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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balanced owed to this original creditor. Where is the information coming from?
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CT)

DEFAMATION OF CHARACTER To whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your company which I came to know about on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined. 

Pursuant to my rights as a consumer, I'm asking your company to provide proof of an agreement you have which states I am obligated to make any payments to your company with my signature. Proof of the agreement can not be a pile of statements received from the creditor that I was credited for the alleged transaction. 

Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Therefore I NEED ACTUAL AGREEMENTS.

Pursuant to 15 USC 1692j ( b ) any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter i.e. {$1000.00} ( XXXX XXXX Dollars ) Therefore pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. Any further contact by your company, except a communication by mail confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ) FAILURE TO ACCEPT MY REQUEST WITHIN 15 DAYS WILL LEAD TO A LAWSUIT COMMENCED XXXX YOUR COMPANY. 

Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I ran my credit report and noticed I had a collections on my account. I looked further into how I got the collections and the collections is from national credit system from XXXX XXXX at XXXX XXXX. I have proof that I do not owe anything to XXXX XXXX  at XXXX XXXX. I paid in full the amount I owed to them. on XX/XX/23. I need this collections removed from my file
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP ()

I am an account holder with US BANK. My account number is : XXXX I had an issue with several transactions, primarily ATM withdrawals that did not dispense properly and two transactions that were paid with cash. I filed proper disputes for the transactions within the designated time frame and faxed and provided evidence showing these funds were not returned to me. After some time, these temporary credits were reversed, leaving my account negative. I spoke with XXXX XXXX and her supervisor in order to solve the issue. I was told to provide documentation showing these funds were taken back from me, which I did. Nothing was done by the bank. When I was contacted by claims most recently, I was told the documentation could not be used because the monetary amounts did not match. The representative did not realize that the currency locally is PLN and not USD which is why my notes show PLN and the numbers need to be converted to USD. 

XXXX XXXX Claim Documents CLAIM - XXXX Claim XXXX {$100.00} Claim XXXX {$200.00} ATM Withdrawal Claims : XXXXXXXX XXXX ( {$770.00} USD ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$510.00} XXXX ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$280.00} XXXX ) on XX/XX/XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX ( {$250.00} XXXX ) on XX/XX/XXXX - XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-02-17
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-01-25
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. (GA)

On XX/XX/XXXX, I filed a dispute with Equifax against XXXX XXXX based on a loan document of mine - an amortization schedule I printed from my online account with XXXX XXXX that states a 79-month loan term as opposed to XXXX XXXX XXXX XXXX and credit reporting of a 78-month loan term that was originally a 72-month loan term and extended to a 78-month loan term after XXXX XXXX claimed six payment extensions that were added to the end of my account with one of the six payment extensions accidentally given to me while I claim that seven payment extensions were given to me -that would have given me a 79-month loan term -were granted to me but because XXXX XXXX disputes that seven payment extensions were granted to me- inaccurate credit reporting of negative information on my payment history was reported and as a result sabotaged my credit scores and continues to harm my credit score. Yet, even as XXXX continuously sends out documents claiming that the term of the loan is 78-months, they also produced a document claiming that the loan term is 79-months - of which again- is the amortization schedule I provided to Equifax and even in an online dispute with the CFPB that XXXX did not address the amortization schedule in their reply to that complaint. Equifax has also seemingly ignored the amortization schedule that came from XXXX and not me that clearly states a 79-month loan term- in favor of XXXX 's printout of another document that appears to have been given on XX/XX/XXXX, that claims a 78-month loan term, of which is the resolution of the dispute date given by Equifax. However, I have screenshots of my account as of today where XXXX states my loan is for a 79-month term and was not changed even as XXXX updated the account on XX/XX/XXXX. This is completely unfair to that XXXX can print any letter or create any document in their favor for the 78-month loan term -even as they continue to claim that I have 79-month loan term on my account- and that information is chosen over the documents and evidence of XXXX 's continued reporting on my personal account of a 79-month loan term. This is also even as XXXX has admitted to processing errors on my account that they resolved as what was best for them - even though they previously missed that processing error after claiming to conduct careful reviews of my account for previous disputes over the same inaccurate reporting of late payments on my credit reports and did not find until after I complained about the conflicting numbers of payment extensions that XXXX had given me of which had missed XX/XX/XXXX as one of the payment extensions granted when XXXX claimed it had only given me XXXX payment extension in the year of XXXX for the month of XXXX when I contended and still contend that XXXX XXXX had given me three payment extensions for the year of XXXX.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I had a credit card XXXX  that was opened on XX/XX/2022 and in perfect standing. It was removed from the report and my score dropped over 100 points. I cant get an XXXX from anyone at the bureau.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (PA)

Throughout my history with this account, I've consistently maintained timely payments, avoiding any instances of overdue payments. I find myself puzzled by the presence of late payment remarks on my accounts, and I believe they should be rectified according to the guidelines outlined in 15 USC 1666b regarding billing errors.
Consumer complaint received 2022-12-23
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. (TX)

I submitted a dispute online and XXXX and Equifax supposedly investigated the issue and it came back as a valid debt. It is not and if they properly investigated with the information below and attachments I submitted they would see it's not a proper debt and needs to be removed from my credit report. 


We moved out of our apartment ( XXXX XXXX XXXX ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.
Consumer complaint received 2016-01-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Nationstar Mortgage took out my mortgage payment twice this month. My bank stopped payment on the second mortgage payment which had the same draft data as the first payment. I called Nationstar to notify them of the error and the next day they took the money out again. So my bank covered the funds and removed overdraft fees so the bills i was paying with the funds that Nationstar took out of my account could be paid ( things like electric bill and credit card payments ). Called Nationstar again ( this was before a big snowstorm that would have left me in the red with no funds for supplies ) and they admitted their error and paid back the second mortgage payment funds. My bank then took out their temporary coverage but I am still cleaning up the mess Nationstar made of my finances. I suppose I should consider myself lucky considering what some on this web site have endured. I am so sorry for you and empathize deeply. Doing business via XXXX XXXX is not the way to run a business. BTW my mortgage was first owned by XXXX, then sold to XXXX, which refused a refi after many attempts via federal HAMP program ( 3 years process, lost paperwork-so they say -- numerous times, many different agents, started over and over again ), then sold to Nationstar.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, 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)

This company has violated law 15 U.S. Code 1681b - Permissible purposes of consumer reports. The company shows as reporting to my credit on XX/XX/2022. 

XXXX XXXX XXXX XXXX has reported information without my permission.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (SD)

I opened a account with Ally Bank in XX/XX/year>. Soon after opening this account I began to gamble online not knowing this was against the law in not only my jurisdiction, but on a federal level as well. When I found out that this was definitely illegal, and there is alot of information saying it is not illegal out there, I began investigating the charges to find out if they should have been blocked by Ally Bank. From the XXXX codes that I could get it looks like these transactions shouldn't have been allowed to go through. The most common code that seems to be popping up is XXXX which is used for digital goods, specifically games, and transactions involving skilled game wagering. There is no online wagering permitted in the state of South Dakota. Because of all of these disputes, and there are quite a few, Ally Bank decided to close my account. I was not sent a notice saying it would be closed, I was told over the phone on XX/XX/XXXX that my account would close on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX they told me there was no reason to believe my account would be closed. I tried to make arrangements to pay some payments that needed to be paid because I believed there was still going to be an issue. I purchased auto insurance on the XXXX of XXXX. A payment for XXXX was presented to Ally Bank for payment on the XXXX and it went through. XXXX sent me my receipt on the XXXX in an email along with my ID cards. Then on XX/XX/XXXX the day my account actually did close I also got a email from XXXX saying my payment did not go through due to account closure. I had sufficient funds, and the payment went through but somehow Ally yanked it back. Same with my XXXX XXXX Bank payment. Funds were released on that card as well as my XXXX Bank XXXX. Both payments for those went through and then on the XXXX of XXXX I was sent a notice from XXXX that the payment was returned with account closure as the reason. XX/XX/XXXX I made a payment for XXXX, and XXXX which went through to XXXX, and then I was sent a notice on the XXXX that it failed. All of these disputes I had to file are not my fault and if Ally Bank had been doing their job this would have never happened. I don't believe I should be penalized for their errors.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (PA)

I have consistently made sure payments are on time for this account, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (MT)

Dear CFPB, It has come to my attention that there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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. (IL)

Sent letter to Equifax received XX/XX/21 regarding bankruptcy reporting in there files and requested method of verification and Equifax responded on XX/XX/21 with file # XXXX stated bankruptcy was verified by XXXX. Appalled by this, I contacted XXXX directly to verify the bankruptcy and during there investigation, they couldn't verify the information and as of XX/XX/21 have deleted and removed the inaccurate unverified information from there file. I sent those results of the investigation by XXXX that the bankruptcy was unverified and inaccurate and remove the information from there files. Sent those results to Equifax received on XX/XX/21 and responded with file # XXXX still referencing the bankruptcy and again on XX/XX/21 with file # XXXX stating the bankruptcy was VERIFIED as accurate. How can Equifax verify that report that the data furnisher has removed from there file since XX/XX/21? Anything verified after XX/XX/21 show come back unverified and should be deleted from there file. Either Equifax lied about verifying the bankruptcy or never sent the request to XXXX to verify the bankruptcy was unverified and inaccurate, and has been removed from there files.
Consumer complaint received 2023-11-03
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. (AZ)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2024-04-01
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. (MI)

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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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.