davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

To whom this may concern. I sent a letter to XXXX and Experian regarding my credit report and stated that the late payments were inaccurate and incomplete, and for them to immediately remove all late payments. They did not investigate, neither did they remove the late payments. They updated my profile. The letter is below is what I sent to each credit bureau. 


To Whom It May Concern : According to the Fair Credit Reporting Act, 15 U.S.C 1681, you are required by federal law to report accurate and complete Information. The highlighted account is not accurate. How can the monthly payment be both {$35.00} a month and {$0.00}? This is inaccurate. You are in direct violation of 15 U.S.C 1681. You are also in direct violation of 15 U.S.C 1681e ( b ) which states whenever a consumer reporting agency that prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, which was not done. I demanded you to remove the late payments, not update. Please remove all late payments IMMEDIATELY of the accounts listed below.
Consumer complaint received 2022-11-14
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. (NV)

Delete all of these hard inquires immediately. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : 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 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 2022-11-14
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. (IA)

I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NC)

-A NON DISCHARGED/OPENED OR DISMISSED XXXX XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( How is it reporting at all without my written permission? ) The bankruptcy being reported is reporting without my written permission. I have not provided any written, un-written, verbal and/or non-verbal consent to XXXX, XXXX, and/or Lexis Nexis to report the bankruptcy on my credit report. 15 USC 1681 ( 4 ) " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' Reporting of the bankruptcy without my written consent is a violation of my privacy. 15 USC 1681 ( b ) " ... consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 'consumer credit, ' personnel, insurance, and other information in a manner which is 'FAIR AND EQUITABLE to the CONSUMER, ' with regard to the CONFIDENTIALITY, accuracy, RELEVANCY, and PROPER UTILIZATION of such information in accordance with the requirements of this subchapter. '' The reporting of the bankruptcy on my credit report WITHOUT my written permission and/or consent is a violation according to the USC definition of permissible purposes. XXXX, XXXX, and/or Lexis Nexis does not have a permissible purpose to report the bankruptcy. Furthermore, reporting of the bankruptcy is not " fair and equitable '' to me, the consumer. uscourts.gov states " Bankruptcy courts DO NOT report to ANY credit reporting agency. '' How is it that XXXX, XXXX, and/or Lexis Nexis reporting the bankruptcy without my written permission? This is my third attempt, requesting removal of the bankruptcy from my credit report. I will be moving forward with an FTC complaint and seeking civil liability charges for willful noncompliance, per USC 1681n.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (NV)

Delete all of these hard inquires immediately. 

EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX  Credit Unions XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  All Banks ( XXXX ) XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My file number is  XXXX . I have requested numerous times from Transunion to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to   XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.
Consumer complaint received 2024-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Commerce Home Mortgage, Inc (CA)

Change Home Mortage sold my loan to a new service provider XXXX XXXX  but has failed to send and /or proof they forwarded our first months payment made to Change Home Mortgage to new service loan provider. Additionally, Change Home Mortgage has failed to supply clarity over the phone on this matter after at least 4 calls. Agents from Change Home mentioned several different dates of loan transfer and amounts transferred. Did not provide proof funds of first months payment were sent to new service provider.
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (SC)

Sequium Asset Solutions is reporting a debt that doesn't belong to me. This debt has been removed from all my credit reports 3 times in the past year. The collection that is being reported on my credit report is inaccurate. The XXXXXXXX XXXX XXXX debt does not belong to me. The XXXXXXXX XXXX XXXX debt belongs to XXXX XXXX who lives in Texas. This debt belongs to XXXX XXXX a Resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX.
Consumer complaint received 2022-11-24
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

C

redit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incom
plete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XXXX XXXX, 2022 to Transunion, XXXX  and XXXX  and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

This is a violation of 15 U.S. code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately This {$220.00} debt was already paid to XXXX XXXX and the equipment was retured. I did not receive any letters stating collection alert.
Consumer complaint received 2023-02-02
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. (LA)

There is an unauthorized Hard inquiry on my report dated XX/XX/2022. 
I demand under FCRA Sec 604 : XXXX. Permissible Purpose XXXX. My written Authorization XXXX. Proof that I personally initiated this Inquiry. 

There has been no Response since XX/XX/2022.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (PA)

Carvana has denied my right to credit and has also violated title 15 of the CFR by demanding a down payment which is illegal. I will not donate and as a consumer I feel offended and humiliated to have my rights violated according to the FCRA. I demand reconsideration of this adverse action. 
Dear Carvana, I am writing to express my concern regarding the recent decision to deny credit approval for a consumer transaction. My investigation has revealed that demanding a down payment as a condition for credit approval may constitute a violation of federal regulations, specifically 31 USC 5118, as well as provisions within the Uniform Commercial Code ( UCC ), and the Fair Credit Reporting Act ( FCRA ). 
Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive a clear and accurate explanation when credit is denied, including information about the factors leading to the denial. Demanding a down payment without proper justification may be deemed as a violation of the FCRA, which protects consumers from unfair or discriminatory practices.

I demand that Carvana revisits its decision regarding the credit transaction in question and provide a detailed explanation for the denial of credit approval without the requirement of a down payment, in compliance with the FCRA. Failure to comply with this request may result in further legal action. I expect prompt action on this matter and appreciate your attention to this issue.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was mailed a Bank of America credit card when I did not apply for it. My credit score was ran without my permission. I tried to call the number on the paperwork sent with the card and they transferred me to the fraud department. They asked for my social. I did not give it to them and they said theres no way to help or close the account. They gave me a wrong address to follow up in person and the closest Bank of America is 45 miles away. I need this account closed! Its not me!
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Terrill Outsourcing Group (OH)

On XX/XX/2022 I received a call from XXXX. I answered the phone and it was a lady from Superlative RM collection agency. She was very rude and very aggressive. I told her of why I was unable to make my payment and she said Why should I care what other bills you have to pay. That has nothing to do with me! Even though I have been paying payments to them for months and I had also tried calling days before. I would try to talk and she would just cut me off. I would say something and she would twist my words. I told her I was at work and she said Oh so now youre going to rush off the phone I felt threatened because she said Well well have to take further action She was very unwilling to work with me on anything. So I hung up with her and went online and just made the payment myself since she wasnt going to let me get a word in edge wise. I mean I felt very very threatened and scared. This lady was very very hateful and aggressive.
Consumer complaint received 2017-07-17
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: SYNCHRONY FINANCIAL (FL)

I filed for bankruptcy from   XXXX   to  XXXX . The credit card Amazon through Synchrony bank was placed in the chapter  XXXX  bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss   XXXX   XXXX   and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
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I contacted Synchrony bank several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (NC)

XXXX XXXX XXXX is still charging me for XXXX services that the Veteran 's Administration ( VA ) was settling with them. I was seen for medical care XX/XX/XXXX and XX/XX/XXXX. Prior to my appointment in XXXX, XXXX called me that they received my referral from the VA. A few months later i was billed. I took numerous attempts with XXXX and the VA to have this fixed. It wasn't until I complained to the VA Inspecting General that the VA worded to get these medical bills. The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX office was not helpful and for some reason they lost the referral. Some time this year, I was told by a VA representative that the medical debt collects would be removed from my credit report and bills were settled between the VA and XXXX. The VA representative even had me call Credit Control Corporation to give them permission to allow the VA representative to speak with them o. My behalf. I received a letter from Credit Control Corporation to pay for two visit that the stated would be settled with XXXX.
Consumer complaint received 2023-05-10
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am not liable for this debt with XXXX and do not have a contract with FAIR COLLECTIONS & OUT. They did not provide me with the original application like i asked.
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IL)

previously disputed SYNCHRONY BANK, account with a balance of {$2100.00} because its factually disputing incorrectly on credit report. I strongly disagreed with the results. XXXX is reporting account type open with comments stating collection account yet payment history XXXX as agree all the way. XXXX is reporting account type installment and account type detail Debt buyer with consecutive charge off all the way from XX/XX/XXXX through XXXX XXXX XXXX XXXX reports account open with no data on payment, history. Date last active for XXXX reports as XXXX  while XXXX XXXX report XX/XX/XXXX and XXXX reports XXXX. There is no way that account can be reported as open with one bureau while the other bureau is reporting collection and theres definitely no way that account can be reported open and being in collection yet perfect payment history all at the same time. Account is a total mistake itself. There is no way that all three bureaus can be right if information is coming from the same furniture data.
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. (NC)

GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX XXXX JUST XXXX OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A XXXX GOVERNMENT XXXX AND NOW XXXX IS XXXX IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING ANYTING FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


XXXX is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious XXXX  to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These XXXX  at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say XXXX owe. I demand an investigation and I demand for a response to these allegations. XXXX not XXXX XXXX let this go XXXX XXXX up there in XXXX nobody will anything about it but I have a voice too and XXXX going public on you and your creepy ambulance chasing company. You broke the law and justice will be served. Wait for it
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I sent letters asking for validation of debt, original contractual agreements between myself the consumer and the agency that is alleged to be owed XX/XX/2023, as I have never conducted business with any of these organizations ever that are appearing on my reports. No response was received and the debt continues to remain on all of my credit reports!
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I am not liable for this debt with IQ Data International , Inc. I do not have a contract with IQ Data International Inc. They did not provide me with the original contract with IQ Data International, as I requested. 
IQ DATA INTERNATIONAL Account Number : IQXXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth third bank erroneously applied home owners insurance during covid period and applied my regular monthly payment to my impound account. I provided proof that the insurance had, in fact cashed the check for my home owners policy. The check was " lost '' somewhere between the sender and insurance company, however, they did eventually cash it. I have made every payment on time. Fifth third refuses to credit back my account for placing their insurance policy on it and continues to say I was late on my monthly payments when in fact, all payments were made on time. I want the credit report corrected to reflect all payments were current. I have never received a late charge on this account. I sent copy of front and back of insurance check showing it was cashed by insurance company as well as the policy declaration showing the dates of coverrages. They still refuse to refund me or update my credit report. They also refunded me my first payment on the loan saying " no account found '' which I then had to resend the check out. 
My title company sent them an additional check to cover the insurance that they erroneously placed until it could be sorted out and Fifth third sent me a XXXX check back for impound overages???