davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hello, XXXX release - payoff letter from Fifth Third bank My husband and I took out a loan in XXXX with XXXX XXXX XXXX XXXX  in XXXX. XXXX XXXX  failed, XXXX XXXX assumed then Fifth Third Bank took over. Our loan was due in XXXX. We have never received pay off paperwork from them. For over a month now I have been trying to get a pay off - lien release anything from this bank to close on the parking spot as a developer came in and bought the entire building. My funds are currently being held in escrow until documentation is received. We are calling fifth third bank with a different representative each time saying someone will get back to us to no avail after a month of calls and a fax. The law firm and new buyer are waiting on this document. We are needing help. No one at the fifth third bank or a local supervisor in the bank know what to do. Since the loan is over 7 years they keep telling me 5 days but this is over a month. 

We are not customers of Fifth Third Bank but due to them assuming the loans from the failed bank XXXX XXXX XXXX  it falls under their jurisdiction. 

Can someone please help us get this payoff release so we can close out on this bulk sale. 

Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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. (MN)

There is no Inquiry for this company on my credit report, because I never applied for their loan. Where is the proof that I applied for this loan? I never furnished my social security number to this company, nor did I ever have any verbal communication with this company. I have no idea how they obtained my information, but I never applied for this loan. Ask them what is my social security number, and how did they get this information. I am not showing any inquiry from this company that I applied for this loan on my credit report. This company just popped up on my Experian credit file saying I owe this money. They even reported I made a payment in XX/XX/2022 which is false, just so they can come back later to report 2 delinquent payment, and then added a statement in XX/XX/2022 saying " never made a payment ''. This company is fraudulent reporting false information on my credit file. Please see supporting documentation, showing never inquired, or done business and XXXX  reporting false information.
Consumer complaint received 2022-04-21
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. (AL)

In accordance with the Fir 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. 
XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XX/XX/XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 
XXXX XXXX Finance/Personal XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights.

15 USC 1681 Section 602 A 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 written consent.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

I switched from Regions bank in 2021 because their overdraft fees was rediculous and overdrafts was shady like one month it would only let me overdraft by atm, the next it would only approve in store transactions, sometimes it would only approve certain transactions such as phone bill water bill. It made no sense.They charged me {$1200.00} overdraft so I switched banks and have had no problems since.
Consumer complaint received 2022-10-14
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX  XXXX  XXXX Original creditor : XXXX  XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  Inquired on XX/XX/2022 XXXX
Consumer complaint received 2022-04-21
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. (AL)

In accordance with the Fir 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. 
XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXXXXXX XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A 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 written consent.
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Error, inaccurate information. Im not an authorized user, and neither do I have a Capital One account, my name is inaccurate my name is not XXXX XXXX, or XXXX XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants' Credit Guide Company (AZ)

I have a both a fraudulant collection and inquiries on my XXXX. I have tried going direct to bureau and companies to have this removed. They have already been removed on my experian for the same reason and I have the right to an accurate credit profile according to the FCRA. 

Collection account - Merchants Credit Guide ( {$570.00} ) Fraud Inquiries - XXXXXXXX XXXX XXXX XXXX  Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC (MD)

XXXX XXXX XXXX, Chief Executive Officer ( CEO ), of SELENE FINANCE LP has been attempting to collect on an alleged debt since XX/XX/XXXX. The debt was already paid/discharged with a NOTE way back in XXXX. There is a pending case in the county court regarding this matter that they took over in XX/XX/XXXX. There is no contract with SELENE FINANCE LP. They are a third-party debt collector interloper.
Consumer complaint received 2022-07-12
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. (UT)

In accordance with the Fair Credit Reporting in EXPERIAN : XXXX  XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX 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 2022-04-20
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. (SC)

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, 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.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have sent Identity Theft reports to Equifax, I have called them several times and Equifax still showing those unauthorized/fraudulent inquiries in my credit file. I have filed disputes using myequifax.com and the next day that I file the dispute I get a response that those inquiries will stay in my file because they are factual records on file. I am attaching my last dispute letter to this complaint together with the Identity Theft Reports. 
Companies like XXXX XXXX and XXXXXXXX XXXX  has sent letters and requests to Equifax to remove the unauthorized/fraudulent inquiries but Equifax has not attended those request keeping those questioned inquiries in my file causing several damages to my credit and financial reputation. 

I am serving my last dispute attempt attached to this complaint dates XX/XX/2022
Consumer complaint received 2022-04-20
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 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 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 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I settled my debt with XXXX consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from Experian and XXXX. Beyond the settlement, XXXX was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.
Consumer complaint received 2022-04-20
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. (FL)

I settled my debt with XXXX consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from XXXX and Equifax. Beyond the settlement, XXXX was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.
Consumer complaint received 2022-07-12
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. (VA)

I sent Experian a dispute letter dated XXXX, XXXX, XXXX after discovering that they BROKE THE LAW! What Experian is reporting on my credit report is inaccurate. My confidence in Experian 's process has been undermined because Experian claims the account meets the Fair Credit Reporting Act but that can not be true when the account is still inaccurate. Experian sent results to me without properly investigating the information XXXX XXXX XXXX is reporting for account number XXXX. Experian updated the account instead of removing it after I informed them that the information they were reporting was inaccurate. The account still remains inaccurate for several reasons, such as this account repotting a late payment but a collection account CAN NOT report a late payment. Also, the term is listed as a XXXX  month term but I never entered into any terms with XXXX XXXX and there are no documents bearing my signature to prove this. The balance on this account is inaccurate and the date opened is also inaccurate. With all these errors still reporting there is no way Experian properly investigated this information. Furthermore, Experian did not provide me with any original documents from the Original Credit to prove the validity of this information. It is obvious Experian did not read my letter because they did not address anything I outlined in my dispute letter. I explained in my dispute letter and provided highlighted attachments from the U.S. Code to prove how Experian broke the following laws : 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1681 ( a ) ( 4 ) U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) 15 U.S. Code 1681 ( a ) ( 3 ) Experian is also reporting incorrect addresses, phone number and versions of my name in their database. Attached to this complaint is my letter to Experian, the U.S. Code attachments of laws Experian broke and a copy of the results Experian sent me.
Consumer complaint received 2022-04-20
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. (FL)

In 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 an account without my written instructions
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (OH)

We were two months away from paying off the lease in 2018. They repossessed the car and sold the car. We thought the car was paid off. This is blocking our ability to obtain a mortgage. GM financial failed to provide proof of debt when requested through the credit bureau.
Consumer complaint received 2022-10-14
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. (GA)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190000.00}
Consumer complaint received 2019-08-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Medical Recovery Services, LLC (ID)

i got a letter from Medical recovery services, they threatened to have the sherriff to garnish my wages and levy my property, furniture, vehicle, etc. threatened to sue metake anything i own. they should already know im on social security and ssi. the amount is wrong too, the amount i owed the ambulance was around XXXX, the letter was from a place in XXXX  XXXX idaho. not sure who really has this account.
Consumer complaint received 2024-04-22
Product: Credit reporting 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)

Dear CFPB, Pursuant to relevant laws under the Fair Credit Reporting Act ( FCRA ), I hereby lodge a complaint against TransUnion, which is a consumer reporting agency, for violations of my consumer rights. I have a case number for my Claim from TransUnion in this matter which is XXXX. I called in on a recorded line and stated the below relevant laws to their employee and their manager and they did not comply with my lawful demands. I stated to them the following : Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Additionally, 15 USC 6801 outlines Congress 's policy that financial institutions, including furnishers of information to credit agencies, must respect customer privacy and safeguard nonpublic personal information.

Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. XXXX and the furnisher of information to credit agencies have not obtained my written consent to furnish this information, thereby violating my privacy rights. 

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to exercise nondisclosure options, which was not done in this case. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. This account, being reported without my consent, constitutes a violation of this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) stipulates that information furnished to consumer reporting agencies must be accurate. XXXX and XXXX have failed to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to prevent violations of FCRA sections.

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, which I let them know is my will to be done. I showed them the following was on my consumer report in violation of the relevant laws : them to remove the following off my consumer report as it is done against my will : XXXX XXXX XXXX XXXX and its Alleged balance of {$10000.00}, XXXX XXXX XXXX XXXX and its Alleged balance of {$15000.00}, XXXX XX/XX/XXXXand its Alleged Balance of {$3300.00}, XXXX XXXX XX/XX/XXXXand its Alleged balance of {$7700.00}, XXXX XXXX XXXX XXXX. 

Thank you for your attention to this matter. 
Your immediate attention to this matter is essential. I anticipate a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX XXXXXX/XX/XXXX