davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (AZ)

I received a collection letter from XXXX collections. I responded in writing and by phone. I told them the account was not mine and that I never opened an account with the original creditor. I thought the matter was settled. Then XXXX collection 's reported the debt to XXXX XXXX, XXXX and XXXX  credit agencies. This has negatively affected my credit score!
Consumer complaint received 2024-03-13
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. (IL)

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

I HAVE TOLD XXXX & EQUIFAX THIS ACCOUNT IS PAST ITS 7 YEAR EXPIRATION DATE & THAT THEY'RE IN CLEAR VIOLATION OF THE FCRA LAWS. BOTH REFUSE TO REMOVE IT & DECLINE TO DO ANYTHING ABOUT IT BUT LIE TO THE CFPB TELLING THEM THEY CHECKED W/THE CREDITOR. THE CREDITOR HAS NOTHING TO DO WITH THIS BUT THEY DO NOW AS I INVOLVED THEM VIA THE XXXX & WILL INCLUDE THE FTC IN THIS EFFORT IF NEED BE. SEE ALL ATTACHED. AS YOU CAN SEE THE FTC SUED THIS LENDER FOR ILLEGAL LENDING PRACTICES JUST LAST YEAR! I'M CALLING THEM ON MONDAY TO LET THEM KNOW THAT I TOO WAS A CUSTOMER & SHOULD BE ADDED TO THIS SUIT. I PLAN TO LET THE FTC KNOW THAT THE BUREAUS ARE REFUSING TO REMOVE STALE DATED INFO FOR THIS CREDITOR FROM CREDIT REPORTS. THE FTC WILL CONTACT THE CFPB & THAT COULD INITIATE ANOTHER LAW SUIT AGAINST THE LENDER & BUREAUS! YOU'RE THE ONLY 2 STILL REPORTING THIS STALE ACCOUNT. CFPB JUST SUED XXXX XXXX FOR THEIR POOR QUALITY CREDIT PRACTICES. YOU SHOULD BOTH BE NEXT!!!
Consumer complaint received 2018-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

This is a follow up to my last complaint as nothing has gotten resolved. CMS and their lawyers XXXX XXXX XXXX continue to ignore and or not communicate with my lawyer. To date they have accused myself and my ex husband of fraud, yet have not stated what kind of fraud or provided any proof to my lawyer or the court. Yet they have now closed my case, cont to ruin my credit and are going to take my house. Their rep did respond to my complaint but unfortunately did not bother to read it as seen in their response. I have since found out that their lawyers, XXXX XXXX XXXX are being accused of defrauding their clients, which is probably why we dont hear from them
Consumer complaint received 2023-09-01
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. (MI)

It is customary and a precedence as well as consumer reporting practice to notate when an account is in dispute. This account was not notated as such, therefore mandating a removal of the account.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (MI)

In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a 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. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DC)

I have recently sold a used phone on a platform on XXXX XXXX XXXX XXXX  on XX/XX/2023. The total amount was {$1000.00} due to me via PayPal. 

PayPal flagged my entire account on XX/XX/2023, saying that it required " more information about my business ''. They have asked me to upload a copy of my id, where I get my " stock '' from with receipts, where I store my " stock '', and how my business works. I have promptly sent in all the documents by XX/XX/2023. I have also included the shipping information for the item, as requested. 

On XX/XX/2023, just within XXXX hours, they have decided that my account was in violation of their terms and services, without any explanation on why that is or any proof that I have violated any of their listed banned activities. 

I have tried emailing them through multiple email address, tried calling them, and tried using their own website to " resolve '' this issue, but it seems as though they want to keep my money for 180 days or longer, if ever.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Kohl 's Capone {$630.00} XX/XX/2016 7 years and 3 months. They also continue to report to all three credit bureaus even though it's past 7 years old! I've repeatedly written letters to credit bureaus. This is a charge off
Consumer complaint received 2023-10-15
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. (MS)

Filed multiple disputes and requests to XXXX XXXX for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also XXXX XXXX with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( Complaint # XXXX ) which XXXX XXXX ignored and this complaint was sent to the FTC.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation (WA)

MERCHANTS CREDIT {$190.00} and 441 Original Creditor XXXX XXXX XXXX Opened Date XX/XX/2019 Creditor Contact Details MERCHANTS CREDIT XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-15
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: HEAD MERCANTILE CO., INC. (MS)

Filed multiple disputes and requests to HMC Group for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also SOS Group with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( XXXX XXXX XXXX XXXX  which SOS Group ignored and this complaint was sent to the FTC.
Consumer complaint received 2023-10-15
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. (MD)

The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including Equifax, XXXX, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I was looking over my credit report recently and found a bankruptcy and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 


XXXX XXXX  BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

According to the FCRA : I may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2023-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (FL)

XXXX XXXX XXXX XXXX  wired a partial payment {$1400.00} to Flagstar bank on XX/XX/2023, to be applied to my XX/XX/2023, mortgage payment. The payment has yet to be applied and is currently NOT in a suspense account. An additional {$180.00} was paid by me on XX/XX/2023. This brings the total amount to {$1600.00} to cover XXXX 's mortgage in full. Flagstar Bank Acknowledges that they received both payments, yet they are sitting on the funds. Flagstar Bank demands mortgage payments be received by the XXXX of every month, yet they won't apply/process payments received before the XXXX.
Consumer complaint received 2023-09-19
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. (CA)

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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, and XXXX  to reinvestigate these account.

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

DISCOVER BANK DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, DISCOVER BANK DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, MISSIONLNTAB DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (OH)

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2020-04-08
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. (FL)

I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " XXXX XXXX XXXX  XXXX / XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from 2009 and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my account {$270.00} Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-10-15
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. (OR)

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 2023-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC (SC)

I received a summons and complaint about a debt that I owed to XXXX XXXX  on a XXXX credit card. I called them and they didnt negotiate so I agreed to a payment agreement. Less than a week later, I get another summons and complaint stating they are going to try to sue me for a different acct owed to XXXX XXXX for an unpaid loan. How many times can I get sued by the same attorney, Scott and associates and same attorney.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX has been calling me to collect a debt this was a debt from about five years ago but I reported the card stolen at that time. One of the very first times they called they said that it was verified that it was not my debt to pay, so they sent papers to the house I used to live in another state I never got those papers. I've been disputing the issue for about 3 months with the credit bureau. They recently called and said they verified everything and that all I need to fax them is a copy of a fraud report so I can have evidence on file.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

i submitted disputes with Equifax on XX/XX/2023 for unauthorized hard inquiries that i think someone was trying to establish credit in my name. The investigation was completed today XX/XX/2023 without a reasonable investigation. According to FCRA legally these unverified & unauthorized items Must be removed. I directly dispute the completeness and or accuracy of information contained in my consumer file. As per FCRA there here to reinvestigate is an intentional and/or negligent FCRA XXXX talked to the fraud dept to resolve these issues as wel as placing a fraud alert & freeze on my credit reports.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XXXX XXXX XXXX my paycheck was deposited and with in minutes someone hacked my account and stole all my money that had been deposited.. I was driving down the road and pulled over in a parking lot frantic and called chime which I filed a dispute with. Within a few hours they came back and said they were allowing the transaction to go through and they found nothing suspicious! Ive never heard of th person who took my money and if they would look through my history they would see that but no they denied it and the dispute I filed the next day they denied and then denied the rebuttal against the disputes all within a few hours!!! Usually they take their time looking into the disputes but this one they have denied me 3 times and I dont understand!!! Ive been a customer for years and they have always stopped suspicious activity but they let someone take my whole paycheck without even wondering why like its ok??? Im so upset, Ive cried since XXXX and I dont know what Im going to do!! Please help
Consumer complaint received 2023-10-15
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: Experian Information Solutions Inc. (MD)

The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including XXXX, XXXX, and Experian, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I was looking over my credit report recently and found a bankruptcy and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 


XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

According to the FCRA : I may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.