davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

i contacted the companies regarding false information on my account and it wasn't properly reviewed by credit bureaus. so, I took it Apon, myself to search laws regarding this here are a few that was found and need to be followed by them. My address is still wrong on all of the bureaus. all violations on credit reports are attached. also is an attachment from FTC 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; 15 U.S. Code 1681s - Administrative enforcement ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
Consumer complaint received 2020-10-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-01
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. (AL)

This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on all three credit reports. I am requesting the permanent removal of these accounts and have them blocked from me personal report ( s ). The accounts are fraudulent, unverifiable, and violate my consumer rights. 

Accounts XXXX XXXX XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX XXXX {$470.00} Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (OH)

Im trying to change my XXXX information from discover to XXXX  XXXX bank. But cant because all of a sudden they remove XXXX from my discover account and no longer can use my email or phone number at any other bank for XXXX. According to XXXX themselves discover marked my number and email as fraud. 

Im not the only person having this issue. With a XXXX search you can see others in the same situation
Consumer complaint received 2020-10-01
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. (AL)

This is an attempt to correct my XXXX XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts and inquiries on all three credit reports. I am requesting the permanent removal of these accounts and have them blocked from me personal report ( s ). The accounts are fraudulent, unverifiable, and violate my consumer rights. 

Accounts XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$470.00} Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (MD)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT LAKES. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The person or organization who has this contract is now the debtor. The reason I asked for my signature is this organization used my signature as form of transaction to sell to other third-party security markets to profit. So therefore, I am not the owner of this debt.
Consumer complaint received 2024-03-13
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-01-04
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)

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. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have a loan with USAA SVG BK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, USAA SVG BK with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-10-01
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. (GA)

XXXX and TransUnion are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants Credit Bureau, Inc. (GA)

I have sent a total of XXXX notices to cease and desist to the credit collection company to stop contacting me via phone and to only contact me via mail on XX/XX/XXXX I sent the last notice via fax to Merchants Credit Bureau has continued to contact me they called me from their number XXXX on XX/XX/XXXX at XXXXXXXX XXXX est XX/XX/XXXX at XXXXXXXX XXXX est XX/XX/XXXX at XXXXXXXX XXXX est
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (CA)

I am cosigner on daughter 's loan. Chrysler Capital collection department is contacting me because they will not accept her last payment via autopay. Her pay off amount is {$3.00} different than her standard monthly payment. She is out of reach right now, and if she does not submit a manual payment, this loan will be put into default. When we sign for automated payment with Chrysler Capital, we expect *all payments* to be made automatically. This is how it works with all other car loans about which I'm familiar. This is a credit trap and it will impact both of our perfect credit standings.
Consumer complaint received 2023-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

I was not contacted in any way by this company and I suddenly have several collections with inaccuracies and missed payments when I never made any kind of contract with them or agreement. I never had a chance to dispute any of these or have any right to respond before they just reported inaccurate information without any kind of notice or speaking to me. Now they are reporting missed payments when I never had a contract with them to make said missed payments. My rights were violated several times. I shouldnt be liable to this collection agency when they stripped my right to dispute and validate the debts. They did not follow the law or rules and they reported inaccurate information. Now my credit has been damaged and continues to be damaged.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MS)

In XXXX 2019, Discover Card reported that I was late on my credit bureau, when speaking to a representative, they saw where it was incorrectly reported and offered my late fees back, but said because they reported it already to the bureaus, there wasn't anything that could be done about it, as of today, my credit report reflects late payments in XXXX and XXXX of 2019
Consumer complaint received 2022-11-08
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: Resurgent Capital Services L.P. (CA)

I submitted debt validate online on XXXX XXXX to XXXX XXXX  asking them to validate this debt. Or remove it from credit report. I don't feel like they validated it. The total was {$470.00}. And was contacted by a company called " LVNV Funding LLC. '' I have I idea who " LVNV Funding LLC '' is. I've made no contracts or agreements with them. 

XXXX XXXX Thank you!!
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.
Consumer complaint received 2020-10-01
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. (VA)

I have two accounts/creditors on my credit report that list me as an authorized user. These accounts are not mine and I have not authorized anyone to add me as an authorized user. I have tried to get these removed by the creditor but they have not done so. 

I would like these accounts deleted from my credit report. 

XXXX / XX/XX/XXXX {$200.00} XXXX XXXX / XX/XX/XXXX {$1700.00} XXXX
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This complaint is a follow-up to complaint number XXXX. 

Bank of America has not resolved our issue of fraudulent charges on our bill and has yet to respond to this complaint. 

We have sent them over 15 pages of documentation and Bank of America unilaterally decided to issue a credit of {$1000.00} ( instead of the full fraudulent charge of {$2100.00} ). 

However the total fraudulent charge was {$2100.00} as we were overbilled for 3 days of the service contracted for which is well documented. 

We should have only paid for 4 days of stay. 

Please help us resolve this matter of fraudulent billing, as we have always been happy with Bank of America, but we feel this issue has not been addressed by the appropriate management at Bank of America.
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC (FL)

I found out I am being sued because I have been receiving advertisement by law firms stating that I am being sued by a company called DNF Associates llc I have contacted them and was referred to another company and phone number where no one answers I have faxed them called them, and emailed them and to date I do not know who is suing me, or why. No one has informed me, or never contacted me as to who they are, and what the debt is for or how much is owed. I believe prior to submitting a lawsuit against me I had the right to know what the debt is for how much, and if the debt is mine try to make a payment arrangement. What they have done is unfair, and the only way I was able to find out about it is through advertisement The phone number I keep trying to call the one listed on their lawsuit is XXXX, and there is never an answer
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Webcollex, LLC (NC)

I spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.
Consumer complaint received 2020-10-01
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. (OH)

I was not late on these accounts and XXXX, Experian, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Consumer complaint received 2020-10-01
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. (OH)

I was not late on these accounts and XXXX, XXXX, Equifax, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX   : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Consumer complaint received 2020-10-01
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. (OH)

I was not late on these accounts and XXXX, XXXX, XXXX, and Transunion has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MD)

My loan was transferred to NewRez in XXXX of 2020 with a first payment due on XX/XX/2020. I began setting up my account with them immediately upon their instructions to go online and activate the account due to an incorrect last 4-digits of my SS #. Therefore, I was not able to complete the setup. Since I did not want to make my payments to an incorrect SS #, I immediately alerted New Rez. I called and the rep. told me that the reason why I was unable to get online is because the last digits is incorrect and told me what they have on file at NewRez. I told the rep that they have it incorrectly, and all of my closing documents showed my correct SS # so the error was internal at NewRez. They assured my this would be taken care of immediately. So I waited a few days and tried again. Same issue, they don't recognize my correct last 4-digis of my SS. #. I have made 6 calls to NewRez since XXXX and sent emails ( no response to email ), as of today, XX/XX/2020 when my payment is due, it is still not corrected. Needless to say, this has already been a bad experience and I have not even been with them for a full month. I am not comfortable sending a payment today with an incorrect SS #. It was suggested that I XXXX have to refinance again to correct this issue. No way I would want to do that!! I was told by the last rep on Monday that she will follow up with me to ensure that it's being done and call me ... crickets!!!. Even the company that transferred the loan to NewRez said they contacted them, that was futile, nothing changed. 

I am exhausted and want an immediate resolution to this matter. I should not have to go thru so much just to pay my mortgage on time.