davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC. (GA)

Receiving communication from halstead financial services for XX/XX/XXXX 
Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$560.00} However, all of the electronic communications i have received from them, which is the only form of communications i received from them is addressed to a " XXXX ''. Have contacted the company seeking debt validation and have gotten no response.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are many inquires on my report that was not authorized by me. There is also accounts that werent open by me. There is also an account on there that has been paid for and is reporting negative. This situation has been prolonged for way to long and Im asking very nicely if my report can be cleaned and the fraudulent information be removed.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC (MD)

I received a letter to my home address asking for confidential information to be mailed to Celtic Bank ( serviced by Continental Finance Company ) so that my application could be completed. I never applied for or have heard of this card. I attempted to contact the bank and the credit card company and was not able to get through to anyone as I am not a customer. I am unable to use the reference number they provided to get through to customer service and the phone number provided on the Continental Finance Company website led to a help line who had not even heard of the XXXX XXXX or Continental Finance and Celtic Bank.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit report. XXXX XXXX XXXX, a large company that opened on XX/XX/2024, has reported an account under my name, which I have no knowledge of and did not authorize. 

I have never had any contractual agreement or business dealings with XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify this collection account. XXXX XXXX XXXX must provide a copy of an original contract bearing my signature to substantiate their claim. If they are unable to produce such documentation within 30 days, I demand that this account be deleted from my credit file immediately. 

Please consider this a formal request to initiate an investigation into this matter. I expect that you will notify me of your findings and actions taken regarding this dispute. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Violation of Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA ) And also defamation of character.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WA)

Our " bridge loan '' Conventional mortgage loan was transferred to Freedom Mortgage effective XX/XX/XXXX from our originating mortgage lender. We communicated with Freedom early on and told them we would be making our first payments at some point during the 60 day RESPA period, once we closed on the sale of our old home. They agreed that, during that period, we would not be assessed any penalties or late fees, and there would be no adverse credit reporting. They abided by those rules. Once our old home 's sale closed on XX/XX/XXXX, we quickly arranged to make a large payment, which we did effective XX/XX/XXXX, catching us up on interest due and reducing principal by a large amount, Now, despite bringing the loan balance down to a 15 % LTV ratio, having excellent credit, a 45 year history of home ownership and handling taxes and insurance on our own, Freedom Mortgage refuses to remove the requirement for an escrow account. I would add that our home insurance is completely paid up at this point through XX/XX/XXXX, and our first half property taxes have been paid.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NC)

I have made concessions to pay this bill but the option isn't available. I have try to make payments from the acct. The account been charged an extra {$270.00}. I never spoke to anyone on XX/XX/XXXX on after that point. I'm trying to pay the bill. I have never heard of a company that doesn't want the payment. Thanks
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (SC)

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2024-01-23
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. (TX)

I want to emphasize that I have previously disputed these account on several occasions in the past. Despite my previous disputes, the charge off entry remains on my consumer report, which raises concerns about the accuracy and compliance of the reporting agencies with the FCRA.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Comenity - Sephora Visa credit card ending XXXX paid by paper check to po box address listed on statement. Check processed by company weeks after being mailed and subsequently received {$30.00} late fee and {$2.00} interest charge.

Comenity agreed to waive interest and refund {$15.00} from late fee but refused to credit the remaining {$15.00}, even after I explained that I paid by paper check and sent check ahead of due date. 

Request is for waiver of entire {$30.00} late fee and {$2.00} interest charged. 

Request to close this account as the processing of payment caused me to incur fee that Bank will not refund.
Consumer complaint received 2024-05-23
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. (NY)

XXXX declined my block of information without properly verifying the fraudulent accounts. XXXX and TransUnion also failed to follow federal law under 15 USC 1692g. Because of these recurring problems, I have lost confidence in the banking system and have dealt with the hardships of inaccurate reporting. This has damaged my general mode of living and my livelihood. I have not been able to take advantage of consumer credit because of ( XXXX, XXXX, and TransUnion ) willful noncompliance and knowingly violating my consumer rights have stopped me from receiving goods, services, and personal property.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC (GA)

Aldous & Associates bought XXXX debts that were XXXX in my bankruptcy and is trying to collect them. One is for XXXX at XXXX ( XXXX XXXX XXXX part does not matter because it is one single apartment complex. ) The other one is for XXXX XXXX. They also put them on my credit report and ruined my XXXX XXXX. I have tried in the past to tell them that both debts were XXXX. I was hung up on. 

My bankruptcy was filed XX/XX/XXXX and XXXX XX/XX/XXXX. 

This is what they sent me today for one of the accounts, ( XX/XX/XXXX ) " XXXX XXXX XXXX, The credit bureaus have notified us you are claiming the listing on your report from our office is fraud. We wanted to provide you with the information we have on our side : Original Creditor : XXXX XXXX XXXXXXXX XXXX  Date you signed up with XXXXXXXX XXXX XXXX XXXX  : XX/XX/XXXX Date you went past due with XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Date the account was sent to our office : XX/XX/XXXX Balance owing : {$5900.00} ''
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America suddenly closed all ( 4 total ) my personal credit card accounts without any valid reason in XX/XX/2017. I have been a BoA customer for more than 10 years. My FICO score is around XXXX. There is no negative mark on my credit report. I never missed any payment with Bank of America or any other financial institute. The most outrage outrageous act was that BoA confiscated all the rewards points accumulated over the years. At the time of closure, I have around XXXX rewards points with the cash value around {$770.00}.
Consumer complaint received 2024-06-24
Product: Mortgage — FHA 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: Rocket Mortgage, LLC (UT)

I have a XXXXXXXX XXXX mortgage XXXX Rocket Mortgage. My sister had taken residency and took over the payments for a few months. I had moved out of state, my sister said she would be able to handle the payments of {$1100.00} but fell behind. My rent in the place I moved to is {$1400.00} without utilities. I thought I could afford both the mortgage and my rent until she got control of her finances, but sadly I could not afford both. I am somewhat new to credit and don't fully understand it and did not think the XXXX missed payments on my credit would be that big of an issue. But it has caused me quite a hardship with applying for new loans and looking at possible car payments. The XXXX missed payments are in XXXX and XXXXXXXX XXXX XXXX
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

In XX/XX/XXXX I revived a letter stating that I had opened an account with XXXX  and that I had a outstanding bill. ( {$420.00} ) in XX/XX/XXXX I received another letter.

2 accounts in Collections Account Name Original Creditor -XXXX Open Date XX/XX/XXXX Balance- {$420.00} Debt- {$420.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX This is not my account, I have not opened this and I believe i'm a victim of identity theft..
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NY)

Please see attached documents. Discover Breached Contract and a billing error, I filed a " notice claim '' as per " terms and agreement '' with the intent to arbitrate Discover in the near future if things are not handled the appropriate way. I sent out documents via USPS certified tracking there is nine day delay in delivery and Discover still have not received my correspondance from me ( consumer ). I am creating this case through the CFPB channel to expedite the process of Discover receiving correspondance. After the reciept this tranaction through CFPB I am giving 30 days to respond with some sort of solution and remedy. After 30 days if we cant come to some common ground to what I am requesting in my claim notice I will be moving forward with arbitration.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumbeXXXX has violated my rights. Or a 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. 

CREDIT INQUIRIES ON MY TRANSUNION REPORT FOR ACCOUNTS NEVER APPLIED FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX