davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (SC)

I moved out of an apartment complex because O was almost attacked by 2 pitbulls, there were a lot of shootings and always someone sitting on my car. I didnt feel safe there, I sent the office an email stating I was moving and why. At first I was ignored so I sent another one again and she said I didnt give proper notice and I will be charged a move out fee if she decides. At the time they had people that were supposed to be remolding the apartment but actually tore it up. I sent them an email of all the damages and told them not to charge me because I didnt damage anything. Fast forward they deleted me off the residence portal and sent me to collections in which they called me. I asked the lady for a breakdown of charges and she said she will have to contact them to send it to me. I told her not to call me again but instead they started sending me emails. I got the breakdown for what I was being billed for and they did charge me for the damage they did while trying to remodel it, I ask them to remove the charges I went ignored again. Another collection agency got the debt and just put it on me and my daughters credit report with no letter or explanation. I just got an alert from the credit bureau one morning stating that my credit dropped. Me and my daughter take our credit serious and will be taking legal action against the collection agency for violating our consumer rights. The amount they are reporting is also not correct so we want it deleted for that and damages they have caused us.
Consumer complaint received 2022-02-14
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)

Re : DELETE FRAUD ACCOUNTS UNDER SCRA 50 USC 3953 As indicated above my information may have changed in your files since my last confirmation dispute, please apply all changes to the information above. 
1. DPT EDXXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 2. XXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 3. XXXX Acct # XXXX Opened on 7/2019 This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 4. XXXX XXXX Acct # XXXX Opened on 4/2017 This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 )
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited XXXX pay checks from the state controller XX/XX/22 and was told the checks would be placed on a 2 day hold then funds would be made available. I attempted to pay car note, which the bank returned, then the bank placed both checks back on hold, stating pending verification. I called with representative of the bank for 2 hrs and once verified, I was told 24 hrs. Then when I went into the branch I was told VERBALLY my account was CLOSED FOR FRAUD XX/XX/22 and once the checks were verified they would cut me a cashier for the funds held. So I called a XXXX time for 2hrs with bank rep, had XXXX checks verified and was told a Cashier Check would overnighted. As of today the only check that was sent was dated XX/XX/22 and mailed XX/XX/22 was the cash balance prior to the pay checks.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

On XX/XX/2022 I wrote to equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that equifax reply within a reasonable amount of time. Since this is my second request, I am notifying you that I have signed receipts for letters sent to equifax and equifax have not complied with my request. I regret that I am being forced to take such action. As this is affecting my credit ratings, I want this removed immediately. Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer 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 I, XXXX XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I also understand that equifax are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. So now I demand everything is removed immediately
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management is destroying my credit for accounts with wrong information. XXXX, is also destroying my credit over fees they attempted to charge me after I closed my account ( which I closed for hidden fees that were charged from me that werent a part of our contract ).
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX  {$500.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions. 
XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX acct. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX XXXX ACCOUNT {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX acct. # 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 an account without my written instructions.
Consumer complaint received 2020-03-02
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: Santander Consumer USA Holdings Inc. (NY)

I was o my credit monitoring site and I noticed a fraudulent account that I had no knowledge of I would like for this accounts that I'm gone put in this complaint that I had no knowledge of I would like for this account to be removed off my credit report because its affecting my credit.
Consumer complaint received 2022-02-12
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: CORELOGIC INC (WI)

I, XXXX XXXX, have sent several letters explaining in detail the issue of this company 's reporting an verifiable bankruptcy they are reporting on my consumer profile. With each letter I have attached proof of my identity as well as proof that other credit reporting agencies have deleted the unverifiable bankruptcy. I have also attached letter form courthouse and pacer in which each entity state they do not confirm any bankruptcies nor do they report bankruptcies to any credit reporting agencies. 
With each letter sent, the reply back was a claim that there was not enough information or that proof of identity wasn't legible. These are fraudulent claims, as every letter included clear copies of identity as well as detailed information. 
This company is in clear violation of the FCRA and my consumer rights. They continue to use stall tactics to avoid doing what is needed and are skirting the law with their fraudulent replies.
Consumer complaint received 2020-02-28
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. (TX)

I'm writing this letter because this company is hurting my credit report and I have a factual evidence to prove so : I open my account on XX/XX/2019 and the rep which I called on XX/XX/XXXX verified my due date for the account and every payment that I made on this account. she told me on a recorder called that my payment was due on the XXXX of every month and that my payment was {$51.00} dollars please see below for my date and record of payments XX/XX/XXXX i paid XXXX dollars ( double payment ) XX/XX/XXXX I paid XXXX dollars ( another double payment ) XX/XX/XXXX i paid XXXX dollars XX/XX/XXXX I paid XXXX dollars ( double payment ) XX/XX/XXXX I paid XXXX dollars ( double payment ) So technically I paid {$200.00} in XXXX which should have covered my XXXX XXXX XXXX and XXXX payments then in XXXX I paid {$51.00} which should have covered my XXXX payment in XXXX I paid {$100.00} which should have covered my XXXX and XXXX payment and in XXXX I paid {$100.00} which should have covered my XXXX and XXXX payment and the payment on XX/XX/XXXX for {$51.00} would have covered my XXXX payment the only time anyone could ever say that I was late was my XX/XX/XXXX payment which I paid 17 days later on XX/XX/XXXX which I've been paid XXXX 's payment 15 days early essentially. 

the Fair Credit Reporting Act says that they can not report me late unless I'm 31 days late and this is absolutely ridiculous I called and ask their company to take care of the issue because it's clearly an accounting issue and I have never been late more than 30 days on a recorded call their supervisor said that I was more than 30 days late in XXXX because of how they applied the payment but on my credit report it shows that I was on time in XXXX but that I was more than 30 days late for XXXX 's payment this is an accurate as technically I paid {$150.00} in the month of XXXX and they verified this I'm trying to get a house in this is having a major effect on my credit report simply because they do not know how to do accounting. the supervisor tried telling me that they applied my over payments to the principal but that is their fault not my fault this is an accounting issue and I've never paid them late I want this account either removed completely from my credit report or I want them to update the status that I was never more than 30 days late thank you for your consideration PS they recorded the call on XX/XX/XXXX and I also reported the call to prove to my attorney of what they said
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ark-La-Tex Financial Services, LLC (TX)

In XXXX 2016, my mortgage company, Benchmark, did not pay my homeowners insurance premium to XXXX XXXX XXXX from my escrow account. No one contacted me about the lack of payment, I just happened to notice that on my insurance app my policy was listed as " cancelled ''. When I called to figure out why my policy was cancelled, I spoke to XXXX representatives from the mortgage and insurance company and they said the situation was resolved. 
In XXXX 2016, my policy was still listed as cancelled. When I called, apparently the situation had not been resolved and my policy was cancelled.. Again, I got representatives on the phone who got in a XXXX way phone call with me to resolve any and all issues so that my policy could be reinstated. I payed {$450.00} in order for this to occur as a penalty. I also learned that my homeowner policy was cancelled for the last 6 weeks as a result of lack of payment. I was promised follow-up calls from each company in 10 working days to verify the situation had been resolved. 
XXXX 2016 - Still no payment had been made. Neither representative called to verify payment as set up previously. Spent a week on the phone with each company, and as off today XXXX/XXXX/16, no payment has been received. I am having to make the payment myself so the policy is not cancelled a second time.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I reached out to Experian to request my consumer report AND FILE. Experian did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION ()

On XX/XX/2020 I completed and filed all my Mortgage documents with the Loan Officer XXXX XXXX at Pentagon Federal Credit Union. XXXX stated it would be two weeks before a processor would contact me to proceed forward with the process. 

On XX/XX/2020 I spoke with XXXX and stated a mortgage processor had not contacted me and was told by her the issue would be escalated to the member experience team. No reply was received. 

On XX/XX/2020 I called again and was told my issue would be escalated. No reply was received. 

On XX/XX/2020 I sent a text and an email asking for assistance on the above issue and received two emails back stating action would be taken. Still no reply XX/XX/2020 I called and talked to XXXX, then passed off to XXXX, then transferred to XXXX and was told my issue would be escalated and I would be contacted in two days. Today is XX/XX/2020 and still no reply. 

I would just like to move forward with the mortgage process and my issue appears to fall on deaf ears. Your assistance will be greatly appreciated. 

Mortgage # XXXX Best Regards, XXXX XXXX
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation (MO)

My husband and I had a XXXX, ( South Dakota ), XXXX. credit card debt that was sent to Global Credit & Collection Corp, XXXX XXXX  XXXX, XXXX, MI XXXX, phone XXXX. They have been collecting payments via ACH for many years. I can readily find bank statements back toXX/XX/XXXX and I know they were collecting payments PRIOR to that. 

When we started the authorization of ACH payments, they informed us they would be charging a {$7.00} monthly convenience fee. At the time, I was an XXXX XXXX XXXX ( XXXX ) for the credit union I was employed. I believe I remember we were told in training that consumers were not to be charged convenience fees for using ACH. I informed them that I believed that fee was not a legitimate fee, but they would not process the transaction without charging it. Knowing we really did owe the debt, I reluctantly agreed to pay the fee. 

In XX/XX/XXXX, my statement from them indicated the fee was {$0.00}, but there was no explanation as to why the fee was suddenly dropped and no longer charged. 

My question, as a consumer, is if they finally determined they should not be charging the fee, what about all the {$7.00} monthly charges I have been paying? My current records indicate I have been charged MORE THAN {$330.00} in these fees. 

I have talked with XXXX XXXX at Global Credit & Collection Corp.
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (WI)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX } OR BY FAX : XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX MORTGAGE XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes. 

Truly, XXXX XXXX
Consumer complaint received 2020-02-28
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$410.00} XXXXXXXX XXXX-XXXX {$1200.00} XXXX XXXX-XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX   XXXX {$720.00} XXXX XXXX   XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$720.00} XXXX   XXXX-XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX-XXXX {$450.00} XXXX XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.