davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I called into Experian to dispute inaccurate information, remove past addresses, phone numbers, employers, etc. 
The first representative was incredibly unhelpful and violated second 605 and 609 of the FCRA by refusing to dispute inaccurate information, removing outdated information. 

The representative outright refused to dispute addresses and names. When I asked to speak to a supervisor, she outright refused to transfer me. Eventually I threatened a complaint with the CFPB if she refused to assist with removing the information and disputing inaccurate information and accounts on my credit report. 

At this time, per the FCRA pending legal action will be taken if this is not resolved. You can reach out to me via email or phone listed in my credit report. This is a direct violation of my consumer rights and the FCRA.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On Friday XX/XX/2018, I conducted a conversation with XXXX XXXX XXXX XXXX XXXX XXXX regarding the late fees and interests charges to my account. In speaking with a representative, I was told that my payment was received, however the form of payment was not shown. I explained to the representative that I made a full payment of {$160.00} on XX/XX/2018 putting my account into a XXXX balance owe. This amount was reported by the automated system upon making the payment. The representative was unable to assist any further. I was then transferred to a Supervisor to further discussed my grievance. I repeated what was stated to me by the representative prior. The supervisor then explained he was not certain where the previous representative was looking for this information. He stated when my payment was received and indicated that my balance was {$180.00} and that is what i was responsible to pay. I repeatedly disputed this amount with him stating that its was not the correct amount owed and to further investigate. In which i was told no further result would come of it. We were not able to resolve this matter. I would strongly like an investigation to be done as this is now beginning to affect my credit rating as well as negative reporting due to the companies lack of investigation. Thank You for you time, Ms XXXX XXXX
Consumer complaint received 2015-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Lawn service plan was expired on XXXX properties, but XXXX, decided to continue, so after I received the invoice I disputed them. 
After they had instructed TRANSWORLD SYSTEMS INC to collect payment. I reluctantly made payments for both properties, but still do date they are sending me letters indicated that I still owe them.
Consumer complaint received 2022-12-17
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. (GA)

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 XXXX 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-12-17
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. (GA)

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. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding was notified by there collection agency XXXX XXXX XXXX XXXX of a debt that was sent to them that it was exempt from debt collection yet LVNV sends another debt to collector knowing that it would be exempt from collection like the first one they seen to like to try and collect on exempt funds what they don't have a list they look at first to see if what they brought that this person is exempt before going after the debt.
Consumer complaint received 2022-05-23
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. (MI)

i disputed several times regarding two accounts that shouldn't be on my report and charge off and a account that was reinserted after being deleted.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

CEASE AND DESIST XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXX Dear XXXX XXXX XXXX, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL & FTC THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Consumer complaint received 2023-02-06
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)

Experian is reporting a charged off account on my reports with XXXX that I have been disputing for some time now. Experian has been in violation of my rights of a consumer concerning this account for quite a while now and refuses to conduct a proper investigation into this account and report inaccuracies on my report. They first deleted the account from my reports and reinserted it without proper warning or communication. They are now reporting inaccurate late payments as well. They clearly state on my report that this account received a payment in XXXX XXXX XXXX however they are also reporting this account as 180 days late for this same month. How is it that a payment was captured but the account is late? This is not possible. It is very concerning that Experian can violate the consumer laws and prevent me from getting approved when they are in clear violation of the law and yet I am the only one that gets negatively impacted. I am demanding that this account is deleted from my report.
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

this is my second complaint. i have been sending documents along with the updated application for several months now and every time I send in the list of documents needed, they keep saying something different when I call in for a status update. I even include the list of documents that the emailed me on missing documents. I recently called again after submitting everything on the list sent to me and now she is stating that I still have other documents. I feel that this a stall tactic for time to run out. 

I never received any document for court for foreclosure they just kept asking for more documents. 

I didn't find out that my home was in foreclosure status until people kept calling asking did I want to sell my property before foreclosure take place. they are the one that gave me my foreclosure date, the I called the mortgage company to confirm this information. I then asked why I hadn't been notified with all of the calls and communication I have had with them. they said it was sent in the mail and I never responded. I informed them that it was because I never received any notice. Had I had received this noticed I would mentioned it in the many conversations we have had trying to complete the modification application. 

i have submitted the documents she stated I need this last call last week, however she refused to email me a list of missing documents this time. She stated she couldn't and I informed her that the representatives that I have spoken to in the pass sent me a list so I would be able to know exactly what I need. So I did send in what she said I needed on both of loan accounts
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX  XXXX {$9000.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX & XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX  XXXX {$320.00} XX/XX/XXXX XXXX  XXXX  XXXX {$510.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-17
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. (GA)

The ITEMS listed below are reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-23
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. (MO)

I'm looking at some late payments on Experian from four different accounts. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are several accounts with XXXX. The late payments should not be showing for these accounts. 15USC 1981 Section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 also states a consumer reported agency can't furnish an account without a written instruction. 15USC 1666B states a creditor may not treat a payment under late. The united states code Law 15 U.S. Code 1666b. Timing of payments- A creditor may not treat a payment on a credit account under an open end consumer credit plan a s late for any purpose.
Consumer complaint received 2022-05-23
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. (CA)

XXXX XXXX account # XXXX high balance ; {$11000.00} Date of last Activity ; XX/XX/XXXX last payment ; XX/XX/XXXX For the past 18months Experian has been reporting a charge off which is inaccurate information on my credit report after I have continuously asked them to investigate. If these numbers are supposed to be the same, if you're getting the same information from the same creditors why are these numbers so vastly different.. another complaint is the fact that they're saying that I made a payment on XX/XX/XXXX I never made a payment so I thought that was strange.. on my credit report it says that I can contact the original creditor..I called XXXX XXXX and they were scared to answer any questions stating they no longer have my account it has been sold to a debt collector that's not even on my credit report.. I contact the collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx .... to ask them to verify this debt they stated I owe XXXX neither of the three bureaus are reporting ACCURATE INFORMATION... PLEASE DELETE ACCOUNT ... XXXX also took me to court and the judge dismissed the case I've enclosed documents of the final judgment I don't owe anything.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sarma (TX)

I have a collection with SARMA -account # XXXX totaling {$9900.00} from XX/XX/XXXX. The original creditor ( XXXX ) and myself came to an agreement and they took back the debt and closed the account. On XX/XX/XXXX XXXX removed this collection from my credit report but XXXX did not. It stills shows as open. I need SARMA to contact all XXXX credit bureaus and remove the collection from my credit report asap. Thank you.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (TX)

I set up a XXXX with XXXX XXXX and agreed to pay {$150.00} setup fee for a years service. Upon set up, XXXX XXXX never disclosed there would be a {$230.00} filing fee with the State. However, XXXX XXXX took {$230.00} those filing funds from my credit card without my authorization. I no longer want or need XXXX XXXX service, and don't want to continue the service for an additional year. I have made this well known to XXXX XXXX on several occasions, and also filed a report with the XXXX, which they know about. There are several complaints registered on the XXXX  website, with the identical problem. XXXX XXXX wants me to file a report with the state of Nevada, to close my XXXX. Since XXXX XXXX registered the XXXX without my consent, then it is their responsibility to file the necessary paperwork at their expense to correct their mistake. I have been continually harassed by first XXXX XXXX and then collection agencies for {$150.00} renewal, which I don't want. XXXX XXXX needs to stop any further correspondence with me, repay the {$230.00} they took from my account with my authorization. XXXX XXXX to file any necessary paperwork at their expense to close the XXXX, which was never disclosed to me. In additional XXXX XXXX needs to stop their deceitful business practice, of not informing customers of all the fees required to start a XXXX with them.
Consumer complaint received 2022-05-23
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. (GA)

I sent XXXXXXXX XXXX a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and Equifax are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when Equifax and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also Equifax has added the XXXX alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Financial Credit Service, Inc. (FL)

XX/XX/XXXX I rec 'd phone call from " unknown '' who turned out to be XXXX XXXX XXXX out of Illinois trying to collect a debt that was not my husbands debt, but his ex-wife 's. My husband never had a credit card in his name until XXXX. They told me, if I did not agree to the terms and give them a 'good faith ' payment today, they would garnish my husbands paycheck and put a lien on my car. Of course I got upset, not thinking straight and paid them {$100.00}. After further research on my part, I realized that this was a scam to collect an old debt. I called my credit card company, told them I was scammed, and that I need to cancel the card. This company has over 100 negative complaints against them on XXXX website, all complaints are about the company trying to collect on old debt. Then I realized that the last know activity on the account is from XXXX. I am awaiting a letter from the company. They stated they would be mailing me out one today.
Consumer complaint received 2022-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (PA)

I need your help. I bought a XXXX XXXX XXXX in XXXX. My salesman told me that it comes with a XXXX warranty. My transmission went out yesterday. My mechanic told me this make of car has been having transmission problems for years But my salesman told me it's a great car and deal. Should he have mentioned the transmission problem with these cars? I was just looking through my paperwork and he charged me for his so called warranty but it's a service contact. He time it's included. Also last year I had problems with my brakes, oxygen sensor, and engine stalling for no reason. When I went to the service department I was told my warranty expired and it's not covered. But I service contract covers this. That was illegally added to my loan. They took advantage of me cause I'm a woman and a senior. I want all my money back I spent on repairs and for illegally adding warranty charge to my conract. I also want to return the car and get all monies paid on car to Santander financing.
Consumer complaint received 2022-05-23
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. (AZ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A. SECTION I. I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A.SECTION 2. STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX  XX/XX/XXXX {$450.00}
Consumer complaint received 2022-05-23
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: Continental Finance Company, LLC (FL)

In accordance with the fair credit reporting act XXXX  account number # XXXX XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open and consumer credit plan as late for any purpose.