davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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. (GA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

THIS ACCOUNT IS REPORTING INACCURATELY. THEY MISSED 2 MONTHS OF REPORTING. THEY OBVIOUSLY DID NOT HAVE THE RIGHT INFORMATION, SO THEY PUT NOTHING AT ALL. I AM ALSO NOT 120 DAYS LATE IN XX/XX/2021. THIS REQUIRES IMMEDIATE CORRECTION
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I sent out two letters to the department of educationXXXX and credit bureaus to provide verification that its my debt with my signature on XX/XX/2023 and XX/XX/2023 the company never sent the verification and credit bureaus did not respond either with proof. they put this on my credit without notifying me before hand and altered my credit score
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (CT)

I received in the mail on Monday, XX/XX/2018 a letter from the aformentioned company as an attempt to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and gave statement of alleged amount owed and payment options available. Their 30 day window to verify the validity of the debt was already closed before I even received the letter at my residence. This is not a debt I recognize. I also do not believe they are licensed to collect in the state of Connecticut. This account has also appeared on my credit report as a collection due to this lapse. These are evasive and aggressive tactics that I will not tolerate as a consumer.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (VA)

I was illegally foreclosured on in XXXX of 2019 by Wells Fargo. Accout # XXXX I have not receive information about the remediation I hired a lawyer, we failed in stopping the foreclosure. Took them back to court to overturn the decision. Failed ended up settling with the bank, lost over $ XXXX in equity. 

Did not receive my full payment for last portion of settlement. Disputed this and in court they only agreed to give me half if the amount
Consumer complaint received 2023-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (GA)

I have tried to contact the company for days and they will not answer. They state that they are open during specific business hours and they when you call, they say they are closed. They have been " closed for a data breach '' for weeks.
Consumer complaint received 2023-12-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (CO)

On XXXX I applied for a loan through Avant to consolidate some debt. During the application process I was required to provide my bank account information, presumably to pay the installments of the loan. I was denied the loan and, on the same day, I submitted a request to XXXX to delete my account. 

On XXXX I was responded to saying that Avant could not delete my personal information because the information is subject to the XXXX XXXX XXXX. I responded the same day asking if my bank account information is included in that, as it is the information I would actually like deleted from the platform. 

On XXXX I received a generic response to my previous question that they are sorry for my negative experience and that any additional questions should be directed to XXXX for more help. 

On XXXX I contacted XXXX and stated that, while I understand some of my information must be retained for compliance reasons, why could my bank account not be deleted? 

On XXXX the resolutions department responded to me stating that " all information we gather is used only in accordance with our privacy policy '' and linked me to the policy and told me to read it carefully to understand what they do and what information is shared. 

On XXXX I responded, after reading through the policy, stating that I don't see anything about collecting and using my bank account information. I also asked, since I do not have a credit product from Avant, what is the basis for refusing to delete my bank account from their system? I linked a quote from their privacy policy asking for them to elaborate on it, if it potentially includes the bank account information. 

I have not received a response since. I have asked for follow-up on XXXX and again on XXXX. I contacted XXXX on XXXX specifically asking them to delete my bank account information, figuring perhaps asking them to delete my account was too much. I received the EXACT same response I received on XXXX. I replied that I have reviewed the legislation ( to the best of my ability ) and the linked Avant policy but could not find why they would keep my bank account information. 

I have not received a response. At this moment I do not have much hope this company will respond to me and answer my questions. The question of why and where is the bank account included in the information they must retain for their legal and compliance purposes has gone unanswered. If they can not delete it, fine, but no one will give me a sufficient answer, just generic copy-paste responses or links to policies that do not answer my question.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

XXXX XXXX XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX  customer service. 

XXXXXXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. 

I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.
Consumer complaint received 2018-11-20
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. (WI)

To whom it may concern, I called Experian credit reporting agency on XX/XX/2018 and spoke with a XXXX, regarding my some items on my credit report. I gave Ms. XXXX all the information she requested to verify who I was, she asked what I calling about and when I asked if it was right for them to still show late payments on accounts that were no longer open she became very nasty and rude this is not the first time I have encounter this Repensentive and she was the same way. I work with the public every day and that is no way to talk to someone when I never raised my voice or said anything to her that would cause her to speak to me in that matter. Thank you XXXX XXXX
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

I would like for Experian to removed XXXX XXXX XXXX off my credit report because earlier I filed a dispute and they have failed to provide a proof of validation of debt. They verified the account but there was never a proof of debt validation send to me. I disputed the same account on XXXX  and it was deleted from my credit report. I would like for Experian to do the same.
Consumer complaint received 2023-12-07
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. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

I told XXXX, Transunion, and XXXX to reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights.

They stated that everything was correct and accurate.

This is not possible as there are multiple discrepancies with each account. Some of these accounts were paid in full. Some were opened and closed on improper dates. Missed payments that were not missed, etc.

Illegally shared payment history and personal information with debt buyer companies.

I have listed all applicable laws below that these companies broke : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy 15 U.S.C 1681 Section 604 ( A ) ( 2 ). States that a consumer reporting agency can not furnish a account without my written instructions and consent.

15 U.S.C 1681 Section ( A ) ( 5 ) States that 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. 1681 Section ( 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 2023-12-07
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
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 am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (CA)

On XX/XX/2018, I received a letter from US Bank stating they investigated a late payment they reported on my credit report, but in the report they made a false statement stating they had a phone call recording in which I admitted the error was my fault and that they called me. US Bank in no way ever contacted me directly. Every time I had contact with them it was me calling to figure out the issue. I want a full investigation into this and I want all phone calls I ever made to be released because I feel I am being harassed by this company when all I want is for them to remove an unfair late payment from my account that they caused by not sending me notice my account was ever late. 

Refer back to complaint XXXX.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm writing to express how deeply annoyed and dissatisfied I am with the way your bureau has handled my complaints about identity theft. I have tried numerous times to fix this problem, but I have never received a satisfactory response or action from you. 

I was the victim of identity theft, and because of the unauthorized accounts and transactions that showed up on my credit report, I had to deal with a lot of emotional and financial difficulties. I reported these fraudulent acts to your bureau, and in order to prove my innocence and support my assertions, I sent all the required paperwork along with thorough explanations. 

But, a very long time has passed since I first brought up these issues, and I still haven't received a satisfactory answer or resolution. In addition to causing me a great deal of stress, this delay has had real detrimental effects on my financial security. Because of errors on my credit report, I have had my credit applications denied, my interest rates increased, and I have been harassed by debt collectors nonstop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your agency to investigate my identity theft complaints thoroughly and promptly. I demand that you give my case top priority, look into this matter thoroughly, and get rid of the bogus accounts and activities from my credit record as soon as possible. I also want regular information on the status of my claim and a well-defined deadline for its conclusion. 

I think it is my right as a customer to have my complaints taken seriously and swiftly addressed. I'm ready to seek legal advice and take this issue up with the relevant regulatory bodies if your bureau doesn't respond satisfactorily in a fair amount of time. I want to make sure that justice is done.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NC)

In XX/XX/XXXX I took out a {$600.00} loan with Lakeshore Loans. I understood when we spoke on the phone that my monthly payments would be {$160.00} and that I would need to pay them on my pay day every month. Well I have now paid off this loan and then some and they are still saying that I owe them {$1000.00}!! So I have paid them over {$600.00} and yet my balance right now is MORE than the amount I borrowed!? I have looked and looked in my online files and I can not find my interest rate or terms, which means I never received a truth in lending document at all. Something shady is going on for me to own them this much after I have already paid back this loan.
Consumer complaint received 2023-12-07
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. (FL)

I recently tried to apply for a home loan but I was denied. After obtaining a copy of my credit report, there are some major issues that need to be addressed. I found the following accounts to be in error and would like them updated/deleted : XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX  - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX  - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
I would greatly appreciate your prompt time and attention to this matter. 
Thank you, XXXX XXXX