davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates (GA)

On XX/XX/2022, I sent a certified letter to Creditors Bureau Associates requesting debt validation of the alleged debt XXXX that I owe. The company never signed for the letter according to the tracking update ; however, I received a print out of the billing statement of the alleged debt. The company immediately placed this account on my credit report during my phase of disputing this account. Credit Bureau Associates has diminished my confidence in the banking system and have committed fraud by placing inaccurate unverifiable information on my credit report. I requested for the company to send me validation that I have a contract which would make me liable for the alleged debt. After further investigation of this company, Creditors Bureau Associates is not license to conduct business as a debt collector in Georgia. XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

Fifth Third Bank sent a final statement in the amount of {$1200.00} with a due date of XX/XX/22. I was unprepared to pay the amount, as my normal payment is {$350.00}. However, I received a deferment due to COVID-19 hardship and was informed that the final payment was higher because it included those XXXX months rather than the number of months being extended as I initially thought when I requested the deferment. Given the surprise increased payment, I could only afford to make my normal payment that month ( XXXX ). The remainder amount ( {$860.00} ) was paid on XX/XX/22, which was a Sunday. Unfortunately, Fifth Third Banks payment cutoff time is XXXX XXXX Monday-Friday ; therefore, they do not process payments on the weekend, which is when the due date would have been for being considered 30 days late. The following Monday ( XXXX ) was also XXXX XXXX and Fifth Third Bank does not process payments on holidays. Therefore, the payment was not processed and posted until the XXXX. Given that Fifth Third Bank offers no method for receiving/processing payment on weekends ( which would have been the due date for being considered 30 days late ) and given that they were also closed the following Monday for payment receipt/processing, I do not believe that my payment should be considered 30 days late for any purpose, including credit reporting purposes. According to Regulation Z, Part 1026, the creditor may generally not treat a payment received the next business day as late for any purpose when the creditor does not receive or accept payments on the due date.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC (FL)

On XX/XX/XXXX I received a call from Williams Rush & Associates. They stated I have a debt that I owe from XXXX. I asked for proof of this debt to be sent to me. He stated if I did not take care of this date now, it would be reported to the credit bureaus. It has now appeared on said reports.
Consumer complaint received 2022-04-18
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. (NC)

n accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-10-19
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Data and Contact Management Solutions, LLC (SC)

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. 

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XXXX  you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (FL)

I satisfied my account with XXXX / Genesis on XX/XX/2022 through their attorney 's office XXXX XXXX XXXX. I have attempted multiple times to get a letter from XXXX / Genesis directly showing my account XXXX a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KS)

I met this guy on XXXX XXXX, his name on XXXX was XXXX XXXX and had quite trustworthy profile. He had previously shipped an item through XXXX and had around XXXX seller reveiws. He seemed like a mature guy and had a wife and XXXX kids. He was selling XXXX XXXX XXXX. I was looking for such a phone so I ordered it through XXXX XXXX. He reached out to me when we negotiated on the price and asked me to cancel the order because if I placed the order through XXXX, they will make him wait to receive the money. He then asked me to transfer the money through Zelle to his account after which he will send me the XXXX. He gave me his Zelle address which was XXXX where his name appeared to be XXXX and I transferred him {$450.00} under the confirmation number XXXX. He said his brother also has XXXX in his name but they both prefer XXXX. He said he will send the phone and created a shipping label and sent me pictures of the phone in the box. He told me he will send it through USPS and provided me with the tracking number. He also told me to expect the phone by Wednesday the XXXX XXXX XXXX. I often checked the tracking number on USPS website but it always said label created USPS awaiting item. I got worried around Monday as he could create a label from anywhere. I texted him and asked to check the status of the shipping to which he responded that he would once he reaches back home but he never did. I texted him again after a while and he did not read the message. I tried to go to his profile but at this point when I clicked on his account a page popped up which said content not available. He either blocked me or deactivated his account, since he got the money. I am a student and absolutely can not afford to lose {$450.00} like that. I tried talking to my bank but they said they can not do anything regarding scams. He initially gave me a number too just to gain my trust. This is the number he provided XXXX, I tried calling this number but he won't answer.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (TN)

According to the FCRA and CFPB new law Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports.

Also this medical debt Violates The No Surpise act was i ever notified of this account being reported on my account. 

As you can see XXXX and XXXX already Deleted XXXX from there Credit reporting Agency.
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I have applied for Public Service Loan Forgiveness and submitted all required documentation. I have met all requirements to have my loans discharged under the PSLF waiver. My payment counts have not updated since XX/XX/2022 despite multiple attempts at contacting Mohela to have my payment counts updated.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with XXXX  XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my credit score to drop XXXX points with XXXX and XXXX points with Equifax. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. XXXX allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the U.S. Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with XXXX  XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my credit score to drop XXXX points with TransUnion and XXXX points with XXXX. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. TransUnion allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the XXXX Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following information that Credit Bureaus are reporting in error. 
Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In 2018 I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over XXXXive to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies.

I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.
Consumer complaint received 2022-04-18
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. (TN)

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed late payment
Consumer complaint received 2022-04-18
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)

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 # XXXX XXXX  # XXXX XXXX/XXXX  # XXXX XXXX  XXXX  XXXX/XXXX  # XXXX 15 U.S.C 1681 section 602 A. States that I have to 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 ) : also states that 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 2020-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC (FL)

I tried to buy a dog and the scammers asked me to send money through XXXX XXXX and I said no. My money is not protected. Not knowing using Zelle its unprotected. I said I will do Zelle. The people pretending tot sell the dog were scam artist and knew that Zelle doesn't protect consumers. XXXX XXXX who I bank with are not helping me to get my money back. I went to them to get help for them to tell me the financial institution on the scam artist bank and they never told me.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

Increased monthly mortgage payment on a fixed note. The past year, the servicer initially included addition {$140.00} to each monthly payment without an explanation ; just " interest short. '' Numerous calls to the loan servicer, Rushmore Loan Management Services were to no avail. Submitted a registered mail for why my fixed payment changed under RESPA on XX/XX/2022. XXXX referred that I need to contact the mortgagor. Essentially, my payments have gone up from {$1300.00} monthly to {$1600.00} without any explanation to why. I can't get an answer why my amortized monthly payment changed from {$1300.00} to {$1600.00} and why the mortgagor or loan service failed to inform on any changes to the loan.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2022, I received a copy of my Transunion consumer report and noticed a report of a public record. I sent Transunion a dispute letter notifying them of the error and demanded that it be removed. 
On XX/XX/2022 I received a notice from Transunion stating they had completed there investigation of my dispute and the account was " updated. '' Transunion also noted on the letter that what was updated is " not specified. '' I went back to review the report I received in XXXX and then compared it to the " updated '' entry and I see no change at all. This account is reporting today the same as it was before. Transunion has NOT properly investigated this account and is willfully reporting incorrect and inaccurate information on my report. 
According to the FCRA, in order for Transunion to report the alleged US BANKRUPTCY COURT it would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX, whom Transunion states on their website public record information is obtained from, that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Transunion is breaking several federal laws and committing fraud according to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ), and I HAVE NOT given any direct or indirect instruction to furnish any of my information.
Consumer complaint received 2022-04-18
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. (NV)

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$24000.00} This does not belong to me XXXX XXXX, XX/XX/XXXX, {$1200.00}, This does not belong to me XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. This does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, This does not belong to me. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX. This does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$36000.00XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX, {$10000.00}, XX/XX/XXXX. Does not belong to me.
Consumer complaint received 2022-04-18
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. (NV)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$24000.00} This does not belong to me XXXX XXXX, XX/XX/XXXX, {$1200.00}, This does not belong to me XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. This does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, This does not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This does not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX freedom financial XXXX, XXXX XXXX. {$36000.00} XXXX XXXX XXXX  XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX, {$10000.00}, XX/XX/XXXX. Does not belong to me.
Consumer complaint received 2022-04-18
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. (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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-04-18
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.