davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-07
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. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ASAP Credit Repair (TX)

I was scammed out of {$440.00} During the process I been trying to get funds back from the beginning but was told I had to wait until the process was over. I was also told if I wasnt satisfied I would get my money back XXXX percent so during the process the company took XXXX item off which managed to return causing my credit score to drop XXXX points!!! When I informed them they treated me poorly never apologized! I also deleted items off of my credit and I was informed for me to show them proof so they can refund me and when I showed them they ignored me!
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ONLINE Information Services, Inc. (NC)

XXXX XXXX  year of male seeking a reduced apartment community. Needed a one bedroom apartment in XXXX zip code area. Was refused the apartment on a credit report. Only two accounts out of eight were delinquent. Both medical accounts and were dated XX/XX/14 when I was trying to get XXXX which took 3 years. Those 3 years I was unable to work and had no earnings to pay the bills. I had no idea I was delinquent on paying the medical bills. One was a bill from XX/XX/2014 with a past due of {$73.00}. The other was a bill from 2014 with a past due of {$100.00}. I've never had any convictions or driving accidents since I was in my XXXX 's. I lost an apartment because of this report. I plan to pay the {$170.00} now that I know I owe that much. It feels very unfair that I can not get a low income apartment because of this report. I'm back on a waiting list and will have to live with my XXXX XXXX XXXX parents who supported me when I had no money coming in. The report came from ONLINE Information Services, XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX XXXX
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (WA)

On XX/XX/2022 I mailed a Dispute Letter to all three of the Credit Bureaus, to include Equifax. I mailed all of these by USPS Certified Mail and tracked all of them to their delivery dates. When I realized that it had been nearly 2 months without hearing anything from Equifax I call them on or about XX/XX/2022. 

In that phone call I made notes in order to reasonably follow through with receiving Investigation Results from Equifax. I first spoke with XXXX, XXXX ID # XXXX, who told me there was no dispute on file? I asked for her Supervisor and was put on a lengthy hold. When the call was picked up the Supervisors nave was XXXX, XXXX. ID # XXXX. Who proceeded to tell me that Equifax had never received my Dispute Letter. I replied saying that I had the USPS Certified Receipts to demonstrate that Equifax had in fact received my dispute on XXXX XXXX, 2022. XXXX simply denied that it had ever been received and, rather cavalierly, told me there was nothing left to talk about. They didnt have it and that was it, stating that there was nothing left for me to do other than file yet another Dispute? 

I informed both XXXX and XXXX of the fact that I have since received Investigation Results from both XXXX & XXXX. Where the disputes sent to them were sent on the same day I mailed my dispute to Equifax. In each case both XXXX and XXXX simply disregarded this information without reply as if it weren't even relevant to them. 

Here you will find four attached pages demonstrating 1. The letter I sent to Equifax, dated XXXX/XXXX/2022. 2. A copy of both the Purchase, for all three of the Credit Bureaus, and the Tracking Receipt for Equifax. 3. Two pages printed from the USPS Tracking site following the Dispute Letter to Delivery on XX/XX/XXXX. 

XXXX XXXX XXXX  Class Action Alleges Equifax Routinely Fails to Reinvestigate Disputed Consumer Report Information Rivera v. Equifax Information Services , Llc According to a class action, Equifax routinely ignores its reinvestigation obligation under the FCRA when a consumer disputes inquiry information.
Consumer complaint received 2022-05-23
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. (AL)

In accordance with the Fair Credit Reporting act XXXX 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 2022-05-23
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. (MI)

In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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 states a consumer reporting agency can not furnish an 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 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (UT)

I had a mortgage with Ocwen and filed a chapter XXXX bankruptcy in 2012 and it was discharged. However, Ocwen is still reporting the account negatively after the bankruptcy and it is affecting my credit negatively which is against the bankruptcy laws.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, the Employment Development Department ( EDD ) of California paid me unemployment insurance in the amount of {$12000.00} through the debit card administrated by the Bank of American. After I withdraw about {$8000.00}, the bank closed my debit card for identity reason. I completed verifying my identity through EDD by XX/XX/XXXX, but the bank continued to keep my account closed and refuse to release the $ XXXX fund to me. From XX/XX/XXXX to now, I called the bank many times but they always insisted that the fund is with EDD. The EDD says that once the fund was deposited into the debit card, it is controlled by the bank. I think what the EDD says is correct.
Consumer complaint received 2021-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is reporting on my Personal Credit Report a Card that is a business account. I am the CEO/Owner of the company yet it is not a personal credit card. I have tried to dispute and reached out yet they have not removed the negative mark of my personal credit allowing it to reflect on the Business Credit. This is Illegal. 

I have know legal binding personal relation to the XXXX XXXX XXXX credit Account. The card that they are reporting on is a Chase closed business account credit card account ending in XXXX Chase XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-13
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)

In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2022-05-23
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. (AL)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-11-20
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. (SC)

On XX/XX/2021 I sent a letter to Experian about 3 collection accounts. I have yet to receive any kind of follow up on my account. Pursuant to 15 USC 1692g ( B ), they legally have to respond in 30 days or less. They violated the law by not doing so. Due to the violation, I demand that the accounts are DELETED IMMEDIATELY! 

THE FOLLOWING ACCOUNTS WERE IN DISPUTE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2018-07-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (CA)

I used their service in XX/XX/XXXX or XX/XX/XXXX and ultimately had medical issues that forced me to fil for Bankruptcy in XX/XX/XXXX. 

Today, after more than a year, I received a call from XXXX XXXX at XXXX  ( she claims is a collection company working for XXXX. Her phone number XXXX ext XXXX. She has called my home, my cell and my work today to threaten to send an officer with paperwork tomorrow morning. 

I reminded her that I had filed for bankruptcy and she said they would file another type of charge against me if I didn't agree to pay a settlement amount.
Consumer complaint received 2022-05-23
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: CREDIT ACCEPTANCE CORPORATION (MS)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without 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 late for any purpose
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Today I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AR)

I have had a GreenTree loan on a mobile home for XXXX years. It was our only option we could find at the time as newly wed first time buyers. Our original loan was for approximately {$60000.00} and was written for XXXX years at 10.5 %. I now still owe XXXX on a XXXX old mobile home that has no refinance value. 
For reference, I am not behind on payments and have good credit ( XXXX beacon ). I feel very taken advantage of as a XXXXyr old first time buyer. I have paid well over {$100000.00} so far and will have paid over {$200000.00} by the time we complete our loan. I understand the cost of financing but feel this is beyond excessive. Dose this not fall into a predatory lending category? I feel like we have more then paid our debt and more then compensated GreenTree for their help getting some kids started XX/XX/XXXX. Enough is enough.
Consumer complaint received 2022-12-17
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)

I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX : {$760.00}
Consumer complaint received 2019-06-12
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: State Collection Service, Inc. (MD)

Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation.

no credit debt should be on my XXXX  account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX  should remove promptly from my report. 
1ST STATE COLLECTION XXXX has been PAID IN FULL ( Showing on my report ) 2ND state collection -should be deleted not my charge XXXX 3rd XXXX  XXXX XXXX  should be deleted not verified XXXX Total of XXXX They have received information on this prior.
Consumer complaint received 2022-05-23
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-05-23
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Collection account. {$6.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc. (CA)

KelKris ( XXXX Credit Bureau Associates ) drafted a Stipulation to Set Aside Default and for Settlement and Entry of Judgment to discharge a debt filed against me. The company 's attorney negotiated an amount of {$4200.00} with my attorney, I accepted it, and sent them a check in keeping with their instructions in the Agreement. Now they are reneging on it saying the {$4200.00} was in error. Now they are saying they want {$6700.00}.
Consumer complaint received 2022-11-30
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. (NC)

On XX/XX/2022, I submitted a cfpb compliant ID # XXXX against XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. XXXX replied on XX/XX/2022 alleging that I still have an outstanding balance of {$2400.00} which is different from what they are reporting to the credit reporting agencies. In XXXX response, they alleged that the balance at the time of loss was {$14000.00}. The breakdown of the settlement from XXXX XXXX XXXX, XXXX stated the contractual Payoff at the time of loss was {$13000.00}. XXXX stated that they received {$11000.00} from the insurance company and {$70.00} from the XXXX company. They did not include the XXXX refund for {$460.00} that XXXX still had as I never received a refund. On XX/XX/2022, XXXX stated in the attached response that they would mail me a copy of the audit, signed contract, and payment history. Today is XX/XX/2022 and I have still not received anything from XXXX.