davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I paid XXXX XXXX in a debt validation program {$450.00} from XXXX to XXXX to get rid of XXXX XXXX  XXXX XXXX of a they were in communication with me for XXXX  years I never heard anything from any creditors until now i received acollection letter from Midland credit management from XXXX XXXX  that i owe {$1600.00} from XXXX and i can not locate XXXX XXXX they have gone out of business I paid over XXXX for there service.
Consumer complaint received 2024-03-22
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. (MD)

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. 

I told Experian, XXXX, and XXXX to reinvestigate the account XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My Mortgage servicing company is Mr Cooper of XXXX Texas. And for the last 5 years, I have been paying them via a direct payment online on a timely basis. All of a sadden, Mr Cooper claims they've not received the last two payments for the month of XX/XX/XXXX and XX/XX/XXXX and started harassing me. I contacted my bank and produced a receipt of the transaction and emailed a copy to the Mr Copper more than once. My mortgage still shows delinquent. I contacted Mr Cooper several times and the issue has not yet resolved. I am concerned that they are really not trying to solve the problem.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

XXXX charged my debit card without being authorized. I disputed the transaction with them and BB & T. My account was negative because of XXXX and BB & TS lack of crediting my account. BB & T then allowed XXXX to debit my account which clearly did not have the money and this was with my debit card the charge should have been denied due to lack of funds! Then BB $ T charged me a 36 dollar overdraft fee! This is appalling with everything going on now for this to be allowed!!! Thieves!!! 
overies for free XXXX Your cancellation is confirmed. 


CANCELLATION CONFIRMATION Your membership : XXXX. XXXX Membership Membership Expiration Date : XX/XX/2020 Confirmation number :
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Experian declared they contacted the company reporting the information an ( unnamed source ) verified the information. 

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy if this is not provided the bankruptcy must be deleted. Pursuant to FCRA, this information must be provided within 15 calendar days, if Experian does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to EXPERIAN, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

It is without dispute FCRA requires the furnisher of the information must ( in
this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX  DISTRICT OF FLORIDA, not a third-party agency to verify disputed information.

Attached is the investigation results of the Experian report and a copy of this document. 

Regards, Mr. XXXX XXXX
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

So Ive been trying to repair my credit I have XXXX helping me. Well I paid {$1.00} to XXXX for my scores and I was looking at ways to improve and there were a few cards with no annual fee it said matched for you based on my score. If I would have known that it was going to decline my application I would have never even tried. It was misleading and I feel that Im trying to fix my credit not make it worse with hard inquiries The XXXX app should not have posted cards to help repair matched based on my scores. Can you please help me
Consumer complaint received 2024-03-24
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (KS)

I paid my Lowe 's credit card in full XX/XX/XXXX, bill due the XXXX. previous balance was XXXX. Paid the XXXX XXXX XXXX XXXXI called an order In. Card was rejected. New card in mail I had XXXX recieved that had a different CVC number so no phone orders could be accepted. I called to find out what was wrong. Lowe 's credit card personnel told me if the new card. Told me to make a purchase I would have to physically go to store and my balance was {$0.00}. And asked if I wanted to increase my limit. .I asked if would pull hard check on credit answer was no. I was approved for an additional XXXX. 
XX/XX/XXXX no card received. I call XXXX XXXX. Still in Mail. Balance due by the XXXX of XXXX is currently {$13.00} XXXX I asked how they could do that and that I wanted this corrected ..I was told it's their policy. I told them that was insane. I asked for a supervisor and they were even more bold stating that's their policy and that as of XXXX XXXX they could charge whatever on whatever. I argued and made analygies to any other bill people receive and asked that the supervisor would like at the bill as a person for just a second and not an employee the tell me it's right ..they didn't ever consider the truth of this bill for Intrest on balance of XXXX
Consumer complaint received 2024-03-21
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. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally file a complaint against XXXX located in XXXX, GA ; XXXX located in XXXXXXXX XXXX  and TRANSUNION located in XXXX, XXXX XXXX has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, XXXX AND TRANSUNION have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-11-21
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)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-11
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (LA)

I am reaching out to request the deletion and removal of the accounts and associated information from my consumer report. I insist that the mentioned accounts and information should not be included in my consumer report, as it constitutes a clear violation of both the FDCPA and FCRA regulations. It is imperative that these accounts and information are promptly eliminated from my consumer report, as their presence violates multiple laws. I urge you to take immediate action to remove these accounts and information.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I asked the credit bureau to identify the accounts reporting, and I was sent a letter stating that everything was accurate. After refreshing my report, I found improper accuracies even after they said that they did a full sweep. 

Here are the accounts : XXXX XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Convergent Accounts listed above, 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 an account without my written instructions.
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IA)

Nationstar Mortgage LLC d/b/a Mr. Cooper acquired my mortgage XXXX XX/XX/year> with the escrow account. They failed to make the required XX/XX/year> property tax payment prompting a notification from the XXXX XXXX XXXX  XXXX that my property would go up for auction for delinquent taxes. XXXX, a representative for Mr Cooper, told me no taxes were due until XXXX, and that my house would not be auctioned off like the letter said.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 3rd complaint that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XX/XX/XXXX
Consumer complaint received 2018-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (MN)

Williams And Fudge has been repeatedly calling my house asking for my wife 's dead mother, XXXX XXXX, who died 13 years ago. XXXX never even lived here, and this is a fishing expedition. We don't appreciate being called by debt collectors and reminded of a relatives death. 

These people have called 3 times now over several weeks. Most recently at XXXX XXXX CDT on XX/XX/2018. Each time we've told her that her mother died, and the length of time. Yet these calls persist. When asked about what the matter was about, the caller wouldn't tell us. I have a recording of this conversation if necessary. 

This woman died 13 years ago. Give it a rest Williams and Fudge.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (VA)

XXXX XXXX XXXX XXXX ; m writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXX ; XXXX alarming to have to go through these things, and the implications for me are profound. 
As outlined in 15 U.S. Code 1681c-2 ( a ) ( b ), your agency has a really important duty UNDER FEDERAL LAW to block information stemming from a identity theft scenario. The requirements are unambiguous : 1. The provision of a valid identity proof of the consumer.

2. A duly filled identity theft report.

3. The identification of questionable entries by the consumer.

4. A declaration from the consumer dissociating them from any transactions related to the said entries.

Further, subsection ( b ) details your responsibilities in terms of swift communication to the entities who furnished the questionable information.

To reiterate, in accordance with FCRA 605B, XXXX XXXX XXXX XXXXXXXX ; ve furnished all necessary documents, reports, and statements to your financial institution. Now, XXXX XXXX XXXX XXXX  ; XXXX your turn to act, and it is long over due. I expect, and the law mandates, that you provide me with evidence of your proactive steps in this matter, including informing relevant parties and placing a block on the questioned information. 
Your inadvertent oversight has already dealt a heavy blow to my financial reputation, causing personal distress and consequential roadblocks in my endeavors. Such transgressions can not be taken lightly, and I urge you to redress this situation without further ado. Failing to act judiciously may leave me with no choice but to seek legal recourse. 
XXXX XXXX XXXX XXXXXXXX ; XXXX paramount to recognize that while your organization wields profound influence over consumers & # XXXX ; lives, this power comes with great responsibility. Our birth certificates and the information they contain, our very identities, should be sacrosanct. 
I await your prompt attention to this pressing matter, but I am not finished.
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (NY)

I noticed there are XXXX inquiries that I never authorized or initiated. I have submitted a dispute previously and I was advised by a supervisor to resubmit with a proof of address. Therefore, I hope this will finally get this matter resolve.
Consumer complaint received 2023-11-21
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)

I am writing to dispute the credit reporting practices of XXXX XXXX  concerning my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : XXXX XXXX has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXXXXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXX XXXX The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting XXXXXXXX XXXX  to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Consumer complaint received 2023-11-21
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. (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.

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 2023-11-21
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was asked for all 3 credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-11-16
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 the accounts stated below has violated my rights : XX/XX/XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXXXX/XX/XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXX 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.