davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CLGF Holdco 1, LLC (IN)

I received a hard inquiry alert from XXXX this morning dated XX/XX/XXXX that CB Indigo Bank had contacted all three credit bureau. Their address is po box XXXX XXXX, Oregon XXXX Phone Number XXXX. 
When I called the number, a recording asked for my Social Security number. I did not give them any information. I have been on XXXX for XXXX since XX/XX/XXXX. I have no outstanding bills whatsoever and there would be no reason for this place to be contacting me. When I refused to give my Social Security number, the recording said they were a debt collector. I hung up the phone.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

According to the fair reporting act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post o a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ). that you have a file for the account. and according to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

I decided to purchase few homes in the state of California and before I do that I had purchased a brand-new set of my credit report from XXXX that got me so disappointed to find out that I am a victim of identity theft. Apparently, someone is unknown to me had somehow found my personal information changed my address and phone number and got themselves a credit card from XXXX XXXX. Since I am not aware of this account the account got charged off or for about {$200.00}. And if you look at my credit report all my credit cards limit are above {$10000.00} - {$20000.00} credit limit with outstanding payment history for over 20 years. And I requested Elan Financial services to XXXX ) Close this account and remove from credit report agencies because it is a fraud account. XXXX ) I did police report see attached. XXXX ) I did identity theft report copy attached XXXX ) I requested XXXX XXXX to give me investigation report and XXXX XXXX refused to do that, XXXX ) XXXX XXXX refused to give me Physical address in the State of California and Registered Agent in the State of California and the tel number to sue Elan Financial Services in XXXX XXXX California and XXXX XXXX refused to do that and that is illegal reporting on me to credit agencies and XXXX XXXX is obstructing justice for now allowing me to sue them in the State of California. I demand XXXX XXXX to be forced to give me the physical address and California and registered agent in California and the tel number in California to allow me to sue them for destroying my life. Elan Financial Services is hiding illegally with po box address in outside California to prevent to be sued for reporting this illegal fraud report on my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

MD Code, Commercial Law, 2-725 2-725. Statute of limitations in contracts for sale.1 ) An action for breach of any contract for sale must be commenced within four years after the cause of action has accrued. By the original agreement the parties may reduce the period of limitation to not less than one year but may not extend it.

( 2 ) A cause of action accrues when the breach occurs, regardless of the aggrieved party 's lack of knowledge of the breach. A breach of warranty occurs when tender of delivery is made, except that where a warranty explicitly extends to future performance of the goods and discovery of the breach must await the time of such performance the cause of action accrues when the breach is or should have been discovered. 
( 3 ) Where an action commenced within the time limited by subsection ( 1 ) is so terminated as to leave available a remedy by another action for the same breach such other action may be commenced after the expiration of the time limited and within six months after the termination of the first action unless the termination resulted from voluntary discontinuance or from dismissal for failure or neglect to prosecute.

( 4 ) This section does not alter the law on tolling of the statute of limitations nor does it apply to causes of action which have accrued before Titles 1 through 10 of this article becomes effective.

15 USC 1681 ( e ) b ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates.
Consumer complaint received 2023-09-17
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. (TX)

In accordance with the Fair Credit Reporting act Convergent Account # {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (VA)

This is a follow up to the Roundpoint 's feedback to complaint XXXX. The response is deceptive and unfair : XXXX. In the response, XXXX stated " It is your assertion that phone calls were made to an incorrect number '' but also stated that they called XXXX on multiple dates in XXXX. I don't " assert '' that is not my number because it is in fact not my number. Roundpoint failed to comply to Regulation Z ( Truth in Lending Act - TILA ) which requires mortgage servicers to provide timely and accurate information to borrowers. They failed to do it in XXXX because they had the wrong number on file. They inherited this number when they took over my loan from another service provider, without verifying the contact info with me. Under RESPA, mortgage servicers are required to promptly correct errors and provide accurate information about my mortgage account. Roundpoint 's behavior is a violation to RESPA. 

XXXX. On XX/XX/year>, I asked their call center agent to update the phone number to XXXX after learning from them that they had a wrong number ( Hence, Roundpoint 's statement about me updating the number was deceptive ). Since then they have had the correct number, however, I did not receive any phone call from them about the cancelation of the auto payment nor the past due status of my account as a result. What did they attempt to connect me via phone in XXXX ( to the wrong number ) but not XXXX when they had the correct number? Roundpoint did not meet the general standards of fairness and accuracy per CFPB requirements in their communication practices.
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (MS)

There have been many issues with this loan I've been trying to work through with 4 servicers since COVID-19 Pandemic. Problems existed with the original loan modification and remain unresolved, which is why I sought 3rd Party loss-mitigation with XXXX XXXX in XXXX. And for obvious ( financial incentives ), the present servicer is pushing another loan modification as their solution to a problem that wouldn't exist, and my loan number would be in good standing had they not violated my rights during a loan transfer that was in loss-mitigation the entire duration of Mr. Cooper 's announced acquisition of XXXX in XX/XX/XXXX- XX/XX/XXXX when they finally sent notice of the acquisition and transfer. 

Up until that point, XXXX XXXX had initiated communications in XXXX XXXX that went non-responsive and as consequence, cancelled my grant award of up to {$50000.00} XX/XX/XXXX because the servicers would not respond to their numerous attempts to execute my award to bring my loan current and in good standing. 

After pleading with HAF to try one more time ( with the newly obtained information ) from Mr. Cooper XXXX, XXXX XXXX paid Mr. Cooper at or about {$22000.00} in XX/XX/XXXX that brought my loan current, but because of the excessive delays, XXXX XXXX requires that I reapply for the monthly payments or {$28000.00} balance of the original {$50000.00} award. Further, I did not find out that XXXX XXXX rescinded the monthly payment portion until Mr. Cooper noticed me that I was 90 days past due on my monthly notes. 

XXXX XXXX is now telling me that they can not do anything until Mr. Cooper produces a foreclosure date. 

I am trying to get Mr. Cooper to communicate with XXXX XXXX and straighten this matter out without my property going into foreclosure. I have had this property for 24 years, this original mortgage for 23 years and I do not intend to lose over {$400000.00} in equity over Mr. Cooper and XXXX incompetence and or negligent loan transfer processes. Particularly when there are specific laws that governs notification timelines when mortgage loans are transferred to a new servicer is found in the RESPA Servicing Rule, which is part of Regulation X ( XXXX XXXX XXXX ). 

The original loan number and the new altered loan number can be found in the attached correspondence with Mr. Cooper and XXXX XXXX. 

Please see the attached documents for present communications between XXXX XXXX and me regarding the issue. The responses are non-responsive and after XXXX attempts at inquiry, I feel my efforts have been exhausted at reaching a good-faith remedy. The order of the files are listed in chronicle order : : XXXX. ) XXXX XXXX. ) XXXX XXXX. ) XXXX Thank you for any help you can afford this matter.
Consumer complaint received 2023-10-24
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. (MA)

I am writing to bring to your attention an issue regarding incorrect information on my credit report, which I reported to XXXX on XX/XX/XXXX. As of this date, I have not received any response or resolution from XXXX. I would like to provide the following details about the inaccurate information and request the necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Not mine ; please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Status : Not mine ; please remove it from my credit report.
Consumer complaint received 2024-06-28
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TN)

On XX/XX/year> I reported my NetSpend XXXX card stolen because my wallet had been stolen at the waterpark, they sent me a new card but I also sent the a written dispute letter with XXXX business days. While waiting they closed my account so when I went to activate my new card they said I was banned from NetSpend and there was money still left in my account and the total stolen is {$3800.00} and now they locked my account to where I can't see all merchants or anything won't activate my new card they sent Everytime I have called I get hung up on and I emailed them my police report along with all documents needed the next day and it's almost been 2 months and I still haven't received anything
Consumer complaint received 2024-05-26
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)

XXXX, Equifax and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov, bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Consumer complaint received 2024-05-11
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: Experian Information Solutions 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 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/year>, I was charged close to {$2500.00} in interest from 1 year since I began paying through CareCredit/Synchrony bank for services I received from a vender in installments. 
I have made minimum payments every month, pre-set by CareCredit, and so intuitively and logically expected that I was on par to pay off the bill without interest. 

I was not given adequate notice that this interest would be charged, since I was not emailed directly warning me that this due date was approaching, or given this information on the XXXX app I use to make monthly payments. 

This companys descriptive business practices are unfair, as I never assented or agreed to these specific terms, and would certainly not have agreed had I known these terms applied. 

I attempted to remedy the situation by offering to pay off the rest of the bill without the accrued interest, or even construct a new payment plan if they would rescind the interest installment. 
They then informed me there was a 30 day grace period that expired, which again, I was given NO notice of. 

Essentially, this company seems to encourage delinquency of payments in order to collect interest deceptively. I have learned that they require the user to calculate on their own how much they will need to pay to not be charged the arbitrary amount of interest after a year, and this seems extremely problematic as many users will not be able to easily correctly assess how much they need to ensure they pay every month to not get charged. 

Even on monthly statements, this information is deceptively hidden, and carecredit did not send me any monthly statements by email. They only had me pay by logging in or on the app, which does not show the monthly statements until you examine long pdf files. 

Once again, I was not given just notice of what I was being subject to, and the minimum payments I made every month, I believe, gave me reason to believe that I was on time and would not be charged any interest. 

When I originally made this agreement, I did not assent to these terms in particular, and I would have never agreed to this payment plan if I was made adequately aware of these terms. 

And, once again, I should have been adequately warned closer to the due date. Carecredit gave minimal to no effort to do this and now they refuse to help me remedy the situation. 

I ask that your team help remedy the situation, or at least put them on notice that these deceptive business practices can not be tolerated.
Consumer complaint received 2024-09-13
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)

I was reviewing my consumer report recently and I discovered that there XXXX accounts reported that I did not give permissible purpose, 15 USC 1681b. The information that is reported has and is adversely affecting my character, creditworthiness, reputation, and mode of living. As a consumer, described under 15 USC 1692a ( 3 ), this is a clear violation of several federal laws including the FCRA, FDCPA, the GLBA, and Title 18 under Identity Theft. 15 USC 6801 & 6802, emphasizes the importance of securing non-public personal information and the agencies knowingly and willfully possessed and transferred this means of identification without authorization, which is a clear indication of 18 USC 1028 Therefore, I kindly demand a block of all the accounts, per 15 USC 1681c-2 ( a ). Accounts : XXXX XXXX - {$1500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$1000.00}, XXXX XXXX XXXX XXXX {$540.00}, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act Convergent accounts : 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.
Consumer complaint received 2024-04-27
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. (CT)

''I writing to delete the followinginformation from file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon possible ''
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Its incredibly frustrating to find discrepancies on my credit report this morning. Despite checking regularly, these unauthorized inquiries seemed to appear from nowhere, and refreshing the browser didn't help. Im asking for immediate action to review the documents Ive provided and have the unauthorized inquiries resolved so I can move on from this troubling situation.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.