davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

For the past several years I have been monitoring my consumer credit report with Equifax and have come to believe that Equifax is artificially suppressing my XXXX score. 

Currently, there are no delinquencies, collections, or judgments on my account. As a consumer, I have XXXX latepays in over 24 years. However, over the years my XXXX score consistently lagged at least XXXX lower than other reporting agencies. 

What's worse is that recently, in the past 60 days, my score dropped XXXX points from XXXX to XXXX. Despite the fact that I recently paid off a personal loan. 

Among the reasons they provide as an excuse for the low FICO score is : - Their claim : " The date you opened your oldest bankcard or credit card account is too recent ''. 

- My reply : This is inaccurate, my oldest credit card is XXXX XXXX XXXX. 

- Their claim : " Total balances too high on delinquent/derogatory bankcard or credit card accounts. 

- My reply : My report contains no delinquent or derogatory bankcrard or credit card accounts. Although my credit utilization XXXX be higher than average, this typically amounts to a drop of a few points. Not XXXX within 60 days of virtually no change in utilization. 

- Their claim : The balances on your accounts are too high compared to loan amounts. '' - My reply : My loan payments are commensurate to the terms set by the loan agreement. If I have no late payments or delinquencies, it is none of Equifax 's business or place to harm me based on what they think my balance should be. As long as the lender is reporting my payment history accurately, that is all Equifax needs to worry about.
Consumer complaint received 2022-05-20
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. (TX)

please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2015-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried to give Bank of America notice not to cash post-dated checks until the date written on the checks. Bank of America claimed that the only way I could stop them from cashing the check early is to put a stop payment on the check and then release the stop payment on the date of check. Is that correct? If not, what can I do about it?
Consumer complaint received 2019-02-02
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. (CA)

I have sent information to Experian on several occassions regarding a home that I sold in XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( Experian ) states that a creditor received a deed ( CRD ) what creditor.Foreclosed I have never lost a house as XXXX XXXX Bank was paid and also requested Experian and to take the word Foreclosure off my record. That was done by XXXX XXXX @ Executive Mortgage Complaints Office of Executive Complaints XXXX XXXX Bank, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX requested 4 times and 4 times for what as Experian had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XXXX/XXXX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX  I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and Experian says that they have no number. Come on The IRS.And Experian Inquiry on XX/XX/XXXX for what?.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (MD)

Earlier this month, I received a letter from Linebarger Gotham Blair and Sampson LLP saying that I owed {$91.00} for a single unpaid toll. The original toll amount was {$4.00} and was supposedly for a violation that took place in the state of Delaware on XX/XX/2022. 


The Linebarger firm has a history of fraudulently attempting to collect nonexistent debts in violation of various state laws, as alleged in multiple class action lawsuits and complaints submitted to the XXXX. I believe the letter sent to me was part of this pattern of deceptive business practices and that I am being billed for a sum I do not owe. 


I have paid every toll notice I have received from the state of Delaware.Crucially, responding to such notices is the only method for non-residents like myself to pay tolls amassed in Delaware since toll booths in the state are generally unmanned and both the portals for paying tolls, Delaware XXXX and DelDOT.gov, require a notice number to process payment. 


The letter from the Linebarger firm includes a notice number for the supposedly unpaid toll. However, when I attempted to look up the violation on the above websites, I received a message saying the notice number was not valid. Why would a firm attempting to collect a legitimate debt do so using bogus account information? 


I would attempt to contact the Linebarger firm directly, but it has a documented history of fraudulent behavior. And neither the letter the firm sent me nor the company 's website include a physical or email address where I can send written correspondence. Only a phone number is provided. Without a written record of our exchange, I have no way of proving what was said or wasn't said. That puts the consumer at an incredible disadvantage.
Consumer complaint received 2022-05-20
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. (OH)

i went to the dealership and they said they will only have XXXX pull my credit but they had cXXXX XXXX  do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-05-20
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. (OH)

i went to the dealership and they said they will only have XXXX pull my credit but they had XXXX XXXX do XXXX nXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX
Consumer complaint received 2022-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (GA)

I reached out to the debt collector today XX/XX/XXXX and asked about the debt. This creditor has refused to provide to me with information about the debt and advised me to 'XXXX  XXXX the name of the original creditor to find out who filed the debt under my name. I was told this by the first rep today. I called back and spoke to someone named XXXX who introduced herself as an account XXXX. 

The creditor has also been abrasive with me and tried to bully me into paying the debt without me having any information about it. XXXX also could not advise to me on what to do in this situation now that it has been established that it should have not been reported to collections to begin with. I never received the bill. She tried to pressure me to still pay it by asking for a credit card and other payments. 

I XXXX  the name of the original credit ( doctors office ) since XXXX XXXX refused to provide this information and called them regarding the debt. They advised me when notices were sent in XXXX, once in XXXX and that nothing additional was sent afterwards. The documents they provided to me contained incorrection information. The address provided, I have never lived. 

I advised the debt collection agency, XXXX XXXX XXXX that I should have never been reported to them under a debt to collect. The agent, continued to try to bully me into paying and refused to provide guidance on steps to properly dispute bills being sent to the wrong people with a different address on file, with my name.
Consumer complaint received 2022-10-12
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. (NJ)

I want theses account deleted : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Equifax and XXXX was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXXXXXX XXXX XXXX is reporting a 30 day late payment for XX/XX/XXXX and Equifax and XXXX are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however Equifax is reporting an account status as open and XXXX and XXXX is reporting it closed. XXXX XXXX is a closed account however Equifax is reporting an account status as open and XXXX and XXXX is reporting it closed. XXXX XXXX XXXX and XXXX is reporting a high balance of {$1800.00} and Equifax is reporting nothing, Balanced owed XXXX and Equifax is reporting {$1300.00} and XXXX is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Ditch Financial grossly underestimated escrow. Our payments per month have gone up near four hundred dollars. We were approved for the loan based on our income which has not changed. We agreed to the loan based on what we can afford. This has not happened to other properties in our area. We feel this is predatory lending.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  ) completely refuse to update my account. 

I have notify them several times regarding this on going situation. This debt is currently in collections with TRANSWORLD SYSTEM INC. I have spoke with them as well, They said ; that the account CAN NOT BE UPDATED UNTIL THE ACCOUNT IS PAID IN FULL. 

However this is mortally unethical, this is preventing my family and I from a place to live. This debt is current and its has being paid by the Treasury Offset Program.Which a monthly deduction is drafted from my social security check every month on time. 

Unfortunately!!! As the world turns, unforeseen occurrences defaults us all. I fail into a finical strain, and was unable to make my payments. Immediately when I became stable again, I joined this Offset Program to get this debt handle. Also, the balance is incorrect as well. This TRANSWORLD SYSTEM COMPANY IS PREDATORY!!! They are overcharging me. XXXX!!!!! 

Therefore, it appears to me that I am being penalized because I fail on hard times. I served this country, and I feel this is unjust. 

Furthermore, this is constantly showing up on my credit file as a collection unpaid. This continues to show up as not being paid at all. This has been well over a year. This account is being paid as agreed and its my right, For it to show, that it is being paid as I have agreed. 

As a result, will you please get to the bottom of this terrible situation. We deserve a decent place to live. 

Thank you for your time, please get back to me at your earliest convenience.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 agent 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 any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

We went to chase to deposit {$12000.00} to our business account in Chase bank at XXXX XXXX XXXX XXXX, XXXX, CO XXXX And the teller deposited into the wrong account ( someone else 's account ) and I went back to the bank in about an hour to asked them to fix the issue and the manager said they will have to open a case but I wouldn't have money available until 2 business days, if I don't pay my employees I'll lose a lot of business and may have to shut down my small company, I need help to fix this issue as soon as possible.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AZ)

My husband and I were under the Pandemic Relief Plan- Government with the mortgage company. In XX/XX/2022, we contacted Mr Cooper because a remark from them was in our credit report saying that we didn't make payments. Mortgage companies weren't allowed to report customers that were under Pandemic Relief, however, they explained that they need to report that the balance went up. This reduced our credit score, and we couldn't do anything. We resumed our payments since XX/XX/2022 making payments every month. on XXXX XXXX, they reported a remark and all credit bureaus bring an average of XXXX points down to our credit again. We work really hard to have a healthy credit score and Mortgage companies can't make mistakes because for a customer is not correct and represent financial burdens, plus this types of remarks will stay in the records for 7 years.
Consumer complaint received 2021-08-23
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. (MD)

I have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

XXXX  : XXXXXXXX XXXX XXXX  {$8300.00} XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX {$8300.00} XXXX  : XXXXXXXX XXXX XXXX {$8300.00}
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (FL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.