davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$2.00}
Consumer complaint received 2023-03-11
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX Balance {$360000.00}.
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX  Account XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by UHC and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX  and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The information XXXX XXXX XXXX of {$5500.00} from XXXX XXXX XXXXXXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.
Consumer complaint received 2023-03-11
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. (TX)

When I review my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to update these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00}
Consumer complaint received 2023-03-11
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. (CA)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$29.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX XXXXXXXX Balance : {$740.00} XXXX  XXXX Balance : {$720.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'm filing my complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. 
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 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

I opened a Victoria Secret credit card XX/XX/XXXX, and fully paid the principal as well as all late fees XX/XX/XXXX. The bank decided to wait to put this towards my balance until the day after another late fee was issued. After {$340.00} in late fees ( which was over double what my account limit was which was a {$100.00} spending limit ) it was sent to XXXX XXXX agency. Comenity bank says they have no access to any payments that were ever made and XXXX says that only the bank has access to my payments and amounts. The collection agency was sold this account on XX/XX/XXXX, yet did not report it to my credit until XX/XX/XXXX.
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/18, I was served with a notice to appear for a pretrial conference/mediation with regard to a suit apparently filed against me by XXXX XXXX XXXX for an alleged debt that they purchased from XXXX XXXX. On several occasions, I have requested that XXXX XXXX XXXX cease communication with me, and was therefore more than a little surprised that they proceeded in this manner given their blatant violations of the FDCPA. I had assumed that the matter was now being handled by their legal counsel and I would be able to resolve the matter with counsel. The next day, XX/XX/18, I received yet another call from XXXX XXXX, XXXX, I advised the caller that I wished to receive no more calls, and terminated the call. Within seconds, XXXX XXXX, XXXX called me again, and placed me on hold. I held so that i could notify the caller of the most recent call, I waited on hold for approximately 10-15 minutes, and hung up. Once again, within seconds, XXXX XXXX, XXXX called me again! According to the FDCPA, if I request a debt collector to stop calling, they are required to do so. I have proof of this violation, as well as several other instances of XXXX XXXX 's disregard for the FDCPA. On XX/XX/18, I wrote a letter explaining this to the attorney representing XXXX XXXX, XXXX, and explained that I would be willing to forego the filing of a suit against their company for their numerous FDCPA violations if they would agree to dismiss the suit filed against me, and to delete any collection activity from my credit report. To date, I have not received a response.
Consumer complaint received 2023-01-21
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX 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 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-10
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. (FL)

I've written Equifax on two occassions in regards to two accounts appearing on my credit report as a result of ID Theft. I requested Equifax to block these account in accordance with Section 605B of the FCRA as these accounts which does not relate to any transactions that I have made. These accounts Include XXXX XXXX  and XXXX XXXX.
Consumer complaint received 2023-03-10
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: Bread Financial Holdings, Inc. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose
Consumer complaint received 2023-03-10
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. (AL)

I submitted a dispute on XXXX about incorrect late payment reporting on my account for XXXX XXXX. They did not do an thorough investigation, as they responded within 6 hours just showing my payments online. They are disputing I was 60 days late on XXXX XXXX, On time payment for XXXX XXXX, 60 Days late for XXXX XXXX, 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX This is invalid data. On my XXXX report I am showing XXXX late payment for XXXX XXXX at 30 days late. This is the only correct late payment. I have reached out to their support team via email several times to rectify this and they have not responded. The email I am sending it to is XXXX XXXX
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (MN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, MN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$990.00} ; I XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX.
Consumer complaint received 2023-03-10
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. (FL)

I am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently upheld a practice of timely payments on this account, ensuring they are never past due. The existence of late payment remarks on my accounts is perplexing. According to 15 USC 1666b - Billing Error, these should be addressed.
Consumer complaint received 2023-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Carrington mortgage has been collecting my payments without explanation as to where it's being distributed and utilizing an evolving total payment necessary to enforce strict deadlines under threat of foreclosure. Multiple payments remain unaccounted for. They forced me into a foreclosure and slotted me for a bailout. I qualified for a bailout and was told my account was zeroed out and to resume normal payments as of XXXX. Upon going to make XXXX payment, in full, online suddenly states an additional {$1500.00} in " uncollected fees ''?? I have received no correspondence of any sort informing me of any remaining balance such as that. I can not just submit my normal payment safely, as I can not reach anyone to explain nor accept just my normal payment, online, telephone nor fax. The only person I could reach said it was out of his hands and directed me to write a hand written letter requesting any information I would want and send it to Carrington research and provided me with a fax number. He said that you're not accept phone calls or electronic mail and that they would take 30 business days to respond to my request. The fax number proved ultimately to be non-existent I tried it two different places to send it and it would not go through. I have also just found out that they are under investigation and being legally penalized for the very types of things they have been doing to me. I need immediate help so I can make my mortgage payment safely and figure out how to further proceed from here. Any feedback would be greatly appreciated. Thank you very much
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I did not receive any notification from the collection agency, and then I found it on my credit report for a wrong amount. I called them and asked why I had not received written notification of the debt, and they said they emailed it to an email address I had never heard of. Which means my private information was being sent ( repeatedly ) to a stranger. I contacted the original creditor and they verified that they sent my correct email address, which means somehow they mixed up my file with someone else 's. My mailing address was correct in their files, but they did not mail anything until I put in a dispute with the credit bureaus. They verified over the phone that they only sent it over email, and tried to call. ( I did not receive calls, but I assume it's because their number comes up as spam through my phone carrier ). 
Despite telling them that I was not notified they refused to start over the process and stop reporting it. I'm not sure how they " verified the debt '' when the amount was incorrect and they had the wrong contact information. 
They also insisted that they did not buy or own the debt, but were only working on behalf of the original creditor and I could go back and pay them directly, but the creditor said the opposite. I have placed disputes with the credit bureaus but this is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-25
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (KS)

I contacted Wells Fargo Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of Wells Fargo improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical Wells Fargo ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and Wells Fargo aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and XXXX are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, XXXX Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that Wells Fargo send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.
Consumer complaint received 2019-12-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (IL)

I have been getting threatening calls from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors Santander consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with XXXX XXXX XXXX. 

I continue to get several calls a day from XXXX  and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told XXXX  that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan. 

I was told by XXXX  that I am being pursued by XXXX XXXX but when I called XXXX I was told to call Santander because Santander handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called Santander again at XXXX and I was told again that this account is not in litigation. 

On XX/XX/XXXX I also spoke with an agent from XXXX  and was also explained the file is in litigation. They keep calling Help please
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX