davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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)

I'm putting down to give my strain concerning the tested accounts on my credit report. On different occasions, I have raised the issue of slips up in these records, and have reliably referred to that they be completely dissected. No matter what my endeavors, I eventually can't get any goal or restorative development. These stirred up records are really harming my credit report and obliterating my capacity to go on with a typical life. The horrible aftereffects of these bumbles have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with changing what's going on at the earliest entryway. I nicely demand that you lead a complete evaluation concerning the determining of these tested records. It is fundamental that the chief advances are taken to resuscitate and address my credit report immediately. With your assistance, I need to reestablish the exactness and fairness of my credit document so I could recover command over my cash related flourishing. I genuinely ask you to offer this matter your generally unbelievable idea and make an expedient move. Your collaboration and moving in settling this issue quickly would be enormously significant. Grateful to you right off the bat for your comprehension and help.
Consumer complaint received 2024-08-12
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. (MD)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed a collection account ( XXXX ) reporting to Transunion and I asked them for validation of the account ( original document with my signature ) and they said that the account was verified. I also asked the collection agency for validation and they sent me what appears to be a screenshot of a bill that does not belong to me. Transition has not provided to me any proof of validation of this account, only saying that it was verified which is unsatisfactory.
Consumer complaint received 2024-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information. 
2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms.

3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation.

Actual damages for the harm caused to my credit standing.

Punitive damages for willful violations of the FCRA.

Recovery of legal fees and costs associated with disputing these inquiries.
Consumer complaint received 2016-02-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C. (PA)

I found out that National Hospital Collections had reported information to my credit file when they told me if it was paid then it would not go on my file. I was XXXX at the time and was on workers compensation. I had borrowed the money to protect my credit and believed them when they told me I would not receive a mark on my credit file.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

XXXX phone call an account was open in my name when ask for info there was a check in which was in my name XXXX sent without my request and cashed the were no info of where it was cashed was a odd amt. {$600.00} File a police report a copy was sent to equifax. I am XXXX has XXXX I am a XXXX Veteran never applied for a payday loan.I would like to block XXXX From reporting anything to my file I file a fraud report. ;
Consumer complaint received 2015-07-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Solutions Specialist, Inc. (TX)

I have never received any form of documentation from this company stating I owe a debt. I found this collection item on my credit report. I contacted XXXX and they stated they had the wrong address in their system. I have been going to XXXX for years, I am not sure how that happened.
Consumer complaint received 2017-03-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IN)

Due to an illness, I was unable to work for a period of time. This caused me to fall behind on my mortgage payments. Currently, I am working, receiving Social Security and a pension. My goal is to keep the home, and I have demonstrated my ability to make payments. I have sent the mortgage company five ( 5 ) payments via XXXX. However, US Bank has not acknowledged receipt of the payments. As verification of the same, I am attaching my receipts. The dates and payment amounts are as follows : XX/XX/2017 : {$1600.00} - represents three ( 3 ) payments of {$550.00} XX/XX/2017 : {$1100.00} - represents two ( 2 ) payments of {$550.00} I have been corresponding with the lender, and they gave me a deadline of XX/XX/2017 to bring my account current. The letter is attached. 

I am concerned that I am in the foreclosure process when payments are current with the lender. It is difficult for me to get in touch with my point-of-contact at U.S. Bank. The City of XXXX housing counseling office has worked with me to reach to the lender, who did not acknowledge receipt of payments and to the lender 's attorney, who denied filing foreclosure papers. 
If you have any questions, please contact me at XXXX.
Consumer complaint received 2022-12-21
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)

Hello, My name is XXXX XXXX. I have gathered the following information from my XXXX, Transunion, and XXXX credit reports. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ... all have violated my rights as listed below. 

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 2016-09-13
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC. (CA)

Refinanced our home loan with First California Mortgage and they changed the terms of the loan after closing escrow. They were supposed to include XXXX supplemental property tax payments with the refi. When we were at closing the out of pocket amount to be wired was incorrect at {$1700.00}. Was told by loan officer that it was a mistake the next day and the amount that was needed to close was {$1200.00}. Figured out that the amount we ended up wiring is the amount you get when you subtract the XXXX tax payment. Was never told that the terms of the loan were changed. We did not think anything of it until I checked on line and noticed that the second tax payment was not made. I checked with the Escrow company and they were the ones that told me the loan was for only XXXX tax payment. They changed the borrower statement after we technically closed escrow. Had to scramble to make the second tax payment which caused a financial burden. Desired resolution would be to honor the original agreement and reimburse us for the second tax payment. This should be considered deceptive loan practices.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Colony Brands, Inc. (IN)

This account is appearing on my credit report along with XXXX others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My husband and I terminated our lease early and incurred move-out costs and early lease termination costs as a result. I called the apartment management to get a balance and was told we would receive a bill shortly. Two weeks later we receive notice from a debt collector ( FCO ) telling us we owed {$2500.00}. I agree that we owed {$1100.00}. XXXX, however, the apartment complex did not account for a payment we made to them in the amount of {$1300.00} on XXXX XXXX, 2016 ( prior to our move-out ) and did not include this payment.
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (IL)

Hi, So I got behind at times with my loan and missed payments were rolled to the end of the loan. Recently I noticed my payments were not reducing the principal and XX/XX/XXXX and XX/XX/XXXX was paid 100 % to interest and nothing to the principal. Subsequently other payments had varying amount reflected to interest and principal which could not be calculated per the interest on the loan. 

I called to discuss on XX/XX/XXXX and the representative provided no helpful information and was not able to answer any questions. 

Any help would be appreciated. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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. (FL)

I am writing to formally complaint about EQUIFAX 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my EQUIFAX credit report that I did not open or authorize. The details of the fraudulent account are as follows : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year> BALANCE {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with EQUIFAX, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, EQUIFAX is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. 
Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to EQUIFAX.
Consumer complaint received 2024-08-12
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)

This account to reporting inaccurately. I have called, written letters, and send disputes to all credit bureaus. I believe companies can not sell and or take you information and report it on a consumer report without yoir knowledge. This is aggravated identity theft according to the 18 U.S. Code 1028A. I have attached all my information for this request. I would like this account removed/deleted as it is hurting my efforts to obtain credit. Thank you for your help and consideration.
Consumer complaint received 2024-08-12
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. (CA)

15 U.S. Code 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the U.S., several unauthorized accounts were opened in my name. One of these is a credit account with Bank of America, which Ive been trying to remove from my credit reports for the last two years. However, my claims have been repeatedly rejected.

Today, I received a call from Bank of America explaining that the reason for the rejection is that payments have been made from a Bank of America checking account into the fraudulent credit account. I was unaware that a fraudulent checking account was also opened in my name at Bank of America. 

In order to resolve the issue with the fraudulent credit account, it appears the fraudulent checking account must be addressed first. Unfortunately, I have no information about this checking accountno account number, no opening date, or any other details. 

I have attached a police report, an identity theft report, and my XXXX as proof that I was out of the country from XXXX until XXXX.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2017-04-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Financial Services ( TFS ) calls us incessantly from various outward-bound Call Centers using FAKE Direct-Inward-Dial Numbers. Furthermore, they are calling a distant family relation at : XXXX - which they have no right to do as they are not a party to the purchase contract. I would like TFS to CEASE AND DESIST all collections activity with my distant relatives ( XXXX XXXX ) and only communicate with my wife and I directly.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I received a notice from Ocwen Loan Servicing saying they had discontinued the service that had made automatic payments from my bank account via ACH. This notice came very close to the time my payment was due and contained a form to initiate ACH payments. I filled out the form and returned it the day after I received it and before the next payment was due. Ocwen rejected the payment saying I had to pay the loan 30 days in advance for them to activate the payments. This was something I did when I originally set up the Automatic ACH payments they just discontinued. The issue was escalated to an " escalation manager '' who suggested reversing the extra principal payments to allow the ACH payments to be set up. He did this and then told me I had to go to their website to set up the payment. Their website will not allow me to log in, allegedly because the zip code does n't match the loan number on the account. The Zip code and account number were entered as instructed by Ocwen. I have sent them multiple letters and they reply with a form letter telling me to enter the correct information. In doing this, they have caused many of mortgage customers to be late on their payments and if they did this to thousands or hundreds of thousands of customers, they have heavily profited from their inappropriate actions and the extra payments provided them with a very large boost of capital that may or may not be actually benefitting the customers accounts. So Ocwen said they would n't make any more payments that had been ongoing via ACH for years and in the same letter said I could set up an ACH Payment but ONLY if I pay them payments that are n't due for a month!!!
Consumer complaint received 2017-04-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (GA)

I recently requested a copy of my annual credit report and notice an item on it that does not belong to me. It is a credit card by Chase and it has me listed as an authorized user, which I never requested. I send a letter to Chase disputing this account and they did not respond. Now they pull a hard inquiry on my report which I did not authorize. I want this account and the inquiry removed from all of my credit reports since this account is not mine.