davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My rights were violated for 3 years by this reporting agency, which failed to cease negative credit reporting under the Heroes Act of XXXX. The Heroes Act provided protections against such reporting during the duration of the Nationally declared disaster, COVID-19 Pandemic ( XX/XX/XXXX - XX/XX/XXXX ). 
The Heroes Act expanded relief during the pandemic and the FDIC, OCC, and Federal Reserve identified ways to assist struggling consumers such as myself, through repayment accommodations. Accommodation included : Extending payment due dates, deferments, and forbearance, none of which was offered to me. I should have not only received protection from negative reporting plus ( +120 ) days but offered a chance to repay past due balances in equal payments. For debts greater than {$5000.00}, I should have received a 36-month repayment term but instead have seen complete sabotage to my credit history.

I agreed to settle just for the sake of avoiding debt collectors who called me everyday until payment was received, which was also a suspended practice. Every creditor with negative payment remarks and reporting in my credit file was in direct violation of my rights and this Credit Bureau assisted them in doing so. The negligence has cost me my financial standing and peace of mind. I am not a representative of a credit repair agency, I do not dispute that the accounts belong to me, I am simply an upset consumer appalled by the mismanagement of information and influence during such a dark period in my life. 
I have attempted to resolve this issue at the lowest level possible. Rather than meaningful results, I am faced with intimidating language about the FCRAs rules on Legitimate disputes, a fluffy response that has nothing to do with my claim, or a you are a credit repair agency because there is no way this retired veteran could possibly know how to research legal topics. It is unfortunate that all this Bureau must do is type jargon and it suffices as a real response, case closed by the CFPB. I will not let this error continue. I want one of the options proposed as a solution selected and typed in a response. This way I can confirm I am not speaking to an autobot, which is the tone of all responses coming from the bureau.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have connected Experian on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. Experian has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual. 

Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted Experian over 5 times within the year XXXX and informed them this information is inaccurate and not me and Experian told me they would remove it. 

Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted Experian over 5 times within the year XXXX and informed them this information is inaccurate and not me and Experian told me they would remove it. 

XXXX XXXX XXXX is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is reporting multiple times on my credit report. It is reporting as XXXXXXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted Experian and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report. 

XXXX XXXX  In XXXX XXXX has been in a repossession class action lawsuit and I would like this removed off my credit report.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Solar Mosaic LLC (FL)

This company is reporting a {$16000.00} loan for solar panels I never purchased. I have called this company multiple times to further investigate this matter, and they have an account open In my name but no contract with my signature authorizing the agreement.

I did buy solar but with another company. This company should not be reporting any information to my credit report as I have no relationship with this company. This inaccurate reporting has harmed my ability to get lending with other creditors. 

I need this inaccurate information removed immediately. I will also need compensation for the damages caused by SOLAR MOSAIC LLC.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (TX)

Hundai Motor Finance tarnished my credit in spite of me paying off the loan. I have made numerous attempts to clear and dispute the error but have not received any response. I also disputed with credit bureaus all XXXX and they said to contact the creditor. I am attaching the letter Hundai sent me showing I paid off my loan. This has been affecting my credit since 2019 and recently when I applied for a new vehicle recently and they mentioned hundai!. It continues to come up on my credit report and I have evidence from Hyundai document, see attached form. I sent that letter to credit bureaus and hyundai several times and nothing. 
Hope you can help. 

Thank you!
Consumer complaint received 2023-11-08
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. (NC)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-12-06
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. (RI)

XXXX XXXX XXXX- I went in to trade a car and XXXX seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (GA)

Was incorrect charged {$510.00} by XXXX regions bank only returned {$130.00} and charged me an overdraft fee of {$36.00}
Consumer complaint received 2023-05-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. (NC)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I get paid via direct deposit every XXXX weeks on XXXX  morning. Because of this I always schedule my payments the Thursday before so they will come out when my paycheck arrives. This last pay period I got my day of the week confused and set up my payments on Tuesday XX/XX/XXXX and every payment tried to come out on the XXXX. There was no money in my account at this point so every transaction was declined even though I have my account set up for overdraft services. Bethpage Federal Credit Union charged me XXXX fees of {$30.00} each and did not cover a single transaction. The total amount came out to {$450.00} initially. That is a third of my paycheck. I had to call twice and visit a local branch. At first they refused to give back any fees and finally someone on the phone told me he was giving back 3 fees and that their manager would give back another 3. The manager did not do that so I called again and was told it was my fault but eventually 3 more fees were returned. Finally, at the branch the desk lady gave me XXXX more making a total of XX/XX/XXXX fees returned. I explained that I am living paycheck to paycheck and can't afford this to happen. They refused to give me the final XXXX fees back and lectured me about how fees work. I don't see why BFCU is allowed to keep any money for declined transactions without covering any of them. To top it off I also got more fees today because two of the payments I sent out were retried even though I sent out payments once my check really did come in. So as of right now assuming nothing changes Bethpage Federal Credit Union kept {$240.00} out of {$510.00} in NSF fees for bill payments that did not get paid because they declined them despite me being opted-in to overdraft services.
Consumer complaint received 2018-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I purchased this home approx 10 years ago and was initially required to pay PMI because of the low down payment I made. Now, the LTV is approx 65-68 % and the company ( Mr Cooper ) is fraudulently refusing to discontinue the PMI deductions. In fact, the LTV Passed the 80 % mark several years ago so Mr Cooper has  illegally taken my money for quite some time. When I tried to get them to fix this they made up facts and tried to tell me I should refinance with them using their streamlined process and that if I agreed to refinance with them theyd see what they could do about the PMI. They also told me there had been no recent sales in the area ( this is absolutely untrue ) - This all sort of sounds like extortion to me. There have been several homes sold in the neighborhood, some that they have services the loans for, so they know the truth and yet they still take the PMI.
Consumer complaint received 2023-11-08
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. (CA)

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. XXXX. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account Number : # XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  / Account # XXXX. Violated my rights.
Consumer complaint received 2023-05-09
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. (MI)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Hello, I Disputed XXXX inquiries on XX/XX/2023. Due to a failure to respond within a XXXX  day period as the FCRA states. I would like for the inquiries to be deleted from my consumer report. 

Below are the accounts that were disputed : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

XXXX XXXX {$35000.00} was charged on my Home Depot / Citi Bank credit card at the Home Depot store in XXXX XXXX XXXX. I live in XXXX XXXX and shop in the XXXX store. It looks like washing machine and some sort of straps were purchased. I did not make nor have any knowledge of this purchase. I called their fraud department and started a fraud investigation. About a month later they sent me a letter stating that I made the purchase and had to pay. No explanation! I called again and they sent me to their security department. They asked me a few questions and stated that the investigation could take up to 90 days. On XXXX XXXX I received the same letter stating that their investigation shows that I made the purchase and had to pay. Again no explanation! I have not called them again because the people I speek with do not help. I asked them to block my card and to not send me another one. They sent me another anyway and somebody tried to use that one. Any help you could provide will greatly appreciated. 
Thank You
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Despite ample evidence of violations presented, Experian has opted not to remove the debt, despite no changes being made to the report. Experian Violations : XXXX. Failure to Provide Comprehensive Verification ( Code : XXXX ) : Experian neglected to conduct a reasonable reinvestigation within the mandated timeframe, as demonstrated by insufficient documentation from XXXX XXXX XXXX. This breaches FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. Delay in Responding ( Code : XXXX ) : Experian failed to respond within a reasonable period despite receipt of my letter dated XX/XX/2024, thereby violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field XXXX. XXXX XXXX XXXX Violations : XXXX. Failure to Provide Comprehensive Verification ( Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  documentation inadequately links the debt to me, contravening FCRA Section 611 ( a ) ( 1 ) ( B ) and the Metro 2 standard, Field XXXX. XXXX. Neglecting to Address Dispute ( Code : XXXX XXXX XXXX XXXX XXXX XXXX failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard. 3. Shifting Burden of Proof to Consumer ( Code : XXXX XXXX XXXX XXXX XXXX Credit wrongly shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart.
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation (FL)

XXXX XXXX XXXX  enlisted Telerecovery to pursue a debt years after I moved out, and I had no payment owed to them at the time of move out. I reached out to ask for proof of this debt and have been provided with none. I have repeatedly tried for 4 months to dispute it, but they keep re-adding the debt and increasing the amount owed. 

I have emails from XXXX XXXXXXXX demonstrating that they received their last payments at the time of lease termination, so there is a XXXX balance at move out. 

Telerecovery 's information is listed as : XXXX XXXX XXXX XXXXXXXX, LA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Check Recovery Bureau, Inc. (DC)

I have already paid off the debt for XXXX XXXX XXXX ending in XXXX through XXXX XXXX XXXX debt collections. I have received and attached an email from them stating that the debt was paid in full with their reference number XXXX. Two additional debt collection companies, XXXX XXXX XXXX ( reference number XXXX ) is attempting to collect the debt for the same card ending in XXXX, as well as United Check Recovery Bureau ( reference number XXXX ). I have realized that I have been paying UCRB for the same debt that was already paid off with XXXX XXXX XXXX. To date, I have paid United Check Recovery Bureau {$330.00} in the amount of XXXX biweekly payments so far, as I did not realize this was the same debt that had already been paid to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX and UCRB via their online portals regarding validation of the debt and have not received a response from either of them.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (TX)

Company has been on my credit record for several months. I have disputed it and have file claim of identity theft on several other occasions this being one of them they have not provided any documentation I am getting constant emails. Constant letter sent to my house and now my kids are starting to get a phone calls from them. My kids are XXXX. I have told them to stop calling repeatedly, and they have threatened to sue and to take me to court, without verifying the debt