davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the correction of inaccurate information on my credit report. I recently reviewed my credit report and identified several inaccuracies that negatively impact my credit score and affect my ability to refinance my home. 

The specific inaccuracies are as follows : Address : XXXX XXXX  XXXX XXXX XXXX, Fl XXXX It is my only address all others should be removed INQUIRIES : LENDERS There should be XXXX XXXX XXXXXXXX ( there are multiple ) XXXX  Should be removed ( Lender ) XXXX  XXXX Removed XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX Please remove XX/XX/XXXX Never Applied XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Please removed I don't have a XXXX card and never applied XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Please remove Never Applied XXXX XXXX  XX/XX/XXXX Please remove ( Never applied ) XXXX XXXX Please remove ( never applied don't have a XXXX card ) XXXX  XX/XX/XXXX Please removed XXXX XX/XX/XXXX? Please remove this acct was opened in XXXX I request that you investigate these discrepancies and update my credit report accordingly. I have attached any relevant documentation to support my claim. 

Please confirm receipt of this request and inform me of the steps to address these issues. If the inaccuracies are not corrected promptly, I will have no choice but to consider legal action to protect my rights and financial standing. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (NV)

In XXXX my identity was compromised and a theft somehow got a hold of my personal identifying information such as my name, my date of birth, my social security number, my address. The thief broke into my mailbox multiple times and stole my mail and used my identity to open several accounts, they also went and applied for government benefits in my name. Once i became aware of the identity theft I immediately reported it to the postman inspector general, and to the XXXX XXXX police department. When i seen Conn account pop up on my credit report, I knew I didnt open this account and so I reported the identity theft to XXXX XXXX XXXX XXXX and XXXX and directly to Conn. i wrote a dispute letter, along with a FTC id theft report and a copy of the police report filed with XXXX XXXX XXXX police. Conn has ignored my identity theft dispute. This is a violation of my rights under the FCRA. 

Conn has a duty to investigate a dispute from me the consumer sent to the address listed to receive disputes. Conn is in non compliance of 15 USC 1681s-2 ( A ) ( 1 ). Conn also has a duty to correct and update information being reported that is inaccurate. 

Not only has Conn ignored the Identity theft dispute that XXXX, XXXX and XXXX forwarded to them which is a violation of the FCRA, also Conn has ignored my direct dispute I sent certified mail in XXXX of XXXX and another dispute with a copy of the police report and FTC report in XXXX of XXXX. NO INVESTIGATION HAS BEEN DONE BY CONN. Conn has not investigated my dispute nor have they provided me the results of such investigation. It has been over 90 days and still no response from Conn.
Consumer complaint received 2024-06-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score PORTFOLIO RC Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Barrett Financial Group, L.L.C. (GA)

XX/XX/year> thru XXXX XXXX. Total amount to be reimbursed XXXX. The cost for delaying original moved date of XXXX XXXX XXXX XXXX days {$880.00} gas about {$200.00}. On call legal fee {$190.00}. UPS fee {$10.00} to fax document Quit Deed. County Recorder fee {$110.00}. Wire Transfers ( 2 ) for {$50.00}. The letter that I have attached was typed before other expenses were added. Daily process with dates, names of Lenders, Underwriters are annotated in this letter. Only 2 people responded to this email the rest of the people went silent. XXXX XXXX XXXX person who has very informational who was abandoned by the XXXX XXXX XXXX XXXX who started this horrible purchase of our home.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I called XXXX on or around the time I XXXX XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with 2 different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the XXXX XXXX XXXX. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-08-23
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCF Intermediate Holdings LLC (CA)

XXXX XXXX XXXX - Account type : Debt Buyer - Original creditor : SPEEDYCASH Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year 2018. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With National Credit Adjust - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : XXXX ) How much money the debtor owes XXXX ) The name of the creditor to whom the debt is owed XXXX ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with XXXX XXXX XXXX, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

this is a formal complaint against XXXX XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Debt Collector : PORTFOLIO Account Number : XXXX Nature of Complaint : Lack of Written Notification : PORTFOLIO did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action.

No Contract or Business Relationship : I have never engaged in any business with PORTFOLIO and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

Inaccurate Reporting : The account information reported by PORTFOLIO is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

Unauthorized Credit Report Entry : PORTFOLIO added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of PORTFOLIO have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FCRA, FDCPA has also caused emotional distress and financial instability.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Municipal Collections Services, Inc. (IL)

I received a text message from XXXX stating they have business of mine in their office. They instructed me to go to XXXX XXXX XXXX and use account number XXXX and for additional information call XXXX. I received a call back from XXXX. They tried to confirm information from an old address of mine and an old license plate number and that I owned a XXXX XXXX XXXX. I had not lived at that address and or had the car for at least 10 years. The woman on the phone said I had {$1200.00} in parking violations from the cities of XXXX XXXX and XXXX  XXXX, IL from XXXX to XXXX. I told her that wasn't me and is too long ago to collect a debt. She said FALSELY that municipal debt does not have a statute of limitations and I should make arrangements to pay. I told her I wasn't going to provide her anything unless it was in writing. She then pressed for my address which I refused to give. It turns out I am correct and the 735 ILCS 5/13-227 states that municipal ordinances are collectible for only 7 years. I also looked up MCSI on the XXXX website XXXX XXXX XXXX They are out of business. This appears to be a scam.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I deposited a certified {$2000.00} check into my USAA checking account. This was completed as a mobile deposit because the bank does not have branches. This was Friday XX/XX/year>. I had access to only XXXX. I needed at least XXXX. I logged into mobile app and chatted with an agent who said the money would not be available until the earliest XX/XX/year>. 

XX/XX/XXXX the money still was on hold. I filed a complaint and requested tge written policy and proof that I had acknowledged a policy that holds funds of a certified check for 8 days. 

XX/XX/XXXX and XX/XX/XXXX I continued to request my funds. By this time I needed gas and groceries. I also had to cancel seeing my son and his family because I did not have tge funds. 

I believe holding funds from a certified check for 7 days is unnecessary and excessive especially when mobile deposit is only option.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

There was unauthorized credit card charges on the account, also someone was added to my account with out my permission and made charges on the account total {$47000.00} I told the credit card company and they are not working with me to fix the issue. Also identity theft was taking place on my account with out my permission someone have stole my phone number email address social security number date of birth and used it to make fraudulent identity theft over the time, there was an authorized user addeded to credit card account with my authority and was making fradulent charges on my account and now the credit card company is holding me responsible for the charges on the account. thank you.
Consumer complaint received 2024-06-05
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: Bread Financial Holdings, Inc. (TX)

I am writing with grave concern over a derogatory rating that has appeared on my credit report. This inaccurate negative mark is already causing me significant financial hardship and emotional stress. Due to this erroneous rating, I have been denied a recent loan application and seen interest rate hikes on my existing credit accounts. I can not overstate the detrimental impact this is having on my finances and wellbeing. 

I am formally requesting that you take immediate action to remove and block the improperly reported derogatory information from my credit files at all three major consumer reporting agencies, as mandated by law. I expect you to promptly delete these inaccurate negative entries within the legal timeframe requirements.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a consumer.
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Barrett Financial Group, L.L.C. (CA)

On XX/XX/year> I reached out to XXXX XXXX XXXX # XXXX with barrett financialgroup about a down payment assistance program in which she gave me two options. The choices were either a conventional loan or a FHA loan, the requirements were that i provide my social for a credit check ( a credit check is payment ) and documentation such as tax information, previous assets and the like, the XXXX XXXX XXXX XXXX ) and tXXXX XXXX XXXX XXXX XXXX ) to proceed. For a continuous of days we conversed about uploading the necessary documents, a credit check was produced on her end and not mines to know of what information she's referring to, in which she said she would furnish a copy of the report, in which she never did. After uploading all the requested documentation she then notifies me that she cant continue the process as there's a negative item on your credit report and the lenders will look down on that, I also informed her why she didn't inform me of any of this in the previous days or any time before i provided you with all of my personal information? she said it's normal procedure but didn't return the uploaded items to me if my service isn't wanted. the items aren't a gift, and i'm aware that these applications are considered as money to their company as it's an asset. My issue is that I've provided value and no value nor consideration was returned and so that formulates into fraud and this is my claim asserting such FCRA 605B, 15 USC 1681n
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (AL)

On XXXX XXXX I sent a debt validation letter 15 USC 1692g certified mail to Debt Recovery Solution, LLC at XXXX XXXX XXXX in XXXX, NY XXXX about an debt for XXXX that I'm unaware of asking them to send me a detailed list of payment history made by me, I asked to see signature that I put on contract saying I would pay, if there had been any insurance claim filed on the debt, and proof they have chain of title to collect on debt.i gave them 30 days to respond and instead they contacted the credit bureau and flagged it on XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rocket Mortgage XXXX XXXX XXXX XXXX XXXX XXXX  PROOF OF LATE PAYMENTS Dear Rocket Mortgage, I am writing to address the reporting of late payments on my account XXXX with your company. According to your records, there have been late payments on my account, but I am requesting proof of mailed statements for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late.

Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX