see what they are reporting. Again, the original creditor, XXXX XXXX, would not even provide me with the copies of the bill with a breakdown of services and contract to properly validate this debt and I was a direct patient of theirs. I was never provided notice of this collection account which is directly violation of my FCRA rights.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (SC)

Skrill has one account banned my account for no reason at all. I received a deposit of XXXX dollars today and when I went to withdraw it, I received a notificiation that my account had been temp restricted and that I would need to upload a selfie with my ID. This is completely unacceptable and I truly see why multiple users complain about the company and their service.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 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 sent to Equifax was XX/XX/XXXX, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXXlists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX out after the disputes, which I confirmed via a phone representative at XXXX  on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with Affirm. However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XX/XX/XXXX out/cancelled due to the disputes, and there was aXX/XX/XXXX balance. But XXXX  continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. There is a third installment loan of {$40.00} on my credit report from XXXX. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. XX/XX/XXXX continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. The screenshots I have attached show I owed XXXX, and I have paid XXXX, as the loan amounts were either disputed and then refunded, or refunded directly by the merchant. The other screenshots show how XX/XX/XXXX has incorrectly reported these balances on my credit report. These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be *correctly* reported to the CRA within 90 days. There are 0 sections that prohibit deletion.
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. (FL)

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.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

Amerihome lost a payment that was wired to them from XXXX XXXX XXXX, and are not properly investigating the issue. My XX/XX/2021 mortgage payment was made on XX/XX/XXXX, for the amount of {$1200.00} to my previous service provider, XXXX XXXX XXXX XXXX XXXX. {$1100.00} would have gone to my monthly due, with an additional {$100.00} made to principal. The confirmation number for the payment was XXXX. My mortgage was transferred to Amerihome Mortgage Company , LLC from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. They made a wire transfer to Amerihome on the same day for that amount, under my previous loan number. Amerihome has failed to resolve this issue over numerous phone calls made. My current balance with Amerihome is inaccurate, and my account is erroneously listed as past due and needs to be adjusted to reflect the correct balance.
Consumer complaint received 2021-03-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have already contacted the bank about my secured credit card. I personally came to the branch 6 years ago. Paid all I must in full and a bank employee told me that everything was fine. The card would be closed and I didn't owe anything else. In the written response from the bank, there is no information on how they conducted an investigation into this matter.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.
Consumer complaint received 2021-08-30
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. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.