davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX have 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
Consumer complaint received 2022-12-01
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. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : -.
Consumer complaint received 2022-12-01
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Rushmore Loan Management Services LLC began servicing my mortgage in XX/XX/XXXX after it was sold from the prior servicer XXXX. First, XXXX has continued to incorrectly report to the wrong original loan amount of {$370000.00} as of XX/XX/XXXX. T.hey have document records that the original loan amount was {$390000.00} and not {$370000.00}. Secondly, Rushmore has continually reported the wrong outstanding balance owed each month to the credit report agencies. As of XX/XX/XXXX, Rushmore has reported my balance owed as {$360000.00} but has mailed a statement that shows my outstanding balance is {$360000.00}. Since, my original loan amount was {$390000.00} as of XX/XX/XXXX, I have paid a total of {$29000.00} toward the principal balance. Rushmore 's inaccurate reporting of the original loan amount as ( {$370000.00} ) and inaccurate outstanding balance as of ( {$360000.00} ), result in the CRA reporting that only 4 % of my mortgage has been paid since XXXX. THIS is wrong and has impacted my ability to obtain new credit. I have written the customer service department of Rushmore, who has continually not provided the correct information to CRA after I have disputed them three different times since XXXX.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept ed 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 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 2022-12-01
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter to the following credit agencies, Experian, XXXX and XXXX to file a dispute regarding a direct violation of U.S. Code 6801 ( a ) ( b ) of reporting inaccurate and nonpublic personal information as public information which is a breach of my security and confidentiality rights. They failed to verify the accuracy and validity of multiple accounts that was reported on my consumer report. As a result, I am in distress because I was recently denied credit because of their flagrant neglect and violations.
Consumer complaint received 2022-12-01
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. (GA)

In accordance with the fair credit Reporting act XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Dates : XX/XX/2022 XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2022-12-01
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: Experian Information Solutions Inc. (TX)

After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my 5th set of letters disputing these accounts to which I've received ZERO proof or verification. Experian, XXXX and XXXX have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.
Consumer complaint received 2022-12-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bridgecrest Acceptance Corporation (TX)

I have filed ( XXXX ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, Texas at the XXXX of the XXXX XXXXXXXX XXXX  XXXX. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am XXXX XXXX XXXXXXXX and receivXXXX XXXX XXXX  and am on a XXXX XXXX  while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!
Consumer complaint received 2022-12-01
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. (TX)

XXXX XXXX  has send me a letter stating the account is not delinquent but the servicing company XXXX XXXX  hired by XXXX XXXX  is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (VA)

Customer service at BP agreed to remove excessive late fees contingent upon resolving the actual usage amount {$330.00} less alleged late fees on XX/XX/2022. BP continues to bill late fees ( XX/XX/2022 ) for late fees not actual usage of the card after XXXX XXXX XXXX XXXX 's account was paid as agreed less alleged late fees. As of XX/XX/2022 there is a balance of {$150.00} ( {$75.00} Late fee x 2 ) for a bill that has been resolved. Spoke to BP representative  XXXX XXXX and he assured via email that the matter would be resolved, resolution did not happen. BP is gouging diesel fuel clients in the most trying of times for logistics companies. Please assist with this matter, Thank You.
Consumer complaint received 2022-12-01
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. (NC)

XXXXXXXX XXXX XXXXXXXX XXXX a balance of {$2300.00}. I never received a XXXX for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through Experian in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states XXXX are to be reported as income, and income can not be reported onto a consumer report. 

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer report.
Consumer complaint received 2024-09-01
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. (AZ)

I got a collection charge on my Transunion credit report from a XXXX XXXX XXXX XXXX which was an XXXX XXXX XXXX  charge from an old account I paid off and closed. This is the second company that has tried to file a collection against me for this erroneous charge which I disputed to XXXX XXXX XXXX in XXXX of XXXX. I successfully disputed the first collection for the same exact amount with Transunion last year. Then this collection amount was sold to XXXX and they filed this against my credit score, which has been over 800 for 20+ years now. I've disputed this erroneous now twice against Transunion ( XX/XX/XXXX & XX/XX/XXXX ) and they will not change my score even though I successfully disputed this same charge last year when a different company tried to collect this erroneous charge and provided TransUnion a copy of my closed account statement with XXXX XXXX XXXX. But they'll try to see if they can " help me '' if I buy some of their products ( the other 2 reporting agencies don't do this ) and they will not let me see my TransUnion score unless I buy it. I thought it was free to access. I believe that TransUnion is denying my dispute so they can sell me unnecessary services to resolve this issue. They consistently send me emails about fixing my score if I purchase their credit resolution services.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

I've filed a complaint with XXXX XXXX  at PNC ( Complaint Id XXXX ) and no one ever respond. 

I received an email on XX/XX/XXXX ( see attachment 1 ), said I could receive {$15.00} e-gift card after make two bill payments. I've already made 5 bill payments ( see attachment 2 ), but didn't receive any gift card.

I contacted customer twice. First time, the agent asked me to wait ( see attachment 3 ). Then I waited for another month. The second time I contacted customer service, I was told that this promotion was from last year, and any bill payment after XX/XX/XXXX does not qualify ( see attachment 4 ). This is ridicilous since I don't even have my account open at that time. How could I receive the promotion email?

Please investigate this issue and issue the {$15.00} e-gift card for me. Thank you.
Consumer complaint received 2022-12-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX have 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
Consumer complaint received 2022-12-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLIANT CREDIT UNION (FL)

I received correspondence from Alliant Credit Union on XX/XX/22 in the form of 2 letters - one letter contained the account number of the savings account that had been opened using my personal information and the second letter contained the PIN number to access the account.
Consumer complaint received 2022-12-01
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. (AL)

on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by Equifax, XXXX and XXXX. The only one of the above entities that I received a response was XXXX and it did address 3 of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 XXXX XXXX XXXX XXXX XXXX XXXX Account ) XXXXXXXX XXXX ( Account ) XXXX XXXX XXXX  ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX  ( Account ) XXXX XXXX U.S.C 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.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Consumer complaint received 2022-12-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc. (OR)

I revoked authorization on XX/XX/XXXX via email and chat and asked for another repayment plan. I put stop payment on the debit as well. On XX/XX/XXXX they debited my account {$670.00} causing me not be able to pay rent. I have emailed them several times and have not anywhere.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I have a XXXX card ( XXXX XXXX XXXX XXXX ) with two lines of credit, one for in store use and the other for use wherever XXXX XXXX cards are accepted. I missed a {$5.00} payment on the card which was due XX/XX/18 for a product I ordered online at XXXX on XX/XX/18. Once I received the XX/XX/18 bill in the amount of {$7.00}, which had a {$2.00} fee included, I paid the bill on XX/XX/18 instead of on the due date of XX/XX/18. Now in XX/XX/2018, although I had no purchases on the card since the {$5.00} purchase incurred on XX/XX/18, I received another bill for a {$2.00} fee. I called XXXX and they waived the fee and the associate told me that it was interest accruing up to the date I made the payment. I do not understand how it is interest and the amount was not noted under interest, but noted under fees. Also, if I get a bill that note {$7.00} must be paid by a due date and the {$7.00} was paid by that due date, I would not expect to receive a bill in the next month for interest accrued up until the day the payment was made, unless it is stated clearly on the statement that actual amount due is greater based on interest accrued daily and to call XXXX for actual payoff amount. Otherwise, the fees will be repeated ( never ending ) each month due to daily accruing interest. I also could not figure out how they arrived at the amount for balance subject to interest. I think the statement ending XX/XX/18 was misleading and the practice of charging fees after a balance was paid on time and in full is deceptive.