davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC (MI)

I received a demand letter from XXXX XXXX XXXX XXXX dated XX/XX/2022. I called the company on XX/XX/2022 and spoke with XXXX XXXX. I asked for a settlement amount and was advised she did not have one. I asked if I could email one and was given a generic email that does not provide responses ( XXXX ). XXXX stated the attorney assigned to this account. Was XXXX XXXX. Was advised when I called back on XX/XX/2022 to speak with the Atty XXXX XXXX regarding a potential settlement I was advised she is not in the office, she is in court all day and you can not speak with her.
Consumer complaint received 2022-06-01
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  AccountsXX/XX/XXXX XXXX XX/XX/XXXX # XXXX has violated my rights. 

XX/XX/XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

ON XX/XX/XXXX TD BANK USA/TARGET CREDIT REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. 

ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. 






ON XX/XX/XXXX TD BANK USA/TARGET CREDIT REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

Sunrise credit agency has sent me documents stating that my deceased aunt owed them money, has sent letters ( that do not explain who they are collecting on behalf of ) to her last known mailing address and spoken with me as of today, after explaining who I am ( without giving any personal information ) they said they can not discuss the matter with me ( I then stated how they illegally obtained my phone number, they said it wasn't illegal and that my phone number was " just there '' ). I advised them to send documentation to her last making address with details/proof of the agency they are collecting on behalf of, getting them to confirm that by law they are required to do so. Then they hung up on me.
Consumer complaint received 2022-06-01
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. (MD)

XXXX XXXX XXXX, XXXX XXXX, XXXX reporting late payment without my permission XXXX XXXX And XXXX reporting late payment without my permission
Consumer complaint received 2022-06-01
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. (MD)

XXXX XXXX XXXX, XXXX XXXX, XXXX reporting late payment without my permission XXXX XXXX And XXXX reporting late payment without my permission
Consumer complaint received 2024-03-20
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)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

I have Mailed XXXX XXXX and XXXX on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the XXXX XXXX and XXXX sites. With that said this is against the FCRA as that information has to all be 100 percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally XXXX is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (NC)

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to theXX/XX/XXXX to file a complaint as well.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( XXXX ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXX to file a complaint as well.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA SVG BK has reported wrong infomation on my report. The credit card was opned XX/XX/XXXX and never late a new card was issued due to the loss of the original card. XX/XX/XXXX USAA rported a late paymnet and I called once new card was recived asked why the card was reported late. The mnager advused it would be taken off my report and it still shows 30-59 dys late. We are a military family and USAA assured this issue would be fixed.
Consumer complaint received 2020-02-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

I am having a problem obtaining a payoff amount from Shellpoint Mortgage Servicing ( NewRez LLC ) for a refinancing with XXXX XXXX XXXX Bank. I had applied for a mortgage refinance with XXXX in XX/XX/XXXX. At the time, my mortgage was with XXXX XXXX XXXX.When ready to close, needing only the payoff amount, the mortgage was transfered to Shellpoint in late XX/XX/XXXX. We were told by Shellpoint that the payoff amount would be available at approximately XX/XX/XXXX. I and XXXX attempted to contact Shellpoint many times during the month of XXXX with no success. I, personally, tried to contact them by phone and online. Online I tried more than once with the reply that I would receive it in 5 days which never happened. I spoke a number of times to a representative who assured me that I would receive it, sometimes in 5 days and sometimes the same day. It never happened. I had applied for 'interest rate lock ' with my mortgage application. Due to the excessive amount of time past the applicable date for closing, penalties had accrued to almost {$2000.00}. I had to cancel my refinance application in the beginning of XX/XX/XXXX. 
In XX/XX/XXXX, I reapplied for a refinance with XXXX. Near the end of XXXX, I was preapproved for the refinance and waiting for the payoff amount to close the deal. It has been almost three weeks of trying to obtain the payoff amount from Shellpoint to no avail. The same contact efforts were made as before, through phone calls and online. Certain items will have to be redone, such as a termite inspection at an additional cost to me. 
Please advise us of your actions to assist us. We were wondering whether we have to obtain legal representation to be involved with this situation. 
Thank you.
Consumer complaint received 2019-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ceannate (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1997 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FMS SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious  FMS SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in  the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1997 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NC)

Hello, I ordered a HVAC unit from XXXX XXXX XXXX XXXX XXXX XXXX. The agreed upon terms were 36 months interest free. Prior to installation of the HVAC ( XX/XX/2022 ), I had to complete financing through XXXX / XXXX XXXX / SYNCHRONY BANK. I completed the credit card application ( XX/XX/2022 ), chose the 36 months interest free, and provided banking information to pay the credit card bill. 

The total charge for the HVAC was {$8500.00}. On the first billing cycle the entire amount was paid, not the minimum monthly payment. The full payment was completed on ( XX/XX/2022 ). I contacted XXXX / XXXX XXXX / SYNCHRONY BANK on XX/XX/2022 ) and they said they would refund my payment and ensure I made the minimum payments for the 36 months interest free arrangement. On XX/XX/2022, I followed up with XXXX / XXXX XXXX / SYNCHRONY BANK and they said that no refund was or will be provided to me. The chat lady said that she would request a check to be sent to me in 2-3 weeks and would only provide a chat confirmation number and no check or transaction number. 

Im a XXXX and XXXX XXXX XXXX  The XXXX / XXXX XXXX / SYNCHRONY BANK business practices are misleading and intentionally unhelpful. 

I specifically went with this HVAC vendor because of the favorable financing terms. This is a problem for me to solve and very bad for my finances. Please help me. 

Regards, XXXX
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the fair credit reporting act XX/XX/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 that 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 any purpose
Consumer complaint received 2022-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2022 I called the Equifax in reference to an account that was double reporting on my credit file, was inaccurate, was not mine and was past the statue of limitations in my state ( confirmation # XXXX ). I was told that the account was incorrectly reporting double and that the agent would dispute it and that I would be contacted about the results. As written in U.S.C. 1681i ( a ) ( 1 ) ( A ) " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' A reasonable investigation was not completed. I was not informed when the investigation was complete until I logged in and check the dispute results myself. Upon login I discovered Equifax had completed the investigation on XX/XX/2022, which was one day after the investigation was initiated. 

I did not receive anything in the mail explaining the procedure or notifying me that the investigation was complete.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

I had a lease with my ex but i had to move out as the relationship ended. He handled the lease.but i went to the leasing department to get my name off the lease, Since then i have seen a XXXX follection on my credit report from a collection company but no one will send me a detail for what its for. Please help. That is way higher then it should have been even if i was on the lease.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

There have been multiple problems associated with Experian investigation and reports that indicate that an investigation has been initiated and results are available for review. 

There automated system shows the report is ready for viewing and the complaint and results of the investigation is NOT readily available and a copy of the Full and Completed reports are not available and are NOT being provided as the online complaint system indicates. 

This is a continuing problem with complaint, investigation and report process. 

Thus far every complaint filed has been experiencing technical diffulties. 

The latest two were received on/about XX/XX/2020 2020
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. Someone opened ( 3 ) XXXX accounts with my information. This is fraud. The accounts are : XXXX {$94.00} opened XX/XX/year> | XXXX - {$110.00} opened XX/XX/year> | XXXX - {$85.00} opened in XX/XX/year> XXXX