davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (CA)

I began receiving robo calls in XXXX. The calls were strange and said " A complaint has been filed against '' me. At first I thought it was a simple mistake, since I had not ( and still have n't ) received anything in writing. Then, family members, friends and my work said they began receiving these calls too. To the best of my knowledge I do not owe anyone anything and have been working on raising my credit score. 

Then I received alerts from a credit monitoring service that this company has entered numerous credit entries on my three credit bureau files. These entries show an amount, that I do not owe XXXX {$620.00} XXXX, and show late payments for the month of XXXX and XXXX. 

My credit score has plummeted. 

Since I have not received any written communication from this company, I had to use the address entered into my credit files. I sent them a written request for the following : I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent They have not responded and it has been 30 days.
Consumer complaint received 2017-11-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (GA)

Santander came and Repossessed my car again XXXX 17 @  XXXX XXXX. I called to see if U can get ny car back and how much to get it back. Their response was nasty and rude. She stated that I had to pay XXXX to get it back. Then she said I couldnt get it back. This is bad I tried to save my car but no one wants to help me. Someone needs to help me get my car back!!! I gave them my hard earnrd money for 5yrs and end up with no car. How does this happened in America!!!
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 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 

The company has Violated my rights 15 U.S.C 1681 section 602 A. State I have the Right Privacy.

15 U.S.C 1681 Section 2 : it also States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section State ; no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of conviction of crimes which antedate the reporting more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RELIANCE FIRST CAPITAL LLC (AL)

In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both Reliance and XXXX for breach of contract, Respa Violations, Negligence, and etc.

I have disputed the inaccurate reporting of my payment history with Reliance, XXXX, XXXX and XXXX, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

Reliance/XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from Reliance/XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, XXXX and XXXX show me as current in XXXX of XXXX ( which I was ) However, XXXX is reporting me as XXXX delinquent for XXXX of XXXX. Reliance/XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX XXXX and XXXX show me as 30 days delinquent and XXXX is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, RelianceXXXX should have not been reporting negative items to the credit bureaus. 

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with Reliance/XXXX , XXXX, XXXX, and XXXX. I kindly ask that these negative marks be removed immediately from my credit reports.
Consumer complaint received 2018-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello XXXX XXXX continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth XXXX XXXX has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2018-05-10
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: EQUIFAX, INC. (CA)

I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. XXXX reported normally. I've called EQUIFAX a total of 30 times asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XXXX EQUIFAX informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. MEAN WHILE EQ IS SAYINTH THEY HAENT HEARD ANYTHING FROM XXXX Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time..
Consumer complaint received 2024-09-03
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. (AL)

XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$490.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$830.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$460.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$130.00}. I HAVE NO CONTRACTS WITH THESE COMPANIES AND THEY HAVE AFFECTED MY CREDIT SEVERELY. I WOULD LIKE THEM REMOVED IMMEDIATELY.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2020-06-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I never received any communication for a dispute, I logged a Dispute back in XX/XX/2020 for a fraudulent charge that led into a collection. 

TransUnion mishandled the dispute and did not supply any evidence in regards to it. Nor allowed me to contribute my input to the case. 
When I called TransUnion about this dispute and the filenumber provided. They said this dispute was closed. I was never provided the research report, nor does the dispute appear on my account. 

What's more, the collection agency has no record of my name in their system, never been contacted by them or the original vendor. They have no idea about the collection for me, as I do not exist in there database ; however was claimed on my credit. 

I was able to get into my TransUnion account, where I found that there are names ( XXXX name ) and numbers that do not belong to me. I have never went by anything than my birth name and have an XXXX/XXXX   heritage. Where this blows me away, that this wasn't an obvious fraud, and that you are making me file another dispute to start over ; because of the lack of handling and professionalism by TransUnion.
Consumer complaint received 2024-09-03
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. (CA)

To Whom It May Concern, As a vigilant and concerned consumer, I demand immediate and detailed information regarding the exact steps your agency has taken to ensure the absolute accuracy of the items in question, as mandated by 15 U.S.C. 1681i ( 7 ). Per paragraph 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), you are required to provide a thorough description of the procedure used to verify the accuracy of the information on my credit report, including the name, address, and contact number of any information furnisher involved. Compliance with this demand is expected within 15 days of my initial inquiry. I previously informed your company that I am a victim of a data breach and identity theft, and I provided an FTC Report to support my claim. I demanded that all fraudulent information be blocked and removed from my credit report immediately, yet the following items remain unresolved. This negligence is unacceptable, and I expect you to address this with the seriousness it warrants. Under 15 U.S.C. 1681c-2 ( a ), you are legally obligated to block and remove any information that I, as the consumer, identify as resulting from identity theft within 4 business days of receiving my complaint. The following item must be addressed without further delay : XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. 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. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission XXXX XXXX XXXX - XXXX My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I have been disputing multiple accounts with Equifax, XXXX and XXXX since XX/XX/XXXX. I disputed a charged off account from a company called XXXX Bank that is still showing a balance owed after selling the debt to a collection agency/debt buyer back in XXXX. This account had discrepancies across all XXXX Bureaus during my initial dispute and was still reporting a payment history as of XX/XX/XXXX ; Equifax and XXXX have been updating this account for 4 years consecutively, violating my statute of limitations and refusing to provide proper investigation results/details. 

I also disputed an account with XXXX XXXX, XXXX. & XXXX, the collection agency, that also had discrepancies across all XXXX Bureaus. This account was showing a positive payment history with Equifax from XX/XX/XXXX- XX/XX/XXXX with no date of delinquency, while XXXX shows this as a delinquent account ; it is obvious there was not a thorough investigation completed. 

I also disputed an account with XXXX. XXXX, XXXX which was removed from my XXXX report because it was unverifiable. XXXX is reporting this same account and claims to have " verified '' it and has not provided me with any supporting documents. 

I also disputed another account with XXXX. XXXX XXXX with XXXX that has been repeatedly charged off and reporting a payment history since XX/XX/XXXX - XX/XX/XXXX, I have yet to receive any supporting documents proofing validity of this account. 

I have sent at least XXXX rounds of letters for each account, and I continue to receive a generic response in regard to these accounts saying that it has been " verified ''. It is ABUNDANTLY CLEAR there are no real investigations being conducted and my credit is suffering as a result of their negligence.
Consumer complaint received 2020-06-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

US DEPT OF EDUCATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4600.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX I did a settlement with these people and every month I get a delinquent notice I sent the paperwork that the court had discharged that and I to them and also the three credit bureau of nothing happens except each month my wife and I get a delinquent notice
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

I created an online banking account with Chase Bank. They stated that if I created an account with direct deposit, that they would award me with {$200.00}. Once I signed up and used one of my other verified addresses, I inputed my unemployment direct deposit. The next day for no apparent reason. Chase decided to lock me out of my account with out a valid reason. Shut down there customer service options on the phone and I couldn't call back. Chase asked me to provide them with a utility bill from my from my previous address and I provided them with a letter confirming proof of address. But to no avail my account is still locked out and chase refuses to help me get my {$200.00} and I've lost this weeks unemployment due to chase bouncing a perfectly valid direct deposit into an account that had absolutely nothing wrong with it. The customer representatives were very unhelpful and rude.
Consumer complaint received 2018-05-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (GA)

After BarclaycardUS.com rejected one of our XXXX XXXX account checks [ with one of our vendors ] accompanying with the offer of 0 % promotional APR through at least XX/XX/XXXX, on XX/XX/XXXX. We called around XX/XX/XXXX to find out what was the problem when we were notified by mail. It is now after to the XX/XX/XXXX deadline for the offer to remain valid. Meanwhile, another 0 % APR offer arrived with a deadline of XX/XX/XXXX. The representative now asks us to file out the application online for the balance transfer to be honored. We asked if XX/XX/XXXX, the new 0 % offer could be applied to this application since we will not get a decision on this online application until after the XX/XX/XXXX deadline. The representative stated this new offer was good to apply to our online application and she would make a note of it in our account. After paying {$250.00} in fees for this approved balance transfer, we were shocked to learn on our first statement no promotional date was applied and we were being charged another 16.24 % interest for the vendor balance transfer due XX/XX/XXXX. We called again asked them why the new offer with a promotional date of XX/XX/XXXX, was not being applied and they stated that offer was not applied to the loan transfer and standard rates applied. I told them that someone lied to us then and we would not have made the transfer only to take our business elsewhere & pay another balance transfer fee. Our balance has been at XXXX for years and it would have remained at XXXX if what we were told by them while filing the online application was not true. Their response : They would not admit they lied to us and did not care if we found another 0 % offer with our over 800 credit scores. BarclaycardUS.com provided misleading facts during our application process and lacked in its fiduciary duty to lending to the public. They never came out and stated this application will not qualify for the new offer. We thought we had an agreement that included the new offer with a promotional date of XX/XX/XXXX, and 0 % until that date was reached.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC (NC)

I had did a inquiry about refinance my house and getting some cash to pay off of credit cards. This was just inquiry, they said it would not affect my credit score just doing inquiry. My account with my mortgage company was finally good. This company had told me that I had already paid hundred thousand with my mortgage company. I did not give this company ( Credco ) permission to check my credit. Thanks, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

The apartment complex is claiming that I owe them a debt, which I believe to be unjustified. 

I have repeatedly requested a detailed, itemized statement from the apartment complex that explains the charges and provides a breakdown of what I allegedly owe. Despite my requests, they have refused to provide this information to me. I believe that this refusal is both unfair and a violation of my rights as a consumer. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist me in resolving this dispute. I am concerned that this unfounded debt claim could negatively impact my credit report and financial standing.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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