davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (TX)

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. 

XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

I am a victim of identity theft. I requested that this account was blocked ( XXXX XXXX XXXX XXXX  ) This information did not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Transunion has failed to remove this from my report in the according to the following ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-03-12
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Reference # XXXX XXXX bankruptcy Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I contacted XXXX, Equifax, and XXXX in XXXX of 2023 to correct inaccuracies in my credit report and XXXX and Equifax declined to correct the reports. Under 15 USC 1681e consumer reporting agencies are to assure maximum possible accuracy. XXXX and Equifax have been in violation of 15 USC 1681s-2 for knowingly reporting inaccurate information since that time. 

Incorrect information on XXXX 's report : Two addresses are non-mailable : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX Former or current employers that are incorrect : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses on Equifax 's report XXXX Two addresses are non-mailable : XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX In XXXX of 2023, under 15 USC 6802, I opted out of XXXX XXXX XXXX  reporting my nonpublic personal information. The consumer reporting agencies are still reporting my XXXX credit card balances/ transaction history, which is in violation of 15 USC 1681a. The consumer reporting agencies are also violating my rights under the Privacy Act of 1974.
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: CITIBANK, N.A. (OH)

A unauthorized charge occurred on my Best Buy Citi Credit Card of {$210.00}. I called to get this fixed and they stated a refund for that amount will occur and it will take 30 days. After 30 days the refund came however a late/interest charge of {$2.00} came onto the account. I called again and they stated this will be refunded as well and it will take 30 days. AGAIN, another charge came before this one was removed totaling {$4.00} and then a missing payment was initiated on my credit report ( Never missed a payment in my life ). Once I talked with Best Buy again they settled the outstanding balance and they submitted a dispute to their internal credit bureau to get the missing payment removed. I then received a letter in the mail stating that the missing charge was correct and that the missing payment will stay on the report. I tried disputing using XXXX and XXXX with no luck as they came back with that the late payment is correct and will remain on the account. This has been going on over 7 months now and is affecting my ability to fund our wedding now. I need help
Consumer complaint received 2019-06-26
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan since 2011, and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.
Consumer complaint received 2024-02-15
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-04-19
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}. Please update. I'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the instructions.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX I turned off the recurring payment options on my credit card account with MasterCard/Synchrony Bank using their website. I did this because I was closing that checking account and moving my money to a local bank. Evidently the recurring payments did not turn off. I did not know this. I continued making my payments on time using my new checking account. Their website will not allow you to delete a checking account, only add new account numbers. I received an email in XX/XX/XXXX telling me that I was taken off the recurring payment system because my payment had been returned. I was a little confused, since my payments had posted to my checking account. When I called the customer service desk to inform them that we were leaving the country on vacation, the person on the line told me of no problems with my account. The next day they closed my account, even though all payments had been made and the account was not delinquent. I feel my account has been closed for the wrong reasons and because their website is unreliable. Even though I called on XX/XX/XXXX to question why my account was closed, they informed me that nothing could be done. I asked them to make sure that the recurring payment option was turned off on the XX/XX/XXXXToday, XX/XX/XXXX I received an email informing me that my payment had been rejected. The payment was made on XX/XX/XXXX  and accepted by  Walmart/Synchrony Bank. So apparently their system continues to look for the auto pay from old account. I suffered a hardship in my travels overseas, because their online system did not do what was asked of it.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. 
However, I then got a statement to pay that interest. 
I called and they said they reversed the charge, I have also closed this account. 
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. 
This needs to be resolved. 
This account is paid in full and I owe nothing.
Consumer complaint received 2022-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist created seperate loan payment account on my HELOC after transferring from Suntrust. They began applying payments improperly not subtracting from the interest bearing account. I called to have them apply payment correctly and they made it worse. I then paid off the balance, more than owed, creating a negative balance of {$400.00} in repayment account and a total negative balance of over {$200.00}. I called to have it corrected and account closed. After a month, they just removed the {$400.00} again leaving the account with a loan balance of {$100.00}.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Recovery Services, LLC (TN)

I, XXXX XXXX XXXX is filing a continuation of my initial complaint on ABSOLUTE RECOVERY SERVICES. ABSOLUTE RECOVERY SERVICES stated they did not release any information to a third party. I have attached a copy of my consumer report as an Exhibit. It clearly reflects ABSOLUTE RECOVERY SERVICES as the furnisher of information. Therefore, ABSOLUTE RECOVERY SERVICES did in fact share information with third party. 
I never had a contract, nor have I ever conducted business with ABSOLUTE RECOVERY SERVICES. I had an agreement with XXXX XXXX. Therefore, at this time Im requesting that ABSOLUTE RECOVERY SERVICES provide me a copy of a Trilateral Contract that bid me and giving your company lawful authority to collect payment. Yes, this happened 2 years ago. Congress makes it very clear there is no statute of limitation on the discovery of fraud. 
ABSOLUTE RECOVERY SERVICES claims to have followed The Fair Debt Collection Practices Act guidelines is this matter is a lie. 
Under the FDCPA, 15 USC 1692c, it states a debt collector shall not communicate with a consumer without the prior consent of the consumer given directly to the debt collector. I never gave ABSOLUTE RECOVERY SERVICE consent to contact me about this alleged debt, which is a violation.

As I stated in the initial complaint, ABSOLUTE RECOVERY SERVICES violated me in accordance with 15 USC 1692d ( 4 ). I was coerced into paying this account with ABSOLUTE RECOVERY SERVICES, not knowing they had no lawful authority to collect payment. 
Its very obvious that the person that responded to my initial complaint doesnt understand nor overstand federal laws and ignorance of the law is no excuse. As it was stated this account will continue to report until the bureaus remove it. Well, theres only one bureau and that's the CFBP. The other three are Consumer Reporting Agencies.

There's nothing under the Fair Credit Reporting Act that requires a creditor or debt collector to report negative information. Negative information should not be furnished to my credit report without lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ). Your company is committing unlawful extortionate means such as furnishing nonpublic personal information, which carry a fine under this title or imprisoned not more than 20 years or both, 18 USC 894.

I have shown you the laws that protect me as a consumer and you have been put on notice through this government site. In accordance with 15 USC 1692c ( c ), you are hereby to cease the illegal reporting of this account with all third party that it was shared with immediately. If this matter cant be resolved outside of court, then if you continue to report this negative information, I will be filing a claim in federal court for damages and enforcing those 20 years, along with 18 USC 1028a for aggravated identity theft.
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Automatic Data Processing, Inc. (IL)

ADP took my wages when there was no judgment in the court of law against me. I was sent via USPS a letter from XXXX XXXX XXXX for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for XXXX XXXX  XXXX stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called XXXX XXXX XXXX and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at XXXX XXXX XXXX I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. ADP did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at ADP I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again. I have documentation stating to come back XX/XX/XXXX which they are saying is invalid. Its a court order with an official stamp staring my employer didnt respond when they were supposed to do.
Consumer complaint received 2017-07-11
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: Experian Information Solutions Inc. (CA)

I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name.
I did call XXXX  to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX XXXX XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX InquiryXX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX XXXX :XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX  : InquiryXX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (NC)

The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it?

Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, XXXX, Equifax and XXXX seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies.

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay.

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

We refinanced our home with PHH Mortagage in XX/XX/2022 and an escrow refund check was issued. We did not receive the check after 30 days. We called customer service and the escalation department to complain and get the issue resolved. A new check was requested on XX/XX/2022. On XX/XX/2022 we received the original XXXX check with a USPS stamp of XX/XX/2022. This check was worthless as it was canceled when a new check was requested. As of XX/XX/2022, we still don't have our escrow refund check, that is past 30 days of the original XXXX date when the closing happened.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (IN)

I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. 
However, I then got a statement to pay that interest. 
I called and they said they reversed the charge, I have also closed this account. 
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. 
This needs to be resolved. 
This account is paid in full and I owe nothing.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Not only am I suddenly unable to login to my account online but I am being charged " interest '' on a paid in full credit card account. 
There was a balance transfer and then there was a payment made to pay the remaining balance in full. 
I am being charged interest for the day it was paid off. 
The representative, whom I can not understand, rambled off some reason why and its not accurate. 
When I logged in the account stated the balance remaining ( not the statement balance ) and I paid that amount. 
I owe nothing. 
Called twice, transferred several times, hung up on twice ( the phone calls drop ), and so I am making this complaint.