davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-08-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed reference XXXX with TransUnion and in response they stated they verified the item as accurate, stating that they verified this with the courts. I contacted the court and there response is enclosed. It is clear that they do not report to TransUnion or any other credit bureaus for that matter. Therefore their original response of verifying the item with the court was either an error or false. Either way the reporting requirements verifying method does not comply with FCRA section 611 15usc 16811 and the item must be removed immediately
Consumer complaint received 2021-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/2021 I paid this loan off from selling it. The purchaser paid me in cash, and when I spoke to Ally originally they said I have the title in 4 days. So I get looking on the website after logging into our account and see that that was true if paid by cashiers check or certified funds. Otherwise it would be up to 10 days. Well this day 14, the lien still hasnt been released.

I called yesterday and I basically got the runaround from someone saying well yes the release can take up to 10 days to process and itll take another 7 to 10 days to get the letter of release. Thats not what I was told originally and it SAYS right on the website ( see attached picture ) that it takes TEN days, not 14, not 10 plus another 7 to 10. 

All titles here now are electronic when it comes to liens, All I need is the stupid letter to release the lien, clearly after 14 days the funds have more than cleared the bank. I have the buyer breathing down my neck about this as well. This is ludicrous.
Consumer complaint received 2018-05-27
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. (OK)

I have disputed this account more then 5 times with XXXX, Experian, and XXXX I also disputed it with XXXX XXXX collection, when XXXX finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to XXXX and Experian showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with XXXX  and Experian not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to XXXX And Experian SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT XXXX AND EXPERIAN ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO XXXX  , AND EXPERIAN PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (MI)

I looked at my consumer report and saw that Experian had violated my rights as a consumer. I then mailed Experian an affidavit of facts, and letter of validation pertaining to the inaccurate information on my consumer report a month ago, and still have yet to see receive a response from them. On XX/XX/01 at XXXX I then called Experian and got connected to a specialist for consumer disputes named XXXX she named the accounts that I have disputed and the results were to have these fraudulent accounts remain still sitting on my consumer report from their investigation for a few while others were still left pending. I specifically told her that in the FCRA Congress states in 15 U.S. Code 1681a ( e ) that they would have to do interviews with my with neighbors, friends, or associates, and can not include specific factual information on a consumers credit record obtained directly from a creditor. She then connected me with a lady by the name of XXXX who came off ignorant, while being very rude and disrespectful with me over the phone using obscene and profane language towards me. After I said that my consumer rights have been violated under the Fair Credit Report Act. I specifically told her that I want these inaccurate accounts, and inquiries immediately removed from my consumer report. I am the consumer and according to 15 USC 1692 I do not owe any debt because I am the consumer and Im not obligated to pay. I told her pursuant to 15 USC 1681B ( a ) Congress says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Which is myself the consumer and I do no not owe any debt and these are my written instructions to you right now to remove these inaccurate accounts from my consumer report. She then said I dont know why you guys keep calling here trying to use this with what you are talking about, these accounts are not getting deleted, and fine to take us to court, and good luck. I then told her pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. You are civically liable for violating my consumer rights on this phone right now, and I have you recorded. I will be sending an invoice for damages from all of the violations your company has done to me thus far. I then requested her to put her supervisor on the line. She then said the supervisor will call me in a few hours and hung up the phone and which was a lie because I did not receive a call.
Consumer complaint received 2021-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

Hello my complaint is against Mr. Cooper ( AKA Nationstar ). I am in a covid-19 forbearance and Mr. Cooper fails to adhere to the new FHA guidelines I have contacted them as well as a Hud housing counselor who i believe is being paid off by them as she is clearly no help an quite rude. Mr. Cooper states that i am not eligible for a deferment as my loan was not current at the start of the pandemic. FHA has updated it's eligibility requirements as of XX/XX/2021 and XX/XX/2021 and Mr. Cooper refuses to adhere to them. Please help. I have included the updated bulletins below
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (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.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. UNKNOWN - Account # XXXX* ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (IN)

On XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX I order new XXXX XXXX, on XXXX XXXX I missed my appointment, The XXXX XXXX never called me back to set my appointment to size and pick up XXXX XXXX {$410.00} dollar. I recently just noticed my account has been sent to collection for amount of {$410.00} dollar to XXXX XXXX. I informed the collection agency that this information was inaccurate. As a result of not receiving XXXX XXXX product. its very contradictive for me to pay for a product that I haven't received. From my understanding this a violation of consumer rights. I speak with XXXX XXXX about picking up XXXX XXXX since the account been sent to collection. They informed me that I needed to pay for the XXXX XXXX throw XXXX XXXX collections to receive XXXX XXXX from XXXX XXXX office. The account is in Collection with XXXX XXXX and been write off to collection from XXXX XXXX office, for a product i haven't received. as a consumer, I have the right to inspected product and verify that product meet my need as consumer. Nor can set appointment to verify the product meet my medical needs.
Consumer complaint received 2021-08-31
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: CAINE & WEINER COMPANY, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XXXX  asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted TransUnion regarding an unauthorized hard inquiry on my consumer file. TransUnion did not properly investigate the dispute. The telephone number listed on the inquiry is a non-working number. Additionally, the company claimed they did not request my credit profile although it shows up on my TransUnion consumer file. 

Furthermore, I called TransUnion again to inquire about receiving {$1000.00} compensation for the false reporting. I received a callback from XXXX on XX/XX/2021 before XXXX PT. XXXX removed the inquiry but stated I could not be compensated just because I asked. TransUnion violated the FCRA and I am entitled to compensation.
Consumer complaint received 2021-08-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I wrote a letter to XXXX XXXX asking for voluntarirly cancelling my card, letter enclosed. On XX/XX/XXXX I received a email stating account closed. | When I got my copy of my report from Transunion it showed it still active. THEY WILL not in good faith assist me with this problem.
Consumer complaint received 2019-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

In XX/XX/XXXX I purchased a motorcycle. I had my loan financed through a bank called MB Financial. Around sometime in XX/XX/XXXX, they merged with 5/3 bank. I was never informed of this. Today ( XX/XX/2019 ), I checked my credit score and noticed my motorcycle loan with 5/3 was delinquent. 

This was very surprising to me for several reasons. 1 ) I had set up auto-pay using their online tool. 2 ) I had never received a phone call alerting me of the first notice of delinquency. 3 ) I also never received a letter notifying me of delinquency.

I called 5/3 bank and immediately brought my account current. I was told the following information over the phone : - MB Financial and 5/3 bank merged in XXXX - Apparently what I set up was not auto-pay, but some other confusing form of payment, even though I scheduled future payments - The phone number they had listed on my account is a phone number that has never had any association with me. I have no idea whose phone number it was, this would explain why I never received a phone call - I then asked why since they verified they had my personal cell phone on file, they made no attempt to call that number. I was told they need verification from the individual first in order to call regarding delinquency. If this is the case, how and why were they able to call the other phone number with no association to me? 
- I asked why I never received a letter to notify me of delinquency. I was told " I don't know '' - I was then informed my motorcycle is being searched for by a repossession team. 
- I was told to file a complain with the FTC regarding the 80 point hit to my credit score and negative remark on my credit report - I was told because of my calm demeanor, that they would most likely be willing to work with me - I then called back to confirm I could get someone to alert the crediting bureau of the mistake - I was on the phone for 47 minutes being transferred 3 times to different departments - I was told under no circumstances, would an adjustment be made to my credit report on good faith, and that the only way they would be willing to help me out would be to provide them with proof of payments I made to the account during the months it was delinquent. This is obviously impossible, and I never made payments those months because 1 ) I assumed auto pay was working as intended 2 ) I was never notified via phone call or letter that my account was delinquent. 

Overall I can't even describe how upset I am at the way this bank has treated me as a customer. I would like to have my situation resolved and the adjustment made to my credit report due to the way the collections department handled the situation. 

Finally, visiting their online payment / account viewer portal, I see absolutely no notifications that my account is past due / delinquent. No messages, or alerts in the alert section.
Consumer complaint received 2021-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings (OR)

I received an email ( XX/XX/21 ) from a XXXX XXXX stating that she is doing business as XXXX XXXX XXXX ( Speedy Cash ). The email states that I have committed fraud and am subject to a court hearing. They also threaten to contact my employer. I am to contact the following address via email : XXXX The instructions states than I am to email " us between working hours XXXX to XXXX '' There is no phone number to call. 

I have not used this company for a payday I am currently working with several day payday loan companies. This is not one of them. 

According to the email, I have late payment costs of {$100.00}, interest costs of {$63.00}, an account value of {$580.00} and a total debt of {$780.00}.
Consumer complaint received 2019-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX I filed with identitytheft.gov as I believed I was a victim of identify theft. I also placed a fraud alert on all of my credit reports as they were reporting me late on an account with XXXX by XXXX XXXX. I became aware of this account as I my XXXX card closed suddenly due to a decreased credit score as this account was reporting past due payments. 

Per the recommendations of identitytheft.gov I sent dispute letters to Transunion as well as XXXX by XXXX XXXX. 

I received a letter XX/XX/2019 dated XX/XX/2019 stating XXXX by XXXX XXXX had determined that I am liable for this loan. 

I have received no verification that this loan was in fact taken out by me other than the letter received XX/XX/2019.