davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 2023-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (MI)

Receivable Management Services placed a debt of {$220.00} on my credit profiles with XXXX, XXXX and XXXX. I sent a certified letter on XX/XX/2023 to Receivable Management Services asking for a copy of the contract I signed with them requesting services. Receivable Management Services has failed to send me any type of signed contract between myself and their company. But, they are still reporting to XXXX, XXXX and XXXX that I owe them {$220.00}.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-11-08
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. (PA)

Equifax, XXXX and XXXX are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA XXXX
Consumer complaint received 2022-11-08
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. (FL)

On XX/XX/2022 I put these companies on notice that if they do remove these accounts from my report that I didn't give them permission to report I will be moving forward with a legal action for violation of my federally protected consumer rights according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KS)

Approximately two weeks ago I mailed a money order for XXXX, XXXX to Nationstar Mortgage to pay off my loan based on a payoff amount they quoted me over the phone. They have my money order according to a phone call to them today but have not credited my account with it. They said it was short by XXXX. I said you should credit the payment, tell me what I still owe and I will pay it. They said it would be credited today. As of XXXX tonite it still is not there on my account online. They are charging me additional monies everyday even though they have far more than what was owed currently. They have my money and are purposely not applying it to the loan and accruing interest and penalties on the account. I know this is illegal!!!
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (PA)

This company has repeatedly used the terms " charged off '' in reference to my auto loan since XX/XX/XXXX. When calling in on XX/XX/XXXX they even refused to take ANY payment at all. The woman told me they didn't even own the loan anymore that it was sold and charged off and my best bet is to trade the car in before the collections company comes for it. Which I could not because Wells Fargo refused to release any information even after signing the paperwork at the dealership giving them permission to retrieve the information. They even told the dealership the loan is charged off with collections. I've filed two disputes and each one the company has DENIED having any communication with us and DENIED telling the dealership anything even though I was right there and heard it all. Today XX/XX/23 my car was repod and the repo driver told me Wells Fargo did not own the loan anymore but he could not tell me where the car was being taken to or who owns the loan that he is not allowed to disclose that Wells Fargo has to. So I called Wells Fargo to which they said they have the loan and once again would not work out reasonable payments and demand the full payment or it could be broken down into four. Which can not happen because they charged off the loan so we can not get a loan for any amount because of the status they put it in. We have expressed MULTIPLE times that all we need is for them to let us start fresh with one month payment due and we would be able to get back on track. I did not want to bring an attorney into this because I figured with all the law suits they already have for people literally in the same exact situation they would be willing to work with us. This company lies and is not willing to work with anyone. They even denied us deferment during covid when they legally had to work with us. I will not drop this until the company can make a reasonable payment plan with us even if I have to join the multiple lawsuits. The letter below doesn't say one word about repossessing the vehicle. It also doesn't give a time frame for when payment is due. It also came before the company told us the loan is charged off and no long active that payments can not be received towards it. I would also like to add that our contract has no loan or account number on it and the company has not offered to give the money we paid for GAP insurance back and we are legally entitled to it. My attorney also states it is illegal to " charge off '' an auto loan account without taking the car and selling it first. The tow truck driver also said he knows he is taking it to an auction lot but yet the company is required to send that information to us XXXX certified mail and has not done so.
Consumer complaint received 2022-12-21
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

" I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 


Listed below are the Accounts that are being challenged XXXX  XXXX XXXX XXXX XXXX {$12000.00} 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 2023-09-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

This bill is not my bill and the creditor did not give me any information about this bill. Futhermore, I was never sent any information about this being my debt. I disputed it and XXXX removed it but XXXX and XXXX did not and did not give me any information.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (NV)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-04-21
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX 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 2023-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have been on a waiting list with a dog breeder ( XXXX ) since XX/XX/2023, with a {$500.00} deposit ( confirmed received by the breeder ). I know XXXX, and she is known in the US as she travels to dog shows, posts her dog 's showings, and has been registered as a breeder of merit with the XXXX for a long time. 

Someone gained access to the XXXX 's email, and on XX/XX/XXXX when puppies were available, the intruder continued a conversation I had been having with XXXX, relaying that puppies were available, when I could have them brought to me, and requesting payment. The payment request details were altered to the intruder 's address. Since this was a big purchase ( a total of {$3000.00} ), I phoned up XXXX and confirmed all details about the dog, plans to send the dog to me, and how much she was asking for. Since she confirmed all those details to me, I felt secure in sending, and sent the first third ( {$1000.00} ) via XXXX. USAA states that XXXX is only for sending payments to people you know ( they used a dog walker as an example ), but since I do know XXXX I felt secure in going through. 

Right after that payment, I texted the payment receipt to XXXX, and she immediately told me that the XXXX address was not hers. I immediately called USAA to stop the payment. The USAA representative I spoke to told me that I would be credited the {$1000.00} while an investigation was opened, and if the investigation confirmed the details I had provided then the money would remain with me. 

XXXX and I spent the next few days working together to identify what happened with her email- the end result was her service provider told her she had been hacked and that someone had used it to commit fraud upon several of her customers. 

A few days later ( XX/XX/XXXX ), upon more research of how to handle this issue, I filed a police report of fraud with XXXX XXXX XXXX XXXX Police. They told me that since USAA was investigating the fraud, they would not. 

The following Monday, I called USAA to see the status of the investigation, since I had not been credited the $ XXXX as I had been told to expect. They told me that the investigation was still ongoing. I have not received any requests for information from USAA since my initial call immediately after the payment. 

Today, XX/XX/XXXX, I received notification from USAA that they closed the investigation and would not be helping me to recover the money. They found that the money had been sent to the intended recipient. They will not help me to recover the money I lost to the fraud.
Consumer complaint received 2023-04-12
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: SANTANDER HOLDINGS USA, INC. (CA)

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT CRYSLER CAPITAL XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Consumer complaint received 2023-06-05
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: Ability Recovery Services, LLC (TX)

This collection agency is violating my rights. This account is a complete violation of the no surprise act XXXX Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

This company is reporting 1. An account that does not belong to me 2. That account is past due This account does not belong to me I have never lived at the address nnor did I open this account. The creditor is also reporting this debt an active account noting past due dates. I have sent letters to this company with no response askin for a copy of the contract or any such documents to validate this. I have also filed a Identity Theft report as well
Consumer complaint received 2022-11-08
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)

This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (TX)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My dispute involves a missed payment reported by XXXX XXXX  to the credit bureaus for a credit card, Account # XXXX XXXX XXXX XXXX. This credit card account was stolen in the Fall of XXXX and used to make significant unauthorized purchases overseas. XXXX XXXX never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted XXXXXXXX XXXX I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of XXXX XXXX that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that XXXX XXXX reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to XXXXXXXX XXXX after filing complaints with the credit bureaus and no changes were made. XXXX XXXX then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE (AL)

My employer XXXX conference called the bank of New York Mellon for my benefit wallet account. They told me to mail a new signature card. I did my account was still not open, then they said I needed to send a {$52.00} money order for the XXXX  fees. Even though someone stole my checks and used them. I sent in the money order. And they have still havent given me access to my account. My employer has made deposits and I need those funds to pay for XXXX. My health is getting worse without this needed XXXX.