davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (OK)

Please be advised that this is my SECOND WRITTEN REQUEST for them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked?

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Creditor 1 : XXXX XXXX XXXX  * Please remove all non-account holding inquiries over 30 days old. Also and place a suppression on my credit.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX - First call to Chase Bank regarding a {$1700.00} deduction from my checking account. The payment breakdown states 'escrow '. I am now overdraft with no additional money for groceries or child care. I call Customer Service. Customer service explains that Chase paid my escrow account in XX/XX/XXXX. I explained that I paid my XX/XX/XXXX taxes in XX/XX/XXXX and there was no reason for them to pay and there was no communication to me that they were going to pay it. Chase had just purchased my mortgage from XXXX XXXXXXXX XXXX XXXX. I stated that I would like my {$1700.00} back. They stated I needed to speak with someone in the tax department. 

XX/XX/XXXX - I call Chase Bank XXXX department. I inform them they overpaid taxes on my property and they needed to ask for a refund from the county tax department and also refund the {$1700.00} they took from my bank account. I also asked them to close any escrow account associated with my name and mortgage. Chase stated they can not refund the money until they get the refund back from the county tax collector. I reiterated that it was their mistake and I'm essentially paying for their mistake. They said someone would call me back. 

XX/XX/XXXX - XX/XX/XXXX - no communication. 

XX/XX/XXXX, XXXX Chase Bank calls to check in on me from a local branch. I explain the situation, that I have been out {$1700.00} and have been waiting for someone to call me back. The lady on the phone explains that she had no idea and there is no record of any conversation on my account. She puts me in touch with the tax department and we have the same conversation regarding the over payment to the County Tax Collector by Chase. They say, I will get my money back once Chase gets a refund from the county tax collector in XXXX days. I explain, that I am paying for Chase 's mistake and I would like my money back, I have already been short {$1700.00} for XXXX days and I'm going to have to wait another XXXX days before I get my money back- they said to call customer service. 

Extremely frustrated that a bank the size of Chase can go ahead an basically take ( steal ) money out of my account without any communication or notification. They made a mistake and I'm paying for it. I'm looking for someone to assist as Chase doesn't seem to care the hardship I have been under this past month without money for necessities.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management placed one collection account on my credit report without any prior written communication about this at all. It seems Midland Credit Management purchased this account ( XXXX ) from another creditor in the amount of {$620.00}. I request that you please verify the following... 1. Full original account number. 2. Date original account was opened. 3. Any written agreements between myself and the original creditor stating that this debt is owed. 4. Full account summary on how the charges added up to {$620.00}. 5. Date of first delinquency. If Midland Credit Management is unable to provide the above identifying account information, this information must be deleted from all CRAs. Midland Credit Management also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed XXXX time frame that is allowed by federal law.
Consumer complaint received 2022-01-31
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. (IL)

XXXX account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-31
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I'm disputing on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
I've tried submitting my documents several times but the bureaus seem to be ignoring my disputes.
Consumer complaint received 2022-01-31
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. (AZ)

Good Afternoon- In XXXX of last year I purchased a new vehicle. XXXX XXXX is to whom I owe my loan to. However XX/XX/2022 I tested positive for XXXX XXXX. While being sick many financial complications came with it. When I called the auto loan department on the XXXX of XXXX when my payment was due she stated I had 30 days to make the payment. Today is XX/XX/XXXX and I called to confirm my payment and she said it was now 30 days late and will now be reported to all 3 credit departments. 

My payment was made however they never once contacted me via phone or email to let me know it was due. Today she updated all of my personal info. Email, phone and Address. I discovered it was all in correct and the agent said the phone number they have for me was completely different from what I stated. How was i supposed to receive calls to make my payment if the info they have was not correct. 

If I would have known it would affect my credit when I called on the XXXX I would have made my payment. 

Thank you kindly
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal informatio. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-02-19
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( copy & paste each one from your credit report that is negative right here ), 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 2022-10-01
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. (IL)

I contacted both the creditor and the credit bureaus about inaccurate information that was on my credit account. I should proof of the matter and they still are saying the accounts was verified. I asked for proof ( all paper work/info ) to be sent to me about how they verified the accounts. They still have not sent me any proof to back up their decision. I contacted them three plus times and still nothing.
Consumer complaint received 2022-01-31
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. (NY)

I am a victim of identity theft, the following information reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. 
Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2019-11-29
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (CA)

I have a 28 year good standing credit report, not a single missed payment - until : 4 years ago I started a lease with Ally XXXX  and I paid the original payment through their web portal. After the payment I signed up so that the bank information was taken over for ACH. Ally must have had a technical problem with their web interface at the time, because the initial ACH didn't work. The company immediately filed a missed payment on my credit report. I have not missed a single payment after the setup incident, I bought even out the car, all without a problem. But neither 3 1/2 years ago nor now, did my request for removal of the credit report fall on open ears with Ally XXXX, who are on the Internet found with many complaints of similar nature. Ally is in the business of destroying their customers even for faults that they generated. 
I would like to get this resolved. 
regards XXXX
Consumer complaint received 2022-01-31
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: Shellpoint Partners, LLC (FL)

XXXX My name is XXXX XXXX loan number XXXX, Shellpoint Motrgaging Service, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by covid and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul covid symptoms. Once my forbearance period ended, I was told that I needed to make XXXX trial payments in XXXX, XXXX, and XXXX of XXXX. I even made XXXX payment on XXXX of XXXX. 

I made these XXXX payments on time and was given a new loan modification. The following is a direct quote from XXXX XXXX passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account.  '' XXXX XXXX XXXXXXXX Shellpoint is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made XXXX payments in a row as they have requested. 
My first request is that they immediately fix this error and report me to the XXXX credit bureaus as the current which is in accordance with US law. 

My second request is that Shellpoint lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had XXXX  years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
Shellpoint has raised my monthly payment and added XXXX  years to my previous payment. 

XXXX  years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

XXXX bless you, XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

Good Afternoon- In XXXX of last year I purchased a new vehicle. Wells Fargo is to whom I owe my loan to. However XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  While being sick many financial complications came with it. When I called the auto loan department on the XXXX of XXXX when my payment was due she stated I had 30 days to make the payment. Today is XX/XX/XXXX and I called to confirm my payment and she said it was now 30 days late and will now be reported to all 3 credit departments. 

My payment was made however they never once contacted me via phone or email to let me know it was due. Today she updated all of my personal info. Email, phone and Address. I discovered it was all in correct and the agent said the phone number they have for me was completely different from what I stated. How was i supposed to receive calls to make my payment if the info they have was not correct. 

If I would have known it would affect my credit when I called on the XXXX I would have made my payment. 

Thank you kindly
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AL)

After reviewing my credit profile I identified a discrepancy with an account listed under National Credit Systems and validation was requested by email on XX/XX/XXXX as this was an account I did not recognize and would like more information as to how this could be my debt. I reviewed my credit report again XX/XX/XXXX and the account still reflects on my credit report and I have yet to received any correspondence from the creditor to validate this account as correct.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CT)

XX/XX/19, {$460.00} - rental scam. I found a rental on XXXX XXXX in XXXX that was available. They asked if I could send payment through XXXX. I never heard of it. As soon as I looked it up it was actually part of my TD Bank app. I felt more comfortable knowing this since it was part of my TD Bank that this is a trusted site and my bank is aware of the person I am sending the money to. If they didn't know who uses XXXX they would not have them as part of a money transfer company on their app. Even when I typed in the email the person provided, the app was like you mean " XXXX '' because I typed in the email which had XXXX. I trusted TD Bank to protect me as their customer. As soon as I realized I got scammed ( in front of the rental that did not belong to them ), I called TD Bank to stop payment. They said they could not help me that it needed to post first. How could my bank let this happen to me. They are there to protect their customers. I guess it's not their money so they didn't care. We went to the police station right away to file a claim because now we don't have the money or a rental ( took us 5 hours to get there from where we live ). We had to scramble and try to find a rental which was not in our budget but we had no other option. Upon returning home, I called TD Bank and filed a claim. I was told that this would be taken care of and she apologized to me and said I would be credited back the money. She told me to get the police report and fax it to them. Two weeks later I was able to get the police report and faxed it to TD Bank. Three weeks go by and I still haven't heard anything. I called them today and they said there's nothing they can do. I told them it's their fault because I trusted their site and why would they have apps on their site that were not verified. They make me go through hoops when I'm out of town but yet they let anyone set up fake accounts and transfer money??? They are supposed to protect their customers but this is not the case. He rep told me to go to law enforcement and see what they can do for me. I already filed a claim with the MA police department as soon as this happened. This is ridiculous! I will no longer be doing business with TD Bank since they do not protect their customers from fraudulent transactions. That app should not be associated with their site at all if they can't verify the customers that use it.
Consumer complaint received 2022-10-01
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. (FL)

My personal credit report # XXXX with Experian XXXX XXXX Includes a fraudulent account with XXXX XXXX XXXX XXXX Acct # XXXX ). I have contacted them in reference to removing this item because it was fraudulent. My personal information was found in a data breach with XXXX so i believe this item to be associated with that I have included the FTC Report # XXXX. The FTC report attached contains a written statement in compliance with the FCRA 605 ( b ) guidelines. I have also attached a copy of my drivers license and social security card in accordance with the same statute. Also in this complaint I have also attached a picture of the fraudulent debt for verification purposes. I would like to get this issue resolved because I have tried dealing with Experian over the phone and by online dispute to no avail. 
Thank you. 
XXXX XXXX