davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (DC)

I Did not receive a debt Validation from the Third Party debt Collection Company or any original documents of the original account. 
Also the opening date of account is wrong, it is listed as XX/XX/XXXX on the XXXX Report, but in the letter it was aquired on XX/XX/XXXX, so apparently this collection agencies has provided conflicting information, please check attachments. However the account was Discharged XXXX  2020, not only the, also when is account is Discharged/ Written-off, it is a Certificate of XXXX, the company was paid and must not be reported on credit report. 

Thank you
Consumer complaint received 2023-04-23
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. (NV)

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX : {$850.00}.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paramount GR Holdings, LLC (AZ)

I have a loan with Goodleap LLC ( formerly Loanpal ) for solar panels on my house. I was terminated from my job in XX/XX/2023, and have been unable to make payments. I have explained the situation to them, given them the contact information of my Wife ( also responsible for the loan by AZ law ), and have requested for them to come collect the solar panels from my house, but they have not responded to those requests. I have made enough payments that the electrical panel upgrade has been paid for ( required for the solar panel installation ), but not enough for the solar panels themselves. 

They contacted my brother, whose contact information I did not give to them. They call, send emails, text messages, daily regarding the loan. Some of the emails have threats of legal action and damage to my credit in the subject line. 

They had sent an email regarding a program that I could use to bring my account up to date for {$70.00}. I paid the {$70.00} on a different email chain which meant that I didnt agree to the program beforehand and therefore didnt receive the benefits.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point whe n Capital One upda ted my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contact ed Capital One to o pen an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would tak e 10  business days for the investigation to be completed.      XXXX   XXXX  I ca lled Capital one back as I had not received a let ter or call back. The woman who answered the phone stated it would tak e 60+ da ys for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still b e 60-90  days before my credit report.     In the mean time my application for my first home will have been declined  due to Capital Ones  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
Consumer complaint received 2023-11-30
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. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
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. (MO)

I sent a letter on XX/XX/XXXX requesting to the XXXX XXXX XXXX to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX  XXXX XXXXXXXX Unpaid Balance {$270.00} XXXX XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$200.00} XXXX XXXXXXXX XXXX XXXX Unpaid Balance {$130.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

I am writing about the dispute of the charge off of my account which I requested verification of the debt pursuant to 15 US Code 1601. I believe the charge-off was inaccurate and violates the Truth in Lending Act. 

I disputed the following : * The total amount of the debt ( {$4000.00}. ) * The interest rate * The repayment Terms I also requested a copy of the following information A copy of the original credit agreement A breakdown of the total amount of the debt A statement indicating whether the debt has been sold or transferred to another party.
Consumer complaint received 2023-04-26
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX THE XXXX AT XXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$340.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge 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: Kikoff Inc. (NC)

The company incorrectly reported that they didn't receive payment. And there is Noone to speak to resolve this issue. I sent emails which a response comes every XXXX  days with no resolutions or follow ups. The payments they received but did not process are XX/XX/2011, XX/XX/XXXX &.
Consumer complaint received 2023-11-30
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. (IL)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to 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 : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

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 XXXX FTC and my Attorney General.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I received a copy of my credit report and found the following item is what i am disputing. 
XXXX. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXX XXXX Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (NY)

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (CA)

I would like Better Mortgage to be investigated for potential fraud, and at a minimum gross mishandling of a refinance. A variety of issues are at play here. 

The company provided me with a loan estimate on XX/XX/XXXX and offered a rate lock so long as I completed the initial steps. However, that rate lock was not offered to me, and Better raised the points necessary for that rate by the time they offered the rate lock, thus preventing me from locking the initial terms offered.

An underwriting agent with Better contacted my home insurance company without my knowledge and demanded that they change the address of my policy. I only found out about this and stopped it because the insurance company reached out to me. 

At closing signing, the completed paperwork was returned to me as the notary had not been provided with a shipping label. This paperwork had been opened by an unknown party and returned to my doorstep through XXXX. 

Furthermore, the terms of my loan changed nearly ten times during the underwriting and closing, including after wiring the funds to close the loan. I was asked to pay further closing costs after signing and wiring funds.
Consumer complaint received 2023-08-29
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. (IL)

I am writing to formally notify TransUnion regarding the presence of inaccurate and unverified information on the consumer report of XXXX XXXX XXXX, identified by Report Number : XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to her financial standing and personal reputation.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was scammed by an individual that I wire transferred {$16000.00} to a foreign country. I was not trained to recognize this. I have never done any wire transfers to anyone let alone to a foreign country and a random company. There were so many red flags for the two transfers but Bank of America never warned me. I have tried to connect with the bank since XX/XX/XXXX to file a fraudulent claim but the fraud department was closed. I then connected with my financial advisor by email. His supervisor called me and asked me to call the fraud department but the fraud department could not verify my identification. I was told to go to the financial building to address this issue but they had no appointments available even they knew the fraudulent transactions. I finally made an appointment to a local Bank of America office today. The agent called the fraud department and was transferred to XXXX different representatives and yet my concerns were never addressed and no claim has been made. Nobody wanted to help.
Consumer complaint received 2023-04-13
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. (LA)

Attached you will find my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncomplianc
Consumer complaint received 2023-11-30
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. (TX)

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX XXXX breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Hello. I received an email from Synchrony regarding my credit card statements for my At Home Insider Perks Mastercard. The email states that starting in XXXX of 2024 they will be charging me a {$1.00} fee to receive paper statements. The only way to avoid the fee is to change to paperless statements. I understand the desire to go paperless however every time I try to access my account information via the At Home app it never works. I get the login page and then it just spins and spins so I can not get to my account information. So I have chosen to keep getting the paper statement. If their app worked as it was supposed to I might choose to go paperless however I still don't feel it is acceptable to charge a fee for choosing to receive your statements on paper. For others who may not have internet or may not be able to use computers or technology very well this could be a major issue and to charge a fee for this seems wrong. 
I have attached a copy of the email I received. 

Thank you very much for your time and consideration.
Consumer complaint received 2024-01-07
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. (GA)

My information was used illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal unauthorized inquiries from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-04-26
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. (CA)

I want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (SC)

Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has ov

er 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. This is the List of companies that did this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ELAN FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX