davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (NV)

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts. 
LATE PAYMENT ( XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX 54 % XXXX, XXXX 21 % XXXX, XXXX XXXX 7 % XXXX, XXXX XXXXXXXX XXXX 87 % XXXX XXXXXXXX XXXX XXXX 17 % XXXX XXXX XXXXXXXX 92 % XXXX, XXXX XXXX XXXX XXXX 98 % XXXX, XXXX XXXX XXXX XXXX 79 % XXXX, XXXX XXXX XXXX XXXX 12 % XXXX, XXXX XXXX XXXX 84 % XXXX  and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2023-09-28
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. (NY)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


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 XXXX XXXX
Consumer complaint received 2024-11-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Eastern Account systems started harassing me and calling me multiple times about a false debt that I do not owe. They even called my family members to include my mom when I am a XXXX XXXX XXXX adult that is current XXXX XXXX XXXX. I repeatedly told them multiple times if they say I owe a debt to prove it and send me any documentation that I do. 

The account they said I owe a debt with " XXXX XXXX XXXX '' even agrees I do not owe a debt. I spoke with them yesterday for the fifth time and they claim that Eastern account systems should know this yet they went ahead and filed a collection on my credit report anyways that I am now having to spend a ton of time and resources to fight this fraudulent debt. 

Prior to this I had sent them pictures of my XXXX balance of the account in question and still after receiving no proof of debt they went ahead and on XX/XX/XXXX filed a collection on my credit. I have never had a collection in the past and am more than able to pay any amount however I will not be extorted by a shady company with a horrible reputation!
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc (VA)

On my XXXX credit report the collection agency file a collection notice for medical bills that have nothing to do with me. When I contacted them they stated they have nothing in their system for me and that this is result of XXXX reporting this onto the wrong person and there is nothing they can do. I requested a letter from them stating the same but they stated there is nothing they can do for me. XXXX stated I must get a letter in order to properly remove the items in question.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX I, XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on 02/08/21 at 8:47am which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional 1,500.00 IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was fraudulently charged {$73.00} in XX/XX/XXXX on my Bank of America credit card. After initially bungling my fraud claim, Bank of America credited me for the fraudulent charge. The credit was wrongly reversed half a year later without notifying me and without any explanation. When I noticed on my statement that the credit was wrongly reversed, I spoke with Bank of America approximately seven times, maybe more, from late XXXX till today, XX/XX/XXXX. Over a period of about four months, Bank of America told me over and over that a check for the credit money would be mailed to me. The first promised check never arrived. I called Bank of America and was told that they would stop the first missing check and order out a new one. The second check never arrived. I called and asked that the credit money be sent directly to my checking account and was assured it would be. That never happened so I called Bank of America numerous times again. Each time the person I dealt with told me that the whole history was written in the notes and that the money would be ordered out to me. The money never arrived. Now after months of misleading me and a year after my initial fraud claim, Bank of America is telling me that they will not refund the money for the fraudulent charge and will not help me any further. 
Now in XX/XX/XXXX, a full year after my initial report of the fraudulent credit card charge, Bank of America is telling for the first time that they want more documentation to credit me with the {$73.00}. I told Bank of America that I have a copy of the contract for the fraudulent charge with my signature forged by the dishonest car rental company, but Bank of America said that a copy of the forged document is insufficient to support my request for the refund. The misinformation provided repeatedly by Bank of America for a year, their refusal to accept a forged document as evidence of the fraud, and their failure to inform me for a year that they want more documentation from me, is unacceptable. Bank of America must be held accountable and refund the money due me. 
I do not have the computer skills to submit the forged document but will mail it to anyone upon request. Bank of America has recordings and written notes that document my numerous and lengthy telephone interactions with them. I saved the forged document because it was so shocking, and I will search for any other documents that I may have. However, since Bank of America didn't ask me for documentation until a year had passed and told me repeatedly that my money was on the way, I wasn't careful to retain all the paperwork and doubt I can find anything more at this point.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

account on XX/XX/2019 the account was late but spoke with company and they accepted a pardon and sent me a letter and everything. I Sent this letter to the credit bureaus but they are not willing to remove the negative information from my report, only one did XXXX XXXX  and Transunion did not even after I sent them proof of this please help thank you.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

account on XX/XX/2019 the account was late but spoke with company and they accepted a pardon and sent me a letter and everything. I Sent this letter to the credit bureaus but they are not willing to remove the negative information from my report, only one did XXXX Experian and XXXX  did not even after I sent them proof of this please help thank you.
Consumer complaint received 2021-02-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

XXXX XXXX XX/XX/2021 XXXX XXXX  PST i would also like the removal of loan depot employee XXXX XXXX NMLS # XXXX and license revoked immediately he has treated me unfair, has provided misleading information, false information and has breach the contract i made with loan depot XXXX XXXX XX/XX/2021 XXXX XXXX  PST I XXXX XXXX, have started a lawsuit against loan depot in small claims ct and will be suing loan depot for pain and suffering, false information, racial profiling, breach of contract and hrs of painstaking work to try to get loan depot to no escrow the account and respond. 
I will be suing for XXXX XXXX dollars plus damages plus lawyer fees. 

XXXX XXXX XX/XX/2021 XXXX XXXX  PST it has been more than 48 hrs and still no response i demand a response to the request or there will be legal involvement XXXX XXXX XX/XX/2021 XXXX XXXX  PST pls update me on the status of the signed written request for the non escrow of the account. that i have faxed over to loan depot. to the fax provided XXXX XXXX XX/XX/2021 XXXX XXXX  PST i have faxed over the signed written request. 
XXXX update me on the status XXXX XXXX XX/XX/2021 XXXX XXXX  PST Re : Loan number XXXX Dear XXXX XXXX XXXX XXXX, Thank you for your recent inquiry regarding your loan. 
In order to have your loan reviewed for an escrow waiver, please send a signed, written request to : Attn : Research Department XXXX XXXX XXXX XXXX, NJ XXXX Fax : XXXX If you have a question and would like to speak with a representative, you can initiate a Chat session by? Live Chat? or send a secure message by selecting? Ask a Question?. 

Thank you for giving us an opportunity to be of service to you. 

Sincerely, XXXX XXXX E-mail Support Representative XXXX XXXX XX/XX/2021 XXXX XXXX  PST i want to non escrow account and would like to keep same insurance
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XXXX Amount : XXXX Account No. XXXX XXXX I file a complain against them because, this debt is not mine and it should be taken off by law if its not yours.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).

I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with ARS ACCOUNT RESOLUTION or any of its Affiliates nor have I ever engaged in any business with ARS ACCOUNT RESOLUTION in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I am a first time home buyer working with PRMG who has closed out my file without providing me reason as to why my file was closed. I believe I am being discriminated by this company as I have paid for an appraisal and was not given a new appraisal. The appraisal provided was given by 3rd party lender who I was working with prior to working with XXXX, XXXX XXXX and XXXX XXXX. I paid for an appraisal and was not refunded. I believe these loan officers took my credit information and ran my credit without intention to provide funding for my purchase
Consumer complaint received 2021-02-09
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (CA)

Someone took a loan out in my name years ago and it popped up on my credit making my credit drop 96 points. I disputed it now it came back and dropped my credit 61 points saying I need a fraud report.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (SC)

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of COLLECTION 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 INQUIRIES 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 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
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. (FL)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened with XXXX XXXX XXXX on XX/XX/XXXX acct # XXXX with a bal. {$73000.00}, a credit card account opened with XXXX XXXX  on XX/XX/XXXX under acct # XXXX, bal. {$7300.00}, a credit card account with XXXX XXXX XXXX  XXXX on XX/XX/XXXX acct. # XXXX, bal. {$6100.00}, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX under account umber XXXX, bal. {$6100.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This agency refused to delete this debt after several times requesting validation from this agency. No replies no answers. This agency claims I owe money to them from a debt they can't even validate. The statute of limitation in the state of Florida is 5 years for debt collection they also failed to validate. They also failed to show documentation I owe this debt to them.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am reaching out for your assistance regarding this incorrect account on my credit report. This matter has damaged my reputation, and I need your help. The improper handling of my credit report has left me devastated, and your inaccurate reporting has destroyed my reputation. Please correct these errors so I can have peace of mind with my family.