davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX   XXXX    does not allow for automatic online payments so I had a payment amount set through my bank that was well above the minimum payment due. This has been going on since    XXXX   XXXX     . Much to my surprise I received a letter from   XXXX   XXXX    advising me that I had not been making my minimum payment and was now in arrears {$390.00}. I was shocked. I received no information from the bank. I have since been contacting them to correct this matter without any success. I have been told I am too "  XXXX  '' to use their website. I have been belittled because my "  XXXX  '' culture makes it impossible for "   XXXX   '' to understand me so she started yelling at me and hung up on me. I am trying to find a way to set up my payments so they are paid automatically and I dont end up getting assessed unreasonable fees. I believe this practice is intentional. They now claim they can increase my payment to 5 % because I failed to make the minimum payments despite that I was making the same payments every month but they never contacted me to advise me I was not meeting the minimum payments. Again 5th Third Bank does not offer online auto pay like every other bank does. I have been given incorrect information and continue to be assessed horrific fees because they will not tell me how to remedy the solution. I also think it would be respectable to advise  XXXX  that we are not welcome in your bank - its just the right thing to do. They offer no bill pay, will not promise to send you statements electronically or otherwise _  XXXX  says its all in the fine print.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, Account name : XXXX  XXXX # XXXX, Account name : USBK Court XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 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 XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (GA)

I have 10 Inquiries that I do not know about it did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I know nothing about these anchors and I would like for them to be removed. Please thank you
Consumer complaint received 2023-08-12
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters , LLC Subject : Cease and Desist Communication Dear Sir/Madam, I am writing to formally demand that National Credit Adjusters , LLC ( hereinafter referred to as " NCA '' ) immediately cease and desist any further communication with me in relation to the reference number XXXX. Failure to comply with this request will be considered an acceptance of XXXX XXXX XXXX Terms and Conditions. 

I would like to bring to your attention that, as of [ Sun, XXXX ], there is no existing contract or agreement between myself and NCA . Therefore, any attempt to contact me or pursue any form of collection or legal action without a valid contract or legal basis is a violation of my rights.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all communication with me regarding this matter. Pursuant to this right, I hereby demand that NCA immediately discontinue all communication with me, including but not limited to phone calls, letters, emails, text messages, and any other form of communication. 

Furthermore, I insist that NCA cease and desist any actions that may negatively affect my credit rating or reputation. This includes reporting any inaccurate or misleading information to credit reporting agencies or engaging in any other activity that violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Please be aware that any further communication from NCA in relation to the reference number mentioned above will be considered a willful violation of my rights. Such violations may result in legal action being pursued against NCA, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and seeking damages under the FDCPA and other applicable laws. 

I expect a written confirmation within ten ( 10 ) days of receiving this letter, acknowledging your receipt of this cease and desist request and your commitment to comply with its terms. Failure to respond or comply will be considered evidence of your refusal to adhere to the law. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to ensure compliance with this cease and desist request. Any future communication from NCA in relation to the reference number mentioned above will be considered harassment and will be dealt with accordingly. 

Sincerely, [ By Accommodation : XXXX XXXX XXXX ]
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TX)

us bank is still reporting accounts XXXX and XXXX to my credit report. This debt is has passed the statue of limitations in texas which is four years. Us bank is violating my rights by continuing to report debt after the statue of limitations has expired.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # ( XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( XXXX ) ( Experian ) and ( XXXX ) are in serious violation also. XXXX, Experian and XXXX fraudulently furnished account XXXX XXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted. 
( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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, AXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX IXXXX XXXX  # XXXX, XXXX  XXXX, XXXX # XXXX has violated my rights.

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 2023-07-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc. (ND)

I had pain for years and they kept having me do different testing and said it wasn't XXXX XXXX. One Dr I had to go out of town for instantly found them, I had XXXX and they're gone. 
Also my husband left and isn't with me anymore, I need details of which bills are mine or his. 
He's supposed to according to court orders pay his kid 's bills
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

in accordance with the Fair Credit Reporting act XXXX Account name XXXX acct XXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX acct XXXX XXXXXXXX, XXXX XXXX Acct XXXX XXXXXXXXXXXX XXXX  XXXX Bankruptcy XXXX has violated my rights. 


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
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (GA)

Ed FinancialXXXX took over my student loans over 3 years ago without my consent and the account was given to them without my consent by U.S. Department of Education without my consent. This has been on my credit for over 13 years and U.S. Department of Education has allowed this to happen along with allowing these loans to be given over to at least 5 different 3rd party companies which was without my consent. According to the FCRA guidelines this is unlawful and these loans were supposed to be dismissed long ago but theyre still lingering on my credit report in the amount of {$53000.00}
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MI)

Upon making a payment on my Care Credit card, on XX/XX/24, I discovered the interest I had been charged was {$380.00} on a {$4500.00} balance. Looking at the previous month 's statement, I had been charged {$310.00} in interests. When I contacted the bank, in an attempt to negotiate the interest, I was told I was ineligible and the only option was to close the account, but the interest would still accrue. I was not attempting to not pay the bill, but I can't afford the interest which is more than I pay on a $ XXXX car, so I closed the account.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I write to complain about the Facially False data reporting of my Account at Best XXXX  XXXX which account was reported as Closed At Consumers Request on and before XX/XX/2023 but between XX/XX/2023 and XX/XX/2023, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.
Consumer complaint received 2019-10-17
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 — Their investigation did not fix an error on your report
Company: Financial Management Solutions, LLC (MD)

I file a dispute with XXXX regarding the account I have with FMS Financial Solutions. That account was paid in full as of XX/XX/2019. XXXX sent me a letter stating that FMS Financial Solution verified that I still have a remaining balance. Which is incorrect because I paid that account in full. Please see the below attachments.
Consumer complaint received 2020-05-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (GA)

Hi : I am having problems with Mid American Mortgage Company. I received a letter from them dated XX/XX/2020 stating that I have an escrow overage of {$2400.00} and that I would be receiving a check for this amount within 30 days of that letter ( I assume the overage is because I got a applied for a property tax break some time ago due to my age ). In any case, I have not received the check. I have been in touch with people several times on the phone and recently with no results - even though they say they will do something about it ( see the attached letter that I never sent because I am giving up on trying to communicate with these people myself ). I even asked them to call me to let me know if there were any problems - if they were unable to send the money but I go no call. About three days ago, I emailed the escrow department. When I have gone back to look for a response, there is no response - In addition, I can not even see the email I sent! 
In any case, I am current on my mortgage payments and have not had any problem with that. I am attaching my escrow statement which has the amount that they are supposed to send to me in addition to the notation on the bottom that the money would be sent within 30 days. It is now going on two and 1/2 months and I am getting terribly frustrated with these people. I understand that covid is out there but we still have to pay our bills. 
I am hoping that you can help me out. If you are unable to help me, please let me know what I need to do. This has been a terrible experience. Thank You, XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

VALIDATION AND CEASE AND DESIST Collection agency name : IQ Data INTL INC Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : Your address : XXXXXXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) XXXX XXXX XXXX IQ Data INTL INC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.