davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX and any late payments from merchants 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

It Is not the consumers responsibility to help credit bureaus to do their jobs. I already went into credit karma and updated my address which means, the credit bureaus information is not complete or accurate on my credit accounts.

Furthermore, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their lively hood. 

Best, XXXX XXXX.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

Bank of America is the problem. we now have a servicing company XXXX but before it went to XXXX bank of America put a lender placed insurance policy on our loan and charged {$160000.00} for the policy. This has been going on for years we were paying our own insurance but every time we got a new date on our policy it auto canceled only the date of the policy so XXXX would always put there on policy on the loan til they got proof of us paying our own. I had sent them many copies but they would say they did not get the proof so then I told my insurance agent to sent them 6 copies well out of the XXXX the finally got 2. we are still paying our insurance that is what was on the loan we pay our own insurance and they escrow the taxes. This has been going on for too long and now they are saying that they want to forclose on our  property because it is getting behind because they are using the money on fees. Please help I make my payment every month.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I informed Experian that the following accounts need to be corrected or deleted, pursuant to FCRA 611, because of inaccurate unverifiable payment history. Experian did not conduct an independent investigation, did not correct or update, nor did they provide any documentation to explain how they verified the inaccurate payment history. 

By ignoring my legal requests for a reasonable dispute investigation, Experian illegally extended the investigation, beyond what the law allows. These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Resurgent Capital Services L.P. (MS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-05-26
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. (NY)

I sent a request to experian to up date my name on file once by US postal and then several times electronically with supporting documents, ss card copies, Nys ID passport and they still have not updated my name and address. 
According to the fair credit reporting act, 12 USC 1681, I have the right to privacy. 
Also according to 15 C 6802, no financial institution is supposed to share my information with a 3rd party agency. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (KY)

I contacted a Discover card representative to let them know that I had made a payment using the INCORRECT checking account ( I just switched banks ) and they reported my payment as 30 days late to the credit bureau. They tried to charge it from my old account, when it should have been coming out of the new one. I contacted a rep to tell them it was the wrong account, and I made a payment with the correct one as soon as I got a notification from credit wise saying that they reported me as late. I need to get this removed from the credit report as I have proof that I contacted a discover representative about this problem.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC. (OH)

XXXX XXXX XXXX continues to call and calls my work. They will nlt tell me what debt and it is clear that there is nothing as it does not show on my credit report. Nothing has been sent and i know my rights and send me a teue letter on the debt. This company is trying to scam me.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MA)

I received a letter from ERC for a settlement amount on a previous debt. I paid the settlement amount in full and by the requested due date. Then a few weeks later, I received another letter requesting additional amount. I am not sure why the amount of this debt continues to change.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (FL)

On XXXX on XXXX I Received a phone call from " XXXX XXXX. He refused to give me an ID number or last name. He repeatedly cut me off, called me stupid, and talked over me. I requested a validation of debt several times and was told, no, the company would not be sending me any validation. I requested the document be sent through certified mail, which he refused to do. I also requested the documents be sent through regular mail, which he also refused to do. He used very aggressive scare tactics, telling me that I would be evicted and homeless later on in life unless I paid the collection in FULL. I believe this is in violation of FCRA.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (MD)

PNC Bank offered me a {$200.00} promotion to open a checking account and complete direct deposits and use a debit card. I completed the direct deposits immediately, but I never received a debit card. Now PNC says they wont award me the {$200.00} promotion because I did n't use the card that they never provided me. This is unfair at the least, and deceptive at most.
Consumer complaint received 2017-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (CA)

I have a private institutional loan that was serviced by ACS for several years and I made payments through their website. Recently, I got an email from ACS saying that their company name was changed to Conduent but I would still be able to log into my account with my username and password and make my payments. 
However, that was not the case. I could not log into my account with my credentials. I tried changing my password and after having an unreasonable amount of trouble doing this, I got into my account. Once I was into my account, the website kept displaying error messages when I attempted to make a payment and I was ultimately unable to do anything. 
On two separate days I attempted to send Conduent a message via their " Contact Us '' web form on their website. 
They have never responded to my messages and I have still not been able to make a payment.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I suffered an XXXX data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. 

Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

UNDER 15 U.S.C. 1681c-2 ( c ) ( 2 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2022-05-26
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$400.00} Equifax : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00} XXXX : XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$400.00}
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accounts listed on my credit report. I have noticed that the following accounts are marked as late payment, charge off, or in collections : XXXX XXXX XXXX  XXXX Late Payment Account XXXX  XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Collection Account GUARANTEED XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account I dispute these accounts as inaccurate, and I demand that they be removed from my credit report immediately. I have been working diligently to improve my credit score, and these accounts are unjustly hindering my progress.

Furthermore, I would like to remind you that under the Fair Credit Reporting Act, it is your responsibility to ensure that the information on my credit report is accurate. Inaccurate information can damage my credit score and impact my ability to obtain credit in the future. I am therefore exercising my right under the FCRA to dispute these accounts. 

I am emotionally distressed and frustrated by the damage to my XXXX XXXX caused by these inaccurately reported accounts. I urge you to take immediate action to remove them from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 60 days after the fact, I have not gotten a reaction yet. I have an inclination that I'm being exploited and being overlooked of my questions. Area 611 ( a ), it is doubtlessly expressed that an inability to examine these things inside 30 days gives motivation to eliminate those things from my credit report right away. It has been more than 60 days, so they ought to be erased speedily. I request these records be erased promptly, or I will petition for suit because of the pressure you caused me. My data was additionally affected by the Equifax information break and may have under the control of some unacceptable individual. 

I XXXX XXXX authorize this dispute on behalf of myself. I have not hired or received assistance from any third party company in preparing or submitting my dispute.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits transunion reports {$500.00} XXXX reports {$0.00} XXXX reports {$360.00} they are reporting 3 different dates of last payment on my report transunion and XXXX  are reporting XXXX XXXX  is reporting XX/XX/XXXX but if you look on the 2 year payment history XXXX is also reporting XXXX XXXX  as the date of last payment they are reporting 3 different dates of last active transunion reports XXXX XXXX reports XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX  XXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) 3 ) XXXX  XXXX XXXX  XXXX  ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXXXXXXXXXX  ( XXXX ) 7 ) XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (MD)

In XXXX of XXXX  Suntrust bank made on-line system changes the merged their Mortgage accounts into the same on-line portal that is used for checking account. Starting in XX/XX/XXXX when I took out my mortgage with Suntrust I was eligible to have my checking account fee waived so long as I maintained a minmum daily balance of all combined accounts of {$25000.00}. My mortgage account had well more than that averge daily balance. IN XXXX, XXXX and XX/XX/XXXX, after never having been charged a fee I was charged {$25.00} maintance fees for my checking account. ON our about XX/XX/XXXX I spoke with a representative at Suntrust, who said that the fee was charged in error, that because of the system change my account was not properly linked. I was never notified by mail or electronically of this system change or that any action was required to ensure the fee would not be charged. I was refunded the {$25.00} fee and the representative linked my account. 

In XXXX and XXXX I was again charged the {$25.00} maintenance fee for my checking account. On XX/XX/XXXX I again contacted Suntrust, this time the story changed. I was informed by the representative that ones mortgage account no longer could count towards the {$25000.00} minimum balance fee waiver for signature checking accounts. The representative could not identify when this change occurred or explain why if that was the case I had been receiving a fee waiver for four years. I was refunded ( after a little back and forth and being elevated to a supervisor ) the additional fees I was charged. The supervisor also informed me they do annual checks of all accounts to ensure proper fees are being charged and perhaps in XXXX, which would have been an annual anniversary they saw I was not being charged the fee I should have been. To the extent I had been receiving the fee waiver by accident, at the very least Suntrust should have to notify me of that fact and tell me actions I could take to avoid the fee. I have looked back through my correspondence, which I receive all electronically, and I do not have any notification at anytime over the past four years and certainly not in the past four months when these fees were being charged, that my account was no longer eligible for the fee waiver. The supervisor said that there should have bene a note on my monthly statement. There was no note indicating that there has been a change to my fee waiver status. And perhaps even more disturbing when I commented to the agent that even if there was a note this is the type of thing that should not be buried on a statement as I don't always check them since I review everything via the on-line portal. She agreed and admitted she never actually reads her statements. 

In light of the XXXX XXXX XXXX merger with Suntrust this behavior by Suntrust is very concerning and if this has happened to me I can only imagine the same must have happened to others.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (FL)

After months of having written several letters to Central Financial Control, I received a letter dated XX/XX/XXXX stating that I agreed to accept financial responsibility for medical services provides by XXXX XXXX XXXX XXXX. No where in the information provided was my signature. There was a signature by my wife but I never authorized her to sign on my behalf. Therefore the debt is not mine.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.