davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-10
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. (MO)

In reference to case # XXXX TransUnion failed to conduct a reasonable reinvestigation to determine the validity of the disputed XXXX XXXX late payment as it still exist on my account. There are XXXX XXXX XXXX accounts on report. I need them provide verification of all information they used to investigate my dispute, to include a standard form outlining the general characteristics of such information. who did you talk to at XXXX XXXX, when did they talk to them, and I also need the name of the point of contact name and address. As per The Gramm-Leach-Bliley Act, 15 USC 6802, obligation with respect to disclosure of personal information. TransUnion must explain their information-sharing practices to their customers, which I received no such notice to safeguard my sensitive data.
Consumer complaint received 2023-01-10
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. (TN)

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, 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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My closed XXXX installment credit account shows incorrect information listed. This ACCOUNT shows incorrect / unauthorized charges added. Also, it shows that it's CHARGED OFF. please can you help me REMOVE this account from my CREDIT REPORT Thanks, XXXX
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

DISPUTE_CASE_XXXX. Never Received a response! Absolutely ridiculous. Filed a case with CFPB on XX/XX/XXXX, Incomm responded that " The final resolution will be no later than XXXX XXXX XXXX '', NEVER RECEIVED ANYTHING ABOUT A FINAL RESOLUTION. Absolutely ridiculous, punitive and legal action should be taken against Incomm.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (PA)

I remember in XXXX I had an emergency. I went to XXXX hospital. I passed 2 to 3 hours in the hospital. I had XXXX. I gave all medicaid papers. They made copies of them. After weeks, I received a bill amount of {$850.00}. I called them for explanation. They couldn't justify this amount. I called next Florida Department of Children and Family ( DCF ) who gave me the medicaid. They told me they already paid the hospital. You can investigate. After 2 or 3 months Florida medicaid ( XXXX ) sent me a letter asking me if I recognized that the hospital gave me this service at that time. Florida medicaid finished this letter to let me know they are trying to control fraud.I responded Florida medicaid yes I recognized this service and I take advantage of this opportunity to let them know that I received an other bill ( {$850.00} ) while DCF had already paid for the service the hospital gave me.I included the letter that they sent to me in the correspondence sending to Florida Medicaid. 
They sent after this account to the collections. XX/XX/XXXX collections account removed. 
2 weeks ago they sent to me a letter where they explained me that the account ( {$850.00} ), the debt, is sold to an other entity ( XX/XX/XXXX ). So, making a glance at my credit score today I see that it has been decreased at XXXX. ( Less 31 pts ). I am convinced that this decision is unfair. If you want to justify ; you can contact Department of Children and Family ( DCF ) for more information. The service was provided to me by the hospital on XX/XX/XXXX. I am sure you can retract it. 

Thank you XXXX XXXX
Consumer complaint received 2022-10-27
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: WELLS FARGO & COMPANY (TX)

I am simply asking you who gave you permission to report on my credit profile. Also, who gave you permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also since you did furnish this account without my consent and reported on it every month without me knowing that is identity theft which is a felony. According to the law, it states in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person 's identification without their knowledge shall be sentenced to a term of imprisonment of 2 years. I am pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most known forms that all companies must have in order for a consumer to consent to SSA-89 or SSA-827 form Authorization to Disclose Information. Those are the only two forms that must be sent to me to even furnish this debt with my permission. You never offered those forms to me. Also since you are still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report took a hit because you do not care, and this caused me to miss the job that I initially had high hopes for. 

You are in violation of 15 USC 1692c ( b ) Which states that without prior consent to a consumer, you can not report to a consumer reporting agency. You have been doing that all along which is a felony, and that also results in identity theft. I did not give you consent and you are still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me { {$1000.00} } per damages to my consumer profile and { {$1000.00} } per violation. So tell me who gave you the consent to report on my consumer report because it wasn't me?
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2024-04-20
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: CITIBANK, N.A. (NY)

Fraud charge on credit card {$440.00} at XXXX. my card # stolen online. I didn't lose card. Called Citibank and filed fraud dispute. Fraud on same date for 2 charges, one for XXXX XXXX XXXX, and one XXXX XXXXXXXX was credited, XXXX being further investigated. Citibank said they mailed letter to me asking for more info and attesting to this fraud with a return to them deadline date. Since XXXX never XXXX  such letter, they reversed {$440.00}. XXXX  and made me responsible for the amt. I have called security, citbank general phone, emailed, written letters, and no one responds. 
I paid the dispute because I didnt want to be charged finance charges. Everyone I have spoken to in Security asks me the same questions, and say they are still investigating and my claim will be worked on immediately, since it has been ongoing for 6 months.
Consumer complaint received 2023-03-15
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2022-11-14
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. (MO)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

XXXX XXXX Balance Owed : {$0.00} The fact that you are still listing this account as being past due despite the fact that it has been paid in full and has no outstanding amount is a blatant violation of the Fair Credit Reporting Act. I never missed a payment on this account. My records indicate that I never missed a payment on this account, which was paid as agreed. I need you to please either entirely erase the disputed account from this account 's payment history or take care of the late payments. 

XXXX XXXX  XXXX XXXX XXXX : {$1.00}, XXXX You have done nothing despite my repeated attempts to dispute this account and get the payment history updated. I never made late payments for this account, hence the late payments that are shown in the payment history of the account are false. Please update the payment history as soon as you can by deleting the recorded late payments. 

XXXX  XXXX XXXX Balance Owed : {$1100.00} This statement was never late and never will be. I've tried to ask you to alter the payment history since you are putting false and inaccurate information about me on my credit record. I ask that you stop reporting late payments on this account and only provide truthful information going forward. The FCRA requires proper credit reporting.
Consumer complaint received 2021-06-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MA)

My complaint is against : Cardinal Financial Company , Limited Partnership ( NMLS ID XXXX ) dba XXXX XXXX Overview : Soon after closing on a refinance, I realized the terms of the loan would not work for me so I exercised my right of rescission. Mortgage company is refusing the refund all finance charges, specifically the charge for the appraisal. 

Details : XX/XX/XXXX : {$620.00} appraisal fee paid to Cardinal Financial XX/XX/XXXX : Closing, wired {$2200.00} for closing costs. After signing and reviewing closing documents, noticed that the loan was put through as a primary residence. This refinance was done in order to free up my VA entitlement so I could close on my second home on XX/XX/XXXX. XXXX XXXX  refused to waive the 1 year occupancy requirement so I exercised my right of rescission. 

XX/XX/XXXX : XXXX XXXX  acknowledged the original refinance as voided and began steps to convert the loan to an income property. With a possible submit to underwriting early the following week. 

XX/XX/XXXX : Loan still had not been submitted to underwriting but I found a path forward using secondary entitlement on the second house. Informed XXXX XXXX  that I was no longer interested in doing business with them and to return the finance charges of {$2800.00}. 

XX/XX/XXXX : Response from XXXX agreeing to return the {$2200.00}, but not the {$620.00} appraisal fee because " This is a justified charge for services rendered by the appraiser. '' After reading through the Code of Financial Regulations, Reg Z acknowledges that the appraisal falls under finance charges that shall be reimbursed, but also allows for exceptions, so I submit this complaint to you for your review.
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (IL)

I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, ACS is has reported late payments over & XXXX 120 days which is inaccurate and causing a strain on my credit worthiness.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (FL)

In XX/XX/XXXX I received a letter from online information services stating that I owed a debt to XXXXXXXX XXXX  On XX/XX/XXXX I called and spoke to XXXX and I explained to her that I had previously received a letter from a different collection agency and that I had paid XXXX XXXX directly and advised the collection agency of that. The agency advised they would confirm and remove the debt from my report, so I was unsure as to way I was receiving this over a year later from a different agency. I advised her I was given a confirmation # when I made the payment. She advised she would sent a dispute to XXXX XXXX, and that it would not yet be reported to my credit profile ( however my confirmation # was not included I the dispute. ) I received another letter from this sane agency dated XX/XX/XXXX stating they contacted XXXX and I owe the balance. I contacted the agency today on ( XX/XX/XXXX ) bc I already paid the balance not only do I have he confirmation # I also have my bank statement showing the amount paid. I was informed to mail my bank statement bc they do not do any electronic correspondence. I then contacted XXXX and was advised that I do not have a balance with them which they'll be email me proof within XXXX of today. But I was informed that the debt has already been reported on my credit altho I was advised it would not be. I feel as XXXX this collection agency purchased my account and have not done what they were supposed to do to verify that I indeed owe this debt had they done so they would know that I don't and would not have reported to my credit report. Although I've explained to them that I have all the proof that this payment was made over ayear ago they are still trying to collect this money from me and now my credit has been negatively impacted. I feel like they lied about the dispute verification to XXXX and the corresponding letter is dated XX/XX/XXXX and I was told that they don't do electronic communications so if this is true how can mail a dispute to XXXX XXXX  on XX/XX/XXXX and with in XXXX business days ( as the XXXX was on a wed ) received a letter back from XXXX and mail a letter to me saying it was still owed. I feel like my hands are tied. Bc even if I mail off my bank report they XXXX still lie and say I owe the debt when XXXX XXXX is saying I do not.
Consumer complaint received 2022-09-12
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. (NY)

In accordance with the fair credit reporting act XXXX  account # 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 2024-04-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP (CA)

I noticed a collection account on my credit card report around XXXX of XXXX. I have then went to XXXX XXXX  to get this removed because I had no knowledge of what this account was.The collection has since then been removed from my credit card report due to it being inaccurate. XXXX XXXX  XXXX  then sent me a letter months later after the collection was already removed stating I have cosigned into this lease building that I supposedly was staying at during XXXX. I have never lived at this address nor have I walked into the lease building and signed my name. The suspect had a girlfriend whom I suspect forged my signature. I have never once made a payment towards the rent, down payment, or have leased the apartment place they claim I did. I had no knowledge of this collection account until XXXX. XXXX claims that this account belongs to me when I had no knowledge of this whatsoever. They claim that I had walked up in the lease building and signed my name supposedly with an id. During XXXX I have lived at a different address for the entirety of XXXX and have never once stayed at the apartment address. XXXX has never once provided me the original signed contract no wet signature proof or evidence that the photo id is mine. I have never missed a late payment or had any charge off my credit is only XXXX XXXX XXXX as well.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (MI)

TrueAccord has injured me personally infringed upon my privacy and violated my federally protected rights as a Consumer a Natural person flesh in blood these crooks bought an alleged debt from XXXX and then sent me letters stating I owe them the alleged debt furnishing false and deceptive forms that would make me the consumer think that I owe such alleged debt this is a violation of the Fair Debt Collection Practices Act and this is identity theft I intent to invoke my specified remedy which is the payment for all damages sustained which would be each violation of the FDCPA I have clear proof I've disputed the debt and it has not come back to me validated True Accord has violated the following laws in the FDCPA 1. 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.

( 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.

2.15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 3. 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 4.15 USC1692e ( 2 ) false representation the character, amount, or legal status of any debt ; 15 USC 1692k-Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I will be sending a invoice invoking mu specified remedy to try to resolve this matter out side of court and I have sent an affidavit of truth and facts incase I have to file suite The fifth maxim in Commercial Law is " AN UNREBUTTED AFFIDAVIT STANDS AS THE TRUTH IN COMMERCE ''. Claims are made. If they go unchallenged, they emerge as the truth in the matter. ( 6 ) And accordingly : " AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGEMENT IN COMMERCE ''. True accord has defaulted and will get the opportunity to cure by paying the invoice before I file suit
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (NV)

made my proper payments to XXXX  credit card for the month of XXXX and XXXX someone that works for XXXX  credit card services was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments i realized in XXXX that the payments i made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was i never late on my payment