davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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 ; XXXX, XXXX XXXX # 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 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-01
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. (VT)

This complaint is about the XXXX credit reporting agencies ( XXXX, XXXX, and Equifax ). One financial institution pulled my credit from all 3 agencies at the same time for the same credit but it's reflecting on my report as 3 different hard pulls which is negatively affecting my credit. I have 15 inquiries on my credit, 4 of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the credit score, XXXX states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a 10 year term and I'm 6 years into it. XXXX and Equifax have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't accurate.
Consumer complaint received 2021-05-20
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Consumer complaint received 2021-05-20
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)

HELLO, MY NAME IS XXXX XXXX. I HAVE BEEN ATTEMPTING TO BLOCK THESE ACCOUNTS OFF OF MY CREDIT FOR SOME TIME NOW. DUE TO THE NATURE OF THE DISPUTE, IT IS A VERY SERIOUS MATTER AND AM NOW SEEKING LEGAL COUNCIL AND HELP FROM THE CFPB! 

PURSUANT TO SECTION 605B OF THE FCRA. ACCOUNTS AND INFO CLAIMED AS FRAUD MUST BE BLOCKED WITHIN 4 BUSINESS DAYS WITH ALL THE RIGHT DOCUMENTS PROVIDED. I HAVE PROVIDED ALL THE PROOF YET THE BUREAUS HAVENT BLOCKED THE ACCOUNTS!
Consumer complaint received 2023-07-08
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
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. (NV)

On XX/XX/2022 I spoke to my local US bankruptcy courthouse here is XXXX XXXX XXXX I was advise by XXXX XXXX, that Bankruptcy court does not give out personal records regarding bankruptcy to ANY 3RD PARTY companies AT ALL. That is against the law to share any personal information with anyone. I have made many attempts to get the credit Bureau to remove of my credit due to the fact they had no rights to add the bankruptcy to my credit report at all without my permission.
Consumer complaint received 2017-05-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (AZ)

I was unable to pay the property taxes and flood insurance in  XXXX  of    2016  and asked the lender to pay it and give me a payment plan to repay it. Called numerous times, wrote many letters, received no direct response to my request other than letters telling me that since I was obligated to pay taxes and flood insurance and had not done so, they would put my home in foreclosure.
Consumer complaint received 2022-11-01
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. (NV)

On XX/XX/2022 I spoke to my local US bankruptcy courthouse here is XXXX XXXX XXXX. I was advise by XXXX XXXX, that Bankruptcy court does not give out personal records regarding bankruptcy to ANY 3RD PARTY companies AT ALL. That is against the law to share any personal information with anyone. I have made many attempts to get the credit Bureau to remove of my credit due to the fact they had no rights to add the bankruptcy to my credit report at all without my permission.
Consumer complaint received 2022-11-01
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. (NY)

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 5 months to no available. I have been disputing this/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/XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My wife paid my credit card bill for me on XX/XX/2021 for {$400.00}. The customer service rep at the window asked her for her social security number. This is the most invasive thing ever. Her state issued i.d . is enough. This is a security risk. I don't what this person will do with her social security number. I am not happy with this and should not happen with any other customer. The REF : XXXX XXXX XXXX XXXX XXXX ( Payment {$400.00} ) This payment was made at XXXX CST time account ending in XXXX. This is intrusive and sketchy. I think this has potential of stealing her information. This should never happen at this branch again nor any other Capital One location. Nobody should have to give there social security number to make a payment for someone else.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Conn's, Inc. (NV)

CONS HOME PLUS IS THREATING TO TAKE LEGAL ACTION AGAINST ME FOR ACOUNT # XXXX. MY MONEY IS FROM SSDI WHICH IS FEDERALLY PROTECTED BY LAW. I WISH THEY WOULD NOT BOTHER MY ANY FURTHER.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I am the current mortgagor of a property in Pennsylvania serviced by Shellpoint. On XX/XX/XXXX and XX/XX/XXXX, i received Notices from Shellpoint as a servicer for XXXX XXXX providing me with a notice of default and intent to accelerate due to my failure to make timely payments on my mortgage. Exhibit A. The Notices that Shellpoint sent to me, however, fail to comport with Sections 403 ( c ) ( 3 ) and 404 ( a ) of Pennsylvanias Loan and Interest Protection Law ( Act 6 ), 41 P.S. 101 et seq., because they fail to include statutory mandated language, including inter alia, that I had the right to cure my default and reinstate my mortgage at any time at least one hour prior to the commencement of bidding at a sheriff sale or other judicial sale. 41 P.S. 404 ( a ). As a result of Shellpoint and U.S. Banks violation of Section 403 ( c ) ( 3 ) of Act 6, everyone including myself are entitled to damages under Section 504 of Act 6. Muir v. AM Sols., LLC, No. 18-729, 2019 U.S. Dist. XXXX 129089, at *38 ( E.D . Pa. Aug. 1, 2019 ).

Further, the Notices that Shellpoint sent to myself and anyone else in pa violate 1692e ( 5 ), ( 10 ) and Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Sections 2270.4 ( a ) and ( b ) ( 5 ) ( v ) of the Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ), 73 Pa. Stat. 2270.1, et seq., because Shellpoint : ( 1 ) Threatens to foreclose based on noncompliant Notices ; ( 2 ) Uses deceptive means to collect a debt based on noncompliant Notices ; and ( 3 ) Fails to include a debt validation disclosure in the Notices.

As a result of Shellpoint and U.S. Banks violations of the FDCPA and FCEUA, my patty thinks im also entitled to damages pursuant to Section 1692k of the FDCPA and Section 2270.5 of the FCEUA, as enforced under Section 201-9.2 of Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1, et seq. See e.g., Hall v. Nationstar Mortg., LLC , 255 F. Supp. 3d 625, 634 ( E.D. Pa. 2015 ) ( Denying Defendants motion for summary judgment in a class action alleging that their defective Act 6 notices constituted a violation of the FDCPA. ).
Consumer complaint received 2023-05-03
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. (PA)

XXXX XXXX XXXX  Act XXXX XXXX  States its a charge off account. In which I still am asking to validate that all information is correct. I have received no communications threw mail of the 1. AMOUNTS 2. ORIGINAL PAPER WORK 3. MY SIGNATURE 4.1099c I NEVER RECIEVED. I have now checked as it came back on XX/XX/23. Stating that it is to remain. Now there are many inaccuracys STILL REPORTING. I not only followed the proper steps and waited for validation of the debt. Yet, I have rights and according to the FCRA I am to have a 100 % accurate credit report so this needs to be deleted off of my credit file.
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

I was made aware I have 3 items in collections with the same company. This company has not contacted me via phone or letter. The only reason I was aware I had anything in collections was when I checked my credit report and noticed they are reporting it. This is the second time this has happened with this company. After noticing these items on my credit I then disputed them. My understanding is that under the fair debt collection practices act they are to send me a written debt validation notice with information about the debt they are trying to collect. It also must be sent within five days of the first contact. This company has never attempted to contact me. They have been made aware of this issue when I disputed it on my credit reports, yet I still have had zero contact from them. They are reporting a {$700.00} medical debt from XXXX XXXX. Collection  opened XX/XX/XXXX. 
{$850.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. 
{$480.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. 
Do to this happening with the same company for the same thing in the past this company is well aware of my phone number and address to make contact with me. This has in return caused a negative effect on my credit and could have been avoided had this company followed federal laws. If I was made aware I was in collections when they first opened these items I could have validated the debt and paid these items as to not cause my credit score to go down. Instead these have been reporting negatively on my credit for months without me knowing.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to formally dispute an inquiry that appears on my credit report. I have carefully reviewed my credit report and confirmed that this inquiry was not authorized by me. I have not applied for any credit, loan, or service from the creditors listed around the date of the inquiry, nor have I granted permission for any third party to access my credit information on my behalf.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (IL)

Someone opened Student loan account with MoneyLion Inc on my Name. and took XXXX . The account was opened on XX/XX/2021. 
I noticed this fraud account on my credit report on XXXX XXXX and disputed the report with XXXX. XXXX  simple reported information correct and did not remove the account. 
I have also contacted MoneyLion Inc and tried to explain to get more details and close the account but did not received any good response. 
-- -- - Below is information I see on my credit report -- Account Number XXXX Creditor 's Name MONEYLION INC Type of Industry Personal Loan Companies Address XXXX XXXX XXXX, XXXX , UT XXXX Account Balance XXXX Payment Status Current Creditor 's Preferred Contact Method Other
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (MO)

Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are spam calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (KY)

In XX/XX/2021 I got a phone call and then a letter from a collection agency called Receivables Performance Management LLC. They said that I owe XXXX to XXXX XXXX XXXX for a XXXX XXXX bill for services at XXXX XXXX XXXX XXXX Ky XXXX. I do not live at that address and never authorized anyone to open an account in my name. This bill has to be fraud. I have written to that collection agency several times and talked to them on the phone several times. They told me to keep it off my credit report I need to file a police report.I filed a police report for fraud with The XXXX police department. The incident report number XXXX. I then sent to information to the collection agency. It still went on my credit report which caused my score to drop 52 points.I am still receiving notices from them saying I need to pay the bill.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I deposited check in checking account Bank XXXX  ATM on XX/XX/21. Bank did not credit the amount correctly. I complained. Bank posted correct amount the next day, XX/XX/21, but placed a ten day hold on the check. The payor confirmed check cleared the day before. XX/XX/21. The Bank put a ten day hold on the check. I have transaction number and copy of processed check. Bank refuses to release funds today- said wait til XX/XX/21 when Fed Reserve confirms the check was honored.
Consumer complaint received 2021-05-19
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: JPMORGAN CHASE & CO. (FL)

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX JPMCB CARD # XXXX JPMCB CARD # XXXX
Consumer complaint received 2023-06-15
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. (MI)

I have found incorrect information and a fraudulent account furnished by a credit reporting agency. I have called/emailed and mailed out information to all credit reporting agencies with the correct information for update. After waiting months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer and therefore mark grounds for deletion. All information reported must be accurate according to the FCRA. 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. States a consumer reporting agency can not furnish any account without my written instructions. This has caused great damage to my credit report and needs immediate attention. XXXX XXXX # XXXX is the fraudulent account that needs attention please.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (TX)

On XX/XX/2021 I received a letter from Credit Control , LLC demanding the payment of {$1300.00} for a XXXX 's account that they have not shown legal proof that this account belongs me, legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. I called their office and sent a letter requesting these documents on the same date. This company has failed to respond with any information. 

I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.
Consumer complaint received 2021-05-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX and Experian is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (MA)

I purchased a maintenance package with a new car, from the manufacturer. I am returning the car with XXXX miles on it. I have been told the maintenance plan is tied to the car and the auto manufacturer is keeping the money. The manufacturer in question is XXXX  and the maintenance plan is AudiXXXX
Consumer complaint received 2021-05-19
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)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.