davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (TN)

Credit bureau Experian was hacked late XX/XX/2018 and failed to provide notice of compromised accounts. Disputes of inaccurate information still being validated when they know information has been compromised. 
XXXX  dispute has been on going for more than 6 months with no response from the agency.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

My account with SYNCB/PPC was never late! I have had exceptional payment history with SYNCB/PPC and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


SYNCB/PPC Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-14
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. (MD)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-04
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)

accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (IL)

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2022-12-07
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. (NY)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2021-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (TX)

I am trying to pay off my student loans. My loan servicer is E.C.M.C. I began receiving collection calls in XX/XX/2019 requesting that I consolidate the loans for the amount of {$24000.00}. XXXX, my previous loan servicer, was reporting a lower amount to the major credit bureaus. E.C.M.C can not substantiate the current amount claimed other than to provide they paid a certain amount for the loans. What E.C.M.C can substantiate is the original loan amount of {$10000.00} and payments made in the amount of approximately {$8800.00} on the loans. E.C.M.C asserts that despite these payments, {$22000.00} is still owed. I have requested a settlement but the offers exceed {$15000.00} despite an active wage garnishment in the amount of {$530.00} per month. I wish to reach an equitable settlement.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (IL)

I noticed there has been several companies that withdrew money from my account that I did not authorize nor have any written permission to withdraw funds from my account. I disputed the issue with navy federal and they informed me that it was an issue I need to handle on my own. As a consumer my rights has been violated as I am suppose to be protected by the FDIC and my funds is suppose to be secured.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-27
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: Experian Information Solutions Inc. (AR)

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : 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 2022-12-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

Your company falsely reported in defamation of my character. Further you created a deceptive form that made lenders and creditors, believe that i was not an idle Canidate to extend lines of credit too. Further pursuant to 15 usc 1681 ( a ) ( 4 ) A consumer reporting agency must exercise their grave responsibility to reporting 100 percent Accuracy and credit reporting. Due to your inaccuracies and non-verifiable information 0ver a 30 hard inquires. other people 's information blocking me out of monitoring services, Wich i have been trying to have you guys fix for over 4 months now not able to place credit freeze on my report. denied personal loans, extension of lines of credit as well. and multiple other violations under the FCRPA. That my lawyer has been documenting. It's on file with Equifax that i was a victim of your data breach as well. This is a formal notice to let you know my attorney that will be representing me on these multiple violations Equifax is responsible for. and will be held accountable in state and federal court. thank you for your prompt and immediate response to attending to this matter
Consumer complaint received 2023-08-14
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. (FL)

In Accordance with Fair Credit Reporting act XXXX  Formerly XXXX Account # 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. 

This company furnished inaccurate information on my credit report. They marked my account as a charge/off cancelled debt but still updating my account as payments are being made. This is a violation. According to the IRS charge/off or closed accounts of {$600.00} or more is considered cancelled debt or forgiven. They must send me a IRS form 1099C but I still have not received one and they are still in violation of my consumer rights by furnishing inaccurate items on my report without my consent. They have been put on notice that the information is incorrect and yet they still violated my rights by updating and furnishing this on my consumer profile. TransUnion has the duty to ensure everything is accurate and if a person has reason to believe that the information is inaccurate by Law they are not allowed to place anything on the consumer report. 

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action. CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

I am writing to formally dispute the accuracy of items reported on my credit file. This dispute is pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Section 609 of the FCRA. Under the FCRA, credit reporting agencies and information furnishers are required to investigate disputes from consumers. Reporting debts that are inaccurate and misleading information, thereby violating my rights under the FCRA.I kindly request the following actions be taken stipulated by law : Conduct a thorough investigation into the accuracy of debts reported on my credit file. 
Provide validation of the debts in accordance with the FDCPA. 
Supply all information and sources as required under Section 609 of the FCRA. 
Remove all inaccurate and outdated information from my credit report. 
Supply purchase agreement. 

Please confirm receipt of this dispute and provide a timeline for resolution. I expect a written response detailing the actions taken to rectify these issues.
Consumer complaint received 2023-05-04
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. (MS)

XX/XX/2023 I see a account on from XXXX XXXX XXXX that's not mine it's a fraudulent account an shouldn't be on my credit report for XXXX
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc. (CA)

The original loan was made in Oregon as a 2nd Mortgage. In XXXX the house went to short sale. The credit company Real Time Solutions apparently purchased the debt and is miss-reporting as making payments on the account thereby attempting to show it is not passed the statute of limitations. 


This account is well passed the statue of limitations and no payment have been made to this account since XXXX, but the credit agency is falsifying their report to appear that payments were made sooner. 


1 ) Real Time Solutions is not the original owner of the debt.

2 ) Real Estate Loan past the statue of limitations 3 ) Real Time Solutions is misreporting financial information based on payments that have been made to this account. None have since XXXX. 

I have disputed this through XXXX  but the credit agency again misreported the information. 

Report # : XXXX XXXX Mon - Fri : XXXX - XXXX CST Sat - Sun : XXXX - XXXX CST Reason and details Next Reason and details Next General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name REAL TIME RESOLUTIONS Account Number XXXX Account Type Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$28000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$83000.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$420.00} Original Balance {$63000.00} Highest Balance {$0.00} Terms 30 Years
Consumer complaint received 2016-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Mortgage company failed to pay taxes out of our escrow account. The taxes are now 7 months behind. We have been in constant contact with the mortgage company in the past 7 months. We were assured it was paid over and over several times by the mortgage company.. Several times. Have now received a letter from a lawyer for the city, stating they are going to begin the process of foreclosure if we do not pay the overdue taxes. 
Mortgage company is Nation Star Mortgage. Note we have NEVER missed a mortgage payment OR been late OR not paid in full our monthly mortgage payment. We also have email documents back and forth from the company saying the taxes were paid. And they still have not been.
Consumer complaint received 2022-12-06
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. (AL)

I received the letter with your dispute results and I need to know WHY these accounts are still remaining or you are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from your company! These accounts are still reporting errors.Each one has different accounts open dates. Thats inaccurate right? How can this be?! Please explain to me how your agency has so-called verified these accounts? Im allowed to ask and youre REQUIRED to answer. 
So how did you do it?! 
Who did you talk to in the creditors office? 
Did you send them the information about the account that I sent in? 
How did you send it to them? 
Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have What did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified? 
The FCRA says that you have to tell me this within 15 days if I ask. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified. 
If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response or XXXX verification is unacceptable. I am requesting a RE-Investigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-03-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I bought my home in XXXX. The mortgage was an ARM with a second. In XXXX I had to file for bankruptcy because the mortgage payment was getting too high. In XXXX Ocwen sent me an application for a home modification ( I received the mortgage application three days after the date it needed to be mailed back ). I called Ocwen to see if I could still submit the loan. They accepted that. Ocwen 's loss mitigation department said they were going to write off the second mortgage at that time. Ocwen denies this. I had been making payments on both mortgages, the first and second, prior to the modification. Ocwen is saying the account is in bankruptcy status. The bankruptcy was finalized prior to me starting the modification. Ocwen also states I never reaffirmed on the mortgage. I did. Ocwen told me I did not qualify for a HAMP or a HARP modification. Ocwen said they could offer me an " in-house '' modification. I started the in-house modification in XXXX. I had to make three trial payments then the modification would become permanent. The amortization on their website was for a 15-year modification. I completed all my payments on time, never late. I made the last payment on XX/XX/XXXX to pay the loan off. I had to make bank wires for the payments. Ocwen is now saying I owe 15 more years of payments. They are threatening forclosure.
Consumer complaint received 2023-07-07
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: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX and American Express illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing American Express EGRIOUS NEGLIGENCE! After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from American Express stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does American Express not understand? I DID NOT APPLY FOR AN AMERICAN EXPRESS CARD! Any application American Express received was unauthorized.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (PA)

I Deposited Money Into A XXXX XXXX XXXX ATM Machine But With My Navy Federal Credit Union Card. I Deposit An Amount Of {$2000.00} In Cash Into The ATM, At The End Of Deposit I Got A Receipt Back And At The Bottom It Said Transaction Not Permitted. The Machine Did Not Give My Money Back. I Have Been Trying For Over A Week With Both Banks To See How I Could Retrieve My Funds. Navy Federal Is Now Working To Retrieve My Funds For Me. I Just Keep Getting The Run Around And Now Im Out Of {$2000.00}