davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CO)

I was sent an offer for a XXXX XXXX Mastercard. It is offered at 35.99 % interest, an intro fee of {$95.00} you have to pay before the account will even open, an annual fee of {$75.00} for the first year ( and only a {$300.00} credit line ) and {$120.00} in annual charges every year after that. This is an absolutely criminal amount of fees for a card trying to help someone establish credit. There would be {$2.00} in interest on the first bill just from the 35.99 % of {$75.00} in fees. You havent even bought anything, but youve paid {$95.00} in a program fee, {$75.00} in annual fee, and {$2.00} in interest. This would not help anyone.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (FL)

To whom it may concern : Credco - Consumer Relations Dept XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below is information Ive identified on my credit report that needs to be deleted from your records immediately.

Attach you will see documents
Consumer complaint received 2023-06-29
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. (LA)

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 accounts. 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 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I financed a car through Toyota financial services, a bad mistake. They make you jump through hoops just to get approved. I usually go through my credit union and will do so from now on. Unfortunately I was T-boned in an intersection and my vehicle was declared a total loss on XX/XX/21 with the check being sent out that week. It is now XX/XX/21 and they STILL haven't updated their records to show that there is a total loss payoff. Yes, they still took my payment for the month it was due. They refunded me the payment for the next month but they have yet to show the car was paid off. I reached out to them 3 times about this. When I am late on my payment I am penalized with a late fee right? Toyota Financial Services should have the same burden of obligation to ensure their processes are working and not taking customers money for non existing loans!
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, and Transunion all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX  all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.
Consumer complaint received 2021-11-24
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: TD BANK US HOLDING COMPANY (GA)

On XX/XX/2021, I sent written correspondence via Certified U.S. mail to TD Auto Finance requesting that they delete inquiries on my credit reports ( XXXX, XXXX, and XXXX ) dated XX/XX/2021, considering that I did not authorize anyone employed at TD Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to TD Auto Finance bearing my signature.
Consumer complaint received 2020-06-11
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.
Consumer complaint received 2021-11-23
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. (MO)

I have been contacting the companies and credit bureaus for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the accounts, inquiry and addresses immediately. I have attached all proof.
Consumer complaint received 2020-06-11
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. (MO)

XXXX XXXX has been a mental and emotional distress on me and my credit file. This account was not opened by me, nor have i engaged in any type of arrangement with them as falsely stated in the comments on my report. And more importantly this account was removed from my report in XX/XX/XXXX, but then reinserted in XX/XX/XXXX, And as a general practice no company shall reinsert any accounts without notifying the consumer within 7 days. And this did not happen. I'm demanding that this account ( XXXX XXXX ) be removed and blocked from my credit file in accordance with the laws of The FCRA.
Consumer complaint received 2020-01-04
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. (UT)

Requesting Equifax to provide physical documentation from their E-OCAR. How did you verify these debts from XXXX XXXX? How did you verify the payments and balance? None of this information is accurate. Please delete this from my report immediately.
Consumer complaint received 2020-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc. (SC)

I have tried for years, to tell all 5 of these derogatory medical " bills '', that NC XXXX would've paid these. They are all either false, or been paid in full by NC XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, NC XXXX didn't pay for me. Ask XXXX hospital in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (RI)

My mortgage company, XXXX can not explain why there is a fee of {$1500.00} that no one can explain to me. This amount just showed up my latest statement. Please see attached. 
I have a serious problem because I have been approved for the Lead program, Weatherization program, and a grant to assist me with repairs. 
The XXXXXXXX XXXX XXXXXXXX will not continue with my application because of these fees assessed on my statement. The weatherization folks came out and determined that I need a new heating system but can not do the work until the City signs off on my application. 
Your immediate attention regarding this matter is greatly appreciated. 

XXXX XXXX
Consumer complaint received 2020-06-11
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I am fearful that Midland Credit Management ( " MCM '' ) is using deceptive practices. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation through certified mail. It was received and signed on XX/XX/XXXX. Yesterday, XX/XX/XXXX, I received from them a threatening pre legal notification. I have two concerns ; first, the letter is dated XX/XX/XXXX and came in an envelope that is not postmarked. Secondly, under the Fair Debt Collection Practices Act, when validation is requested the Collector must cease all activities ; including credit reporting after a validation request is sent. With this in mind, Midland Credit Management ( " MCM '' )  has violated this law. They have yet to respond to my affidavit of notice for demand of debt validation ; yet, sent a pre-legal notification letter -falsifying the date of the letter, while still in the 30 day validation period I allowed them. Their falsification of the date can appear as if it was sent prior to my affidavit of notice for demand of debt validation and I would like to go on record ... with proof that this is a direct violation of the Fair Debt Collection Practice Act and Defamation of Character as they are still reporting inaccurate information to the credit reporting agencies. I respectfully ask for assistance with this matter. Please see the attached proof of my complaint.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I recently refinanced my 30 year mortgage with Flagstar Bank. I think this is my 3rd loan with Flagstar. My first payment was due XX/XX/XXXX. For various reasons, I decided to not pay until XX/XX/XXXX, which is absolutely allowed. In fact, there is no late fee until after the XXXX of the month. I have never missed a payment ever. 

They called me Tues XX/XX/XXXX at XXXX XXXX  and left a message asking me to return their call. 
They called again first thing this morning XX/XX/XXXX at around XXXX. 

The agent on the phone said she was calling from Flagstar collections. 

I stated that I was very surprised and because I have from XXXX XXXX to make my payment. First she said well your payment was due XX/XX/XXXX in a stern tone. Again I asserted that it was my right to pay within the first 2 weeks of the month without harrassment. And then She said she was in the internal collections department at Flagstar and wanted to reassure methat this matter had not gone beyond the bank??! 

I stated that I scheduled my payment for XX/XX/XXXX. 

She then asked why I was paying " late '' ... what was the reason and did I intend to continue paying this way each month, which I found incredibly intrusive. 

I assured her that I understood the banks were in a tight spot but that I was gainfully employed if that's what she wanted to know. 

Honestly, the whole experience felt abusive. I have never experienced anything like it. 
I am employed, pay my mortgage evey month. I sudder to imaging what they are saying to fols who are struggling.
Consumer complaint received 2020-01-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XXXX is reporting in my credit file however it is inaccurate because I have no knowledge of such accounts. I did my research on what to do because this is really hurting my scores so bad even if I try my best to get a better scores. I asked for proofs yet nothing is provided to me. I am in a tight income and making ends meet. I came across a case vs XXXX, Texas vs XXXX. In that case I have learned that XXXX claims to have a disclosure and an agreement that there is a consumer agreement for all who they are collecting from. I asure you that I did not conform to any of those agreements and I dont know it. Please have this deleted my file immediately. I want to start this year with a chance to fight for my scores.
Consumer complaint received 2017-05-17
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. (MD)

I previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported. c
Consumer complaint received 2020-01-04
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 was alerted via Experian that XXXX XXXX had placed a collection out for an account with a balance of {$2300.00} that was opened in XX/XX/2019. I've never had any services with XXXX. I disputed this item with Experian to no avail. 
They provided an encrypted account number XXXX.
Consumer complaint received 2020-01-04
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: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because I have no knowledge of such accounts. I did my research on what to do because this is really hurting my scores so bad even if I try my best to get a better scores. I asked for proofs yet nothing is provided to me. I am in a tight income and making ends meet. I came across a case vs Midland, Texas vs Midland. In that case I have learned that Midland claims to have a disclosure and an agreement that there is a consumer agreement for all who they are collecting from. I asure you that I did not conform to any of those agreements and I dont know it. Please have this deleted my file immediately. I want to start this year with a chance to fight for my scores.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX/XXXX as no settlement could be reached. The second account was with Capital One acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( XXXX XXXX ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XX/XX/XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (IL)

To whom this may concern, I am disputing experian reporting of accounts : I have dispute these same account atleast 3 times within the past 60 days. Each time the account has come back verified without any changes. 
Currently student loan payments are paused/defered until atleast XXXX of XXXX. That means payments are not due and are payments are not defaulted until XXXX of XXXX thats if they have not been fully forgiven. 
That is per the Government and is even on the website. XXXX has completely removed the account and XXXX is reporting it as current. Experian is reporting inaccurate information. Isn't There a pending Lawsuit against experian for refusing to corrent Account information? Between the XXXX CFPB and Attorney general I am hoping one of you organizations can make Experian abide by the law and correctly report. I will enclose proof of the error of reporting and violation of the Fair Credit Reporting Act. I am unfairly being locked out of loans and other Financial assistance. 
Not to be redundant but : XXXX 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 Sincerely ; XXXX XXXX XXXX XXXX XXXX 
Email : XXXX Phone : ( XXXX ) XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX Acct. # XXXX, U.S. DEPARTMENT OF EDUCATION : Acct. # XXXX has violated my rights.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NM)

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.

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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2020-01-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!