davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (FL)

XXXX XXXX. Amount : {$35000.00}. XX/XX/2022. I reached out to the company to have them correct the issue but it was to no avail. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 an account without my written instructions. 

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1666 ( b ) states billing error.
Consumer complaint received 2021-07-27
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. (PA)

A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (PA)

I sent XXXX dollars to XXXX through Remitly on XX/XX/2021 ( Reference number XXXX ). The money was supposed to arrive on XX/XX/XXXX. I have been told that the money has arrived, but it is not in the recipient account. When I contacted Remitly, they insisted that the transfer has arrived and asked me for a statement of the receiver 's bank account, which I don't have legal right to access because it is the receiver 's confidential information. In spite of that, I obtained it and send it to them. The statement was generated on XX/XX/2021. Remitly claims that they have a statement from the bank in XXXX ( XXXX XXXX ) stating that the money has been deposited in the receiver 's account, but they wouldn't show it to me.
Consumer complaint received 2021-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waterfall Revenue Group (DE)

On XX/XX/2021 I paid my co-pay of {$50.00} to XXXX online. A month later I got a collections agency bill. I then sent a fair debt collection practices act to confirm the debt that is owed currently I received a letter today stating I still currently all the debt Which I paid back in XXXX.
Consumer complaint received 2021-07-27
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)

A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.
Consumer complaint received 2019-12-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following was sent to Equifax and they did not address the issues listed in their response to my request : Dear Sir/Madam : I am writing once again to make you aware of a variety of errors that have impacted my ability to secure credit, in addition to the pain and anguish these errors have had on my emotional well-being. 

As of XX/XX/XXXX, the following errors and omissions from Equifax have had a negative effect on my credit profile : 1. The report shows that I have recently missed a payment or had a derogatory indicator reported. I have had neither. I am requesting proof of this including the reporting furnisher of this derogatory report. 
2. The report shows that I have few accounts that are in good standing. All of my current accounts are in good standing. All of my credit cards are paid in full each month and both my mortgage and auto payments are paid on time and in full. 
3. The report claims I have a short credit history. This is not accurate since my XXXX  XXXX XXXX credit card account ending in XXXX was established in XXXX and most of my credit cards many years in age. 
4. The report claims I have too many credit accounts with balances. This is not accurate as I do not carry credit card balances on any of the credit cards or credit lines - all paid in full monthly. The only balances carried are my mortgage and auto loan balance. 

I am requesting one final time for Equifax to correct this error. If necessary, I look forward to proving the above in small claims court. 

I have enclosed a copy of my license, a utility bill, a copy of the credit report showing the errors.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (MA)

On Monday, XX/XX/19, before XXXX XXXX, I returned items to my local XXXX   store and a credit of {$100.00} was made to my American Express Serve card. I then monitored the card online for the refund. On Wednesday, XX/XX/19, under " Active Transactions '', the return was listed as " Merchant - Credit Hold for Review - We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. '' I've had the Serve card for years, and NEVER saw this before. On XX/XX/19, at XXXX XXXX, I called the number on the back of my Serve card. The in-call volume on my cell phone was as high as it could go, and I still had a difficult time hearing, between the volume and the accents, the two customer service reps with whom I ended up speaking. It seemed deliberate, how quietly they were speaking and the vague information they gave me. I informed the first customer service rep that I was XXXX, and had no money and no food, would he please release my refund? When he responded that he didn't have the authority to do so, I requested to speak with a supervisor. I advised the supervisor what I'd already told the first customer service rep ( XXXX, no money, no food ) ; when she refused, I advised her I would be filing this complaint, along with a review I posted on XXXX ( mine is the very first one currently posted ). Please note that when I went to post my review on XXXX, there were many, many 1 star negative reviews, all from the same week.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-07-27
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. (MS)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2019-12-14
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-13
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: Synovus Bank (NH)

My synovus check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR XXXX SYNOVUS BANK
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

This debt was paid by medicaid from XXXX hospital and XXXX, i dont have any balance due with them, and also they said that this debt is from XX/XX/1991 in that year i was in the university in XXXX and i never live during that years in usa. I dont have any medical bill from XXXX because i was cover as a XXXX back on XX/XX/1991 in XXXX. I call the collection agency and they dont want to give me information about the debt.They told me that was from XXXX hospital and XXXX i call the hospitals they told me i dont have any bill past due and they dont sent nothing to this company.
Consumer complaint received 2021-07-27
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. (NY)

I am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/XXXX. I sent in a request with Certified mail to Equifax ( as per USPS tracking, it was delivered on XX/XX/XXXX ) requesting that XXXX  block the fraudulent information within 4 business days according to FCRA 605B. I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/XXXX, Equifax failed to block the information from appearing on my credit file. 

The following account is a fraudulent account : - XXXX XXXX XXXX XXXX ( established in XXXX )
Consumer complaint received 2021-07-27
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Regional Management Corporation (PA)

I had a 2017 XXXX XXXX that was stolen from my house crashed and totaled the roof had to be cut off to get the person out of the car the car was completely totaled my insurance company XXXX XXXX who I had full coverage with at the time refused to cover the car because they said that the person had access to the keys I reported the car stolen I even sent the person to jail the person is still in jail for stealing the car but yet they would not cover the car after that the car went into being supposedly repossessed even though the car was no longer able to be a car because it was completely destroyed but because I didnt pay on it after that because why would I pay on the car that I no longer have my insurance company wouldnt cover The car it went in on my credit is a repossession Ive sent the person to jail I reported it stolen I do not believe they should be on my credit at all when I made every single payment up until that happened
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-02
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. (FL)

In XXXX I sent an written letter to Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft under 15 U.S. Code 1681B ( a ) & ( 2 ). As of XX/XX/XXXX I have not gotten a response back from Equifax.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NH)

My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

First I should not have been on the plan to make payments via XXXX   XXXX. The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process on my fha loan. So I set up a promise to pay on both of my loans approximately XX/XX/19 to figure out what was needed on my accounts, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to XXXX  XXXX  my payments, this was an immediate posting process according to Carrington, and for a couple of payments it was. So with their actions another payment needed to be made due to error in the reporting process at Carrington mortgage, I had to make another payment via XXXX  XXXX   ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit. The Post marks on the receipt should be the determining factor. If i had mailed the payment and it was post mark the XXXX, Carringtons practice is to use the post mark date as I have been instructed by Carrington mortgage services.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

THe property was foreclosed in XX/XX/XXXX by XXXX acting on behalf of XXXX XXXX XXXX.  XXXX issued debt cancellation and a XXXX which was pocessed on my XXXX federal tax return. 

Shellpoint Mortgage Servicing started " servicing '' this mortgage in XX/XX/XXXX and sent me several notices. I send them notification that there was no outstanding debt. They sent me documents during XXXX that were in error and admitted in a phone call in XXXX that I was not responsible for the debt. Subseqnently, in XXXX they sent a " corrected '' XXXX showing cancellation of debt in XXXX. This has been filed with IRS even though it is in error. I can not file my XXXX federal taxes until this is resolved. Shellpoint is NOT thoroughly investigating my claim that the debt was cancelled in XXXX. 

I have contacted Shellpoint Mortgage Servicing by phone and by mail. On XX/XX/XXXX I received an email with two letters stating they are not in error. These letters are in error. 

On XX/XX/XXXX, I spoke with XXXX who confirmed the cancellation of debt in XX/XX/XXXX. 
They are sending me a copy of letter that explains this. 

Somehow in XX/XX/XXXX a list of accounts was transferred from XXXX to Shellpoint and apparently my account was on the list in error.l Shellpoint reference number : XXXX XXXX reference number : XXXX Shellpoint Mortgaging has copies of all the relevant documention showing the XXXX foreclosure and XXXX. Attached is a complete history of the property mortgage activity.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in 2 more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and stressed about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out