davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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: HCFS Healthcare Financial Services of TeamHealth (WA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION Account Number XXXX Date Opened XX/XX/2017 Balance {$910.00}
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Credit Reporting Act. XXXX Account # XXXX ( XX/XX/XXXX ) {$680.00} and XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, 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 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

After receiving my credit report from LexisNexis, I notice an extensive amount of inaccuracies ( report dated XX/XX/2019 ) .On XX/XX/2019, I mailed a request - requesting that they update their report file, and I furnished correct information regarding my identity.I included a copy of a letter from the Illinois bankruptcy court stating that they do Not perform any activities with credit bureaus as their report indicates.I included a copy of my drivers license ; social security card, copies of bills to prove my address. 
On XX/XX/2019, I received a response that appeared to be a bit of window dressing, because what it stated is not what I requested. The response was a two page letter - on the front page it was dated XX/XX/2019, but on the back it was dated XX/XX/2019. I will include a copy along with this statement. 
On XX/XX/XXXX, I received another report from LexisNexis stating that they had completed their investigation and their findings follow.The report states that they have deleted the inaccurate information.However, the only information shown deleted was a few phone numbers and the incorrect birth dates. 
I will include copies of pages of the report that show inaccurate information that I requested be removed remains. Please note that I have highlighted on each page the inaccuracies in accords with my letters to them.
Consumer complaint received 2022-02-27
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX  compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX  compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-02-27
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. (ID)

An acct has been paid in full and still shows open. Filled a dispute and came back {$100.00} difference so it shows something changed. On my line of credit it shows last update XX/XX/2021 So my debt to ratio is off. Disputed it and came back as same. 
Someone needs to sue XXXX, equfax they dont answer phone calls or I like this one send you paperwork to verify its you so it jams everything up. Need to get that fixed so its not a crutch for them. Well XXXX yeah its me my score is so low nobody would steal my information. Just purchased a car at way high interest because of so many problems that should be fixed. XXXX more over the life of loan. Enough is enough CFPB.
Consumer complaint received 2024-02-19
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. (MS)

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/2024 This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

sent me a letter out of nowhere, I have never seen anything related to this before. I moved out of XXXX  already for a year to XXXX I have always had insurance, for the last 6 years the same policy and company and never saw any claims from quest.
Consumer complaint received 2022-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (LA)

submitted multiple SCRA THE SERVICEMEMBERS CIVIL RELIEF ACT requests for repayment of overcharged in interest overpaid. Louisiana SCRA extends benefits to servicemembers for any accounts that have over 6 % interest. 

Louisiana is a Key Provision State which extends SCRA benefits to servicemembers for debits that occur WHILE on XXXX XXXX not just debit that was occurred before XXXX XXXX service. Below is the reference : 4.2 Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). 
Also, Louisiana extends SCRA benefits for debt incurred WHILE on XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on ALL debts, not just those incurred prior to XXXX XXXX. 
Due to these circumstances, I would qualify because of the unique protection that Louisiana has for XXXX XXXX families. According to the SCRA : A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (FL)

I am disputing this company because they are negatively reporting on my credit report and the account is supposed to be closed. 

I used their financial service to buy a puppy and in there contract it clearly states if the animal is lost, stolen or dies before contract is paid in full, the contract would be terminated and closed at the point if they were notified. I have written this company several times letting them know the animal was lost/stolen from my backyard and this contract should be closed and they are still reporting negative to reporting agencies. This is a breach of their own contract that they sent me and wrote themselves. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. with that being said since company is negatively reporting false money owed and in breach of contract, I am forced to take Legal Remedy for a Breach of Contract. You have 30days to close the account and remove all negative remarks from my credit report and mark account as closed or due to my Rights Under the Fair Credit Reporting Act, I shall start issuing FCRA Violations of {$1000.00} per violation and {$5000.00} for Punitive damages and Actual Damages for harm that has been caused to my credit report, and stress it has put on me financially. Please be advise if not removed I also will be adding in Attorney fees and court costs and since this is a breach of term clearly stated in contract we also will demand a full refund be issued for monies paid and want account closed immediately with XXXX balance and no negative remarks.
Consumer complaint received 2022-02-27
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)

I am disputing this company because they are negatively reporting on my credit report and the account is supposed to be closed. 

I used their financial service to buy a puppy and in there contract it clearly states if the animal is lost, stolen or dies before contract is paid in full, the contract would be terminated and closed at the point if they were notified. I have written this company several times letting them know the animal was lost/stolen from my backyard and this contract should be closed and they are still reporting negative to reporting agencies. This is a breach of their own contract that they sent me and wrote themselves. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. with that being said since company is negatively reporting false money owed and in breach of contract, I am forced to take Legal Remedy for a Breach of Contract. You have 30days to close the account and remove all negative remarks from my credit report and mark account as closed or due to my Rights Under the Fair Credit Reporting Act, I shall start issuing FCRA Violations of {$1000.00} per violation and {$5000.00} for Punitive damages and Actual Damages for harm that has been caused to my credit report, and stress it has put on me financially. Please be advise if not removed I also will be adding in Attorney fees and court costs and since this is a breach of term clearly stated in contract we also will demand a full refund be issued for monies paid and want account closed immediately with XXXX balance and no negative remarks.
Consumer complaint received 2022-02-27
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)

EQUIFAX, XXXX, XXXX ARE FRUADS!!!!!!! AND ruining consumers CREDIT!!!!!! I HOPE THIS COMPANY GETS SHUT DOWN By the government!!!! 

EQUIFAX DO NOT DESERVE TO BE IN BUSINESS SINCE THEY DO WRONG BY MANY CONSUMERS!!!! 

Im going to EXPOSE you in a LIE and keep it very short and simple. 

So, CFPB, pay attention to the details to what I state and the documentation for PROOF of what I say. 

I, XXXX XXXX, sent EQUIFAX an letter via certified mail ( I got the receipt ) dated on XX/XX/2022 and CLEARLY explaining to Equifax that there is billing errors- 15 U.S. Code 1666 - Correction of billing errors on my report and it needs to be corrected. 

I also called the same day to tell Equifax to update all the late payments on my report that its a billing error. They use the same old excuse that they have to investigate and it could take up to XXXX. 

What the the XXXX is that? I AM THE CONSUMER AND XXXX TELLING YOU ITS AN BILLING ERROR - 15 U.S. Code 1666 - Correction of billing errors AND TELLING YOU TO UPDATE AS PAID ON TIME So today, XX/XX/2022 I received a letter from Equifax stating they need they needs two forms of ID from me, keep in mind the first letter I sent had a copy of my drivers license in it, so now they using that as an excuse!!! 

Because remember I called them the same day to confirm and verify all MY INFORMATION!!! 

You XXXX crooks!!!! 

Yall just caught yall selves in a lie!!!!! 

so its clear that Equifax DO NOT follow Federal Law!!! EQUIFAX IS IN MANY VIOLATIONS AND NEEDS TO BE PUNISHED AND SHUT THIS COMPANY DOWN!!!! 

Equifax is putting out false information and misleading - 15 U.S. Code 1692e - False or misleading representations Equifax is - 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS Equifax is violating the Fair Credit Reporting Act - 15 U.S. Code 1681 - Congressional findings and statement of purpose Equifax is abusing me by reporting false information on my behalf after Im telling them of their wrong doings - 15 U.S. Code 1692d - Harassment or abuse Equifax reporting late on a open ended credit plan and that is a VIOLATION 15USC 1666 ( B ) EQUIFAX DO NOT RESPECT THE FAIR CREDIT ACT!!!! 

And for that reason they needs to shut you XXXX down I hate Equifax and as a consumer I have the rights to express myself!!! Yall are ruining my life and Justice needs to be done today!!!!!!!!!!!! SHUT DOWN EQUIFAX!!!!!!!!!!!!!!
Consumer complaint received 2022-02-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

I have a XXXX  with Suntrust Bank since XXXX. The loan amount was {$15000.00} variable rates, Interest only. Since then, the interest rates have dropped tremendously, but my rates have never changed. As of XX/XX/XXXX, my loan amount have not reduced and I have been paying, on time, for 10 years now. I've made extra payments on the principle and still no reduction. I have called and complaint to Suntrust, but no one could explain why my balance still remain the same or more. Currently the balance is {$15000.00}. They now have changed their name to Truist. Please help!! I'm a XXXX  citizen and I think the bank is taking advantage of me.
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX BANK Account # 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 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, ONEMAIN Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-24
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. (GA)

My name is XXXX XXXX I have starting back in XXXX send multiple documents to trans union about a bankruptcy case XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX Transunion states that they get there information from XXXX I then contacted XXXX XX/XX/XXXX who did an investigation and found the information to be in error, I have tried with XXXX and credit pros to assist in getting the erroneous information removed and as of the documents sent to Transunion and received by them on XX/XX/XXXX still refusing to remove information even though the date of birth and year of birth doesnt match mine. I contacted a supervisor with Transunion who once again said it was a third party, when pressed on the issues as who I was once again told XXXX. I then on XX/XX/XXXX contacted XXXX who stated they are not providing this information and my records with them are clear. My understanding that if ANY of the information being given is erroneous it MUST be removed. Transunion seems to think this does not pertain to them or how they obtain there finding. Also when asked how this information is being given to them they only say a third party and have not disclosed it in writing which still violates my rights as a consumer. I am asking that Transunion be held accountable for the violation of my consumer rights and not conforming to the fare credit act and remove and update my information immediately.
Consumer complaint received 2022-02-26
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. (CA)

I filled and submitted on XXXX seperate dates an identity theft report to Experian, regarding the XXXX XXXX XXXX XXXX, Account number XXXX. 

They responded by sending a templete letter about verification and that they verified the debt. I submitted an indentity theft report, I didnt ask for verification, ( see letter i submitted ) they never did anything. They failed to do a reasonable investigation and they never provided me with proof of an investigation. they never took the fraudluant account off of my credit report even though it is not my account. The report on this account is inaccurate and does not belong to me. so it is impossible to verify what isnt mine to began with. that is impossible. Experian has a duty as a reporting agency, XXXX XXXXXXXX imposes the following duties : Accuracy Guidelines General Prohibition on Reporting inaccurate information Duty to correct and Update Information Duties After Notice of Dispute from Consumer. 

According to the Fair Credit Reporting Act " XXXX '' XXXX XXXXXXXX ( XXXX ) Block of information resulting from identity theft.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (CA)

Called to close the account on XX/XX/2022 the next day at XX/XX/2022 I received a call XXXX from a FORTIVA representative from XXXX. I have records they called earlier at XXXX and XXXX and I declined both calls. I, finally answered at XXXX and the representative asked to re-open my account with a special offer. I said I'm not interested, and I hung up the call. Then hours later get and emailed the account was reopened. When I called XX/XX/2022 to have the account closed. Fortiva refused to close the account because now they claim it has to be closed to the Fraud department. No unauthorized charges have been made. The only issue is they're Sales Retention team opened the account without my authorization and now they are demanding to supply personal documentation to close the account again.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian, XXXX, and XXXX credit reporting agencies are reporting inaccurate information in regards to late payment marks and derogatory remarks in comment section on my reports and I need the late marks removed or corrected to paid as agreed because it is affecting me purchasing my home. my rating of 99 % on time payment history has now dropped because of these inconsistencies in reporting. I am also requesting that the credit reporting agencies are consistent in what all 3 report as far as my account behavior is concerned. I file disputes with all 3 reporting agencies to remove all negative and derogatory remarks from my report seeing how I have no collections on record, no past due payments on accounts and no missed payments on my reported accounts. The comments and derogatory remarks listed DO NOT MATCH MY ACTUAL CONSUMER BEHAVIOR please advise them to correct and address the issues at hand because again it is affecting me purchasing my home right now. Thanks in advance concerning these complaints
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (SC)

The credit card account with Navy Federal is closed and has been closed for some years now. But they are still reporting on my credit report saying Im behind in payments even though the account has been closed by them. They recently reported this and hurt my credit score tremendously and also hurt my score when they closed the account. I need this information removed immediately, from all credit bureaus. If they still wanted me to pay on the account why did they close it?