davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (TN)

Hello, I am a person with extremely high standards of ethics and never engaging in any wrongdoing. All my debts and payments are always on time. Today, i noticed a huge drop in my credit score. Upon further checking, I found that a credit collection agency called Sequium has left a derogatory mark of having not paid {$110.00} for XXXX XXXX XXXX company. I am shocked to see that on my credit report. 
History with XXXX XXXX XXXX : I own a XXXX XXXX XXXX phone and had called XXXX XXXX XXXX to enquire about any newer plan or phone upgrade eligibility. They convinced me to get a brand new phone with {$0.00} down payment and ensured that it will not require a new line. I agreed to find later that they had charged me for the phone and also asked me to get a new line. As soon as I recieved that email, I contacted XXXX XXXX XXXX and said I do not want the phone in that case. The representative on the other line assured me that he has cancelled the order and that I will not be charged since I had not recieved the phone yet. Few days later, i recieve the phone. I call them again and they ask me to send it back saying that it was a mistake. I sent the phone back immediately. A month later I recieve a bill of {$110.00} for the phone i never agreed to buy but recieved, for the phone i never opened, for the phone i never used and for the phone i returned promptly. I called them yet again and they assured me yet again that it was a mistake and that the phone line was cancelled and can not be found in my name at all so i should not liable for that payment. Months later, I receive a letter from collection agency notifying me of the pending payment of {$110.00}. Furious at this, I called XXXX XXXX XXXX again and they maintained their stance that it could have been an accident and that their system does not show that new phone and line in my name and hence i never was liable for any payment. I am attaching the proof from that last call because I had insisted that they send me that in writing because of multiple calls involved. Months later, today, i see a huge drop in my credit score. And I must say, I am HUGELY DISAPPOINTED, SHOCKED and FURIOUS all at once! The fair resolution would be for the SEQUIUM collection agency to drop these charges against me on my credit report. I also demand a written apology from both XXXX XXXX XXXX and SEQUIUM for causing mental trauma by doing this. 

I demand justice and i demand the credit agency dropping this charge against me!!
Consumer complaint received 2022-08-17
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. (CA)

On XX/XX/XXXX, I entered into a lease agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. XXXX XXXX XXXX received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX. 

In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over 100 points. I logged into my credit monitoring tool and saw new negative information from XXXX XXXX XXXX, indicating that the account was closed and late. I immediately disputed the information and contacted XXXX XXXX XXXX and demanded they correct the information within XXXX hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from Equifax, Equifax decided to remove the account from my report for XXXX XXXX XXXX 's failure to respond. 

On XX/XX/XXXX, I received a notice from Equifax that XXXX XXXX XXXX demanded that the account be re-added back to my Equifax credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted XXXX XXXX XXXX and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific FICO scores. 

At this point, I got into a back and forth with Equifax, XXXX ( the credit monitoring tool I use ), as well as XXXX XXXX XXXX, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently. 

On XX/XX/XXXX, I was able to submit a dispute through Equifax against the data in my report regarding XXXX XXXX XXXX. On XX/XX/XXXX I received the results, and XXXX XXXX XXXX has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.
Consumer complaint received 2023-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Case Law Firm, S.C. (WI)

On XX/XX/XXXX I received a debt collection validation notice from XXXX XXXX XXXX  Attorney at Law, Case Law Firm, S.C. XXXX, WI XXXX. 
In this notice XXXX XXXX failed to include any language advising me of my rights, including any information on how to dispute the alleged debt. She also failed to include a required " tear off '' form that can be used to send correspondence to the debt collector to dispute the alleged debt or take other actions. This being a clear violation of CFPB new debt collection rule XX/XX/XXXX. I submitted a correspondence to XXXX XXXX advising such and asked that she refrain from using deceptive practices in an attempt to collect a debt.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2020 my savings was completely withdrawal from my chase savings account. Ive filed a fraud document with chase today, XX/XX/2020. The amount was {$11000.00}. I thought I could trust this person with my information login and of course I was betrayed.
Consumer complaint received 2023-01-07
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
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. (GA)

n 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 XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX, Account name : # XXXX Account name : # XXXX Account # XXXX Account XXXX XXXXXXXX Account XXXX XXXXXXXX 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 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 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I applied for a mortgage on XX/XX/XXXX, I was denied due to there being " disputes '' on my credit report from Experian which happened to just be " comments '' according to the support person. On XX/XX/XXXX I woke up checked my credit reports to see if anything happened to my credit report as a result of the hard inquire, It was the same credit score and the inquiries ' were posted already. On XX/XX/XXXX I called Experian to have these disputes dropped from my credit report, I was told that this action would not have a negative effect on my credit as they were just comments. After the dispute comments were taken and results were submitted to me from Experian. credit was pulled at a 60 point drop. No one knows what happened, I've been placed on hold for hours and hung up on by a membership supervisor by the name of XXXX after I asked if he can check that the work that was done to my report by his employee was done correctly as that was the last known change to my credit report. I pay a bunch of money a month to keep up with Experian monitoring and the ball has been dropped. 
Experian is the only agency that had a disastrous effect to my credit, XXXX  and XXXX  who also received the same hard inquire did not drop 60 points
Consumer complaint received 2023-03-08
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. (NJ)

THERE ARE ERRORS IN MY REPORT. XXXX  XXXX {$290.00} XX/XX/XXXX. XXXX  XXXX XXXX  {$1300.00} XX/XX/XXXX. XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$35000.00} XX/XX/XXXX. XXXX  XXXX  XXXX  {$700.00} XX/XX/XXXX. XXXX XXXX XXXX {$890.00} XX/XX/XXXX. XXXX. XXXX XXXX {$930.00} XX/XX/XXXX.
Consumer complaint received 2023-03-15
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. (IN)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2022-11-06
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. (GA)

XXXX 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 XXXXXXXX Account name : # XXXX Account namXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account XXXX XXXXXXXX AccounXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX 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 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 2023-07-01
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: National Consumer Telecom & Utilities Exchange, Inc. (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from XXXX XXXX XXXX XXXX, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XXXX  date.
Consumer complaint received 2023-03-08
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. (GA)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX ...., has violated my rights XXXX XXXX XXXX ...., Has violated my rights XXXX XXXXXXXX XXXX ...., Has Violated my rights XXXX XXXX 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 agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer report as late for any purpose.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was involved in a small fender bender while driving a rented car from enterprise leasing while I was back in between XXXX in XXXX. It was just a small fender bender and no one was hurt and only small scratches to the bumper as confirmed by the police report. I had purchased the rental insurance at the time of renting the auto and I had my own personal insurance through XXXX as well. The accident happened XX/XX/XXXX. I went back oversees on tour and while away I was sent a collection letter from a company named XXXX claiming I owed {$28000.00} dated XX/XX/XXXX. I did not see the letter till I returned and was shocked. I called and explained that I didnt owe them anything I had insurance and they didnt care. I called XXXX and they said they couldnt find any record of anything and then I contacted XXXX. XXXX looked into it and they were sent the claim. They refused to pay the claim becasue they said it was too high and frivolous. They claimed that if I was served or sued they would pay the claim but thats it. I consulted an attorney and they were unable to do anything. I went back for another tour and just figured I would have to wait and see if they served me. When I got back nothing had happened. So I went to get approved to buy a home and when they pulled my credit I was shocked to find that the collection was showing from XXXX on my transunion credit report. It wasnt on any of the others but none the less it was keeping me from getting a mortgage and buying a home. I disputed the account through transunion twice sending the proof that I didnt owe anyone because I had insurance. They just verified the information both times and I still cant get approved on the mortgage. I had to end up renting again and paying more than I was going to pay for buying a home. Please help me get this off my credit report it is not fair and shouldnt be on there. It has nothing to do with me not paying a loan and its clear that I dont owe it because insurance should have already paid it. Lastly they did all of this to me while I was XXXX. Please help.
Consumer complaint received 2023-01-07
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX//2022 ; XXXX XXXX XX/XX//2022 ; XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX department store reported me late for payment XX/XX/XXXX and XX/XX/XXXX but did pay in full interest, late fee and payment XX/XX/XXXX and XX/XX/XXXX. contacted XXXX XXXX to have them remove late payment notived with all XXXX credit reporting agencies but XXXX XXXX department store is willing even though ful payment was payed including late fee, interest and balance. this late payment reporting by XXXX XXXX to all credit reporting agencies has lwered my credid score resulting in my husband NOt qualifying for thet op tier 30 year home refinance of 4 % but rather qualifying for 4.25 % 30 year. ALL because i was lateyes twice but also did pay the late fee, interest and balance to XXXX XXXX department store
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Zions Debt Holdings (TX)

Collection company did a negative report to my credit score which it makes it drop down, but after I spoke to them instead of helping they refused to send a report of when the account was open and not able to help, and since XXXX is a new month they made another negative report by adding {$5.00} dollars more to the standing balance, which I think is NOT legal, besides that they keep threading me with text and being very unprofesional. 

Name of the collection agency is : Zion Debt Holdings
Consumer complaint received 2020-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Specialized Loan Servicing has refused to have their attorney contact us. They did not respond to the breach of contract of charging over the Kentucky State Usury Law that is 8 % and is in their contract ( page is attached ) the employees are not trained to address this nor do they understand the complaint. 


PLEASE HAVE AN ATTORNEY RESPOND TO US!
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NC)

Between XXXX and XXXX I had 28 fraudulent charges ( totaling {$160.00} ) on my card ... ... ..all with the same merchant name. I talked to XXXX and used their online tool to check for charges to my card number and they did not show any charges. I reported this activity within days of the charges showing up. AMEX has always been responsive on the phone, issued replacement cards and for the first few charges they were prompt in communications and provisional credit. To date, they have refunded 20 charges for {$77.00}. With the remaining 8 charges ( totaling {$84.00} ) AMEX has been much more difficult. I have reported these charges no less than four times and each time the phone staff are very responsive, but the credits never get issued. It has now been almost two months since I first reported the most recent fraudulent activity. I have one confirmation dated XXXX ( several weeks after reporting the charges ) stating they would credit my account for {$52.00}. This credit has never occurred. After multiple additional attempts ( and contacting the Office of the President ) to get provisional credit, I received another letter on XXXX stating they have issued provisional credit for {$31.00}. This credit has not occurred to date. The resolution date is XXXX which is over XXXX months from the time I first reported the activity. 

Finally, after 3-4 calls to the Fraud department and a letter and 3 calls to the Office of the President they did provide the remaining credit that they had been promising for over a month. This credit was provided without any letters, emails of verbal communication from the company ... ... .just a credit that i happened to notice on my account.
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (TX)

On XX/XX/XXXX I sent a letter to rescind my car contract. In the letter I stated the violations the company has violated as well as what I wanted. They had XXXX days to respond and have yet to respond. I always saw XXXX pages in my car contract that were signed by somebody else.