davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (TX)

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 Name : XXXX XXXX & XXXX XXXX account # XXXX 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 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IL)

In XX/XX/XXXX I became aware that I had been a victim of identity fraud and had multiple consumer accounts opened under my name. While I was able to place a fraud alert on my credit report and resolve and close a majority of them with no issue, an account with XXXX I have not been able to resolve. In XX/XX/XXXX I filed a report with the FTC and mailed it along with the fraud packet with per the process on the XXXX website, which resulted in nothing. I spent a few phone trying to speak with a rep about it and was transferred in circles getting nowhere. 

During the same time I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX stating that the fraudulent XXXX account had been placed in collections with a total of {$450.00} due XXXX document attached ). 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the collections account had been placed with them for a new total of {$2200.00} XXXX document attached ). Around this time I contacted a law firm for help and requested my credit report from the major bureaus, all which had the collections account reported. I was also receiving multiple calls a day from the company. 

XX/XX/XXXX I received a letter from Source Receivables Management stating that the collection was now with them for the same amount ( doc attached ). On XX/XX/XXXX I sent a debt dispute letter to them. All communications trying to collect the debt stopped and I thought it was taken care of. 

In XX/XX/XXXX I was unable to lease a car without a co-signer because of my credit score from the collections account still being on my XXXX report. 

XX/XX/XXXX - I filed an initial dispute with XXXX about the account. 
XX/XX/XXXX - XXXX replied and confirmed the account was accurate. 
XX/XX/XXXX - I filed a second dispute, with supporting documents ( written statement attached ). 
XX/XX/XXXX - Another fraud alert was placed on my report XX/XX/XXXX - Received mail from XXXX about the second dispute investigation stating the collections account is " Not Specified '' and still on my report. 

I have also taken steps to file a police report to send as documentation if necessary.
Consumer complaint received 2023-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I received a call from Capital One asking to verify if I applied for a XXXX  credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.
Consumer complaint received 2020-01-17
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: Experian Information Solutions Inc. (OH)

On XX/XX/2019, I entered into a small loan agreement with XXXX, XXXX by utilizing their website at XXXX. Unknown to me at the time, XXXX, XXXX, and their supporting partner, XXXX XXXX XXXX, initiated this loan in violation of Ohio Consumer Protection laws, to be exact, Ohio Revised Code 1321.36. This loan is paid in full, however, XXXX , XXXX is reporting this account illegally to my Experian credit report. 

I have tried to resolve this with both Experian and XXXX, XXXX XXXX, XXXX refuses to  follow state consumer protection laws and continues to illegally report this account on my credit report. Their argument is that XXXX XXXX XXXX ( who does not even appear on my credit report ) is legally allowed to enter into this loan according to 12 U.S. Code 85.

The Dodd-Frank Act allows state consumer protection laws to supersede federal lending laws when there is no discrimination present against the bank. Ohio Revised Code 1321.36 simply states that " all '' short term loan lenders must be licensed by the State of  Ohio to provide short term loans. Because neither XXXX, XXXX or XXXX XXXX XXXX  are licensed to provide short term loans in the State of Ohio, they are in fact illegally reporting this information to Experian. Licenses can be searched online at https : XXXX.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have false information on which XXXX, XXXX, and TransUnion are reporting on my credit reports. I have NON MAILABLE ADDRESSES on my reports, False Names, Invalid Phone numbers, etc. I was XXXX since XX/XX/XXXX to XX/XX/XXXX in which I will provide documentation. I will also provide documentation of my name and proof of address that is MAILABLE. XXXX, XXXX, and TransUnion Are in violation of the Privacy Act of 1974, 16 CFR 313.1, 15 USC 1681, 15 USC 6802. I shouldnt have anything on any of my credit reports due to the fact that I was Incarcerated. This needs immediate attention as I cant access XXXX for the XXXX XXXX and XXXX XXXX documents I need due to inaccurate reporting by XXXX. I cant create Disputes with TransUnion and XXXX due to the fact that the information requested is unverifiable. I am not able to access anything due to verification processes that are clearly inaccurate.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, 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. (VA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & wiener telephone number XXXX, just got off the phone with XXXX XXXX he is the manager in that company, he treated me very disgusting and rude making inappropriate XXXX gestures and comments on the phone trying to be rude and hurt me. I pay the bill in full last week I have screenshots they promised me on a recorded phone line that they would give me 25+ points they only gave me XXXX points and then he was very angry that I called back in to complain I told him thats fraudulent transaction they did not keep their end of the bargain You can even hear me on the recorded phone line saying that the lady said shes gon na give us 25 + points on the phone if we paid her same day which I did immediately I kept my end of the deal. she did not one time stop me and say no thats not true or try to correct me. she told me that if I paid every penny in full she would give me 25+ points and expedited to the XXXX and XXXX with the company did expedite it but they only gave me XXXX points which is fraudulent that was not part of the deal, when I try to speak to the manager he is very rude makes inappropriate comments and was screaming at me on the phone would not help me at all would not even allow me to speak, please help me this is hurting my credit score I did everything they told me to do and they broke the rules theyre not following through on their end Please listen to the recorded phone line XXXX XXXX is fraudulent the manager hes trying to take avantage of me I kept my end of the deal please help me
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

I have verbally requested Santander Mortgage Servicing to update my mailing address for my 2 mortgages I have with them. I previously updated Santander 's 'banking side ' verbally and this was not an issue. However I was told by Santander Mortgage Servicing that they were required " by law '' to get my request to update my mortgage mailing address in writing. To the best of my knowledge that is a lie, there is/are no Federal or State laws which require such a request in writing, as a matter of fact if anything its just the opposite, Santander Mortgage Servicing has a fiduciary responsibility to update my mailing address as quickly as possible, something they are refusing to do without a signed written request. There is no need for that as it only further exacerbates the fact my personal financial information has been being mailed to the incorrect address for the past six-months. 

My mailing address is ( and needs to be updated on both mortgages to ) : XXXX XXXX XXXX  XXXX XXXX, FL XXXX That's all that needs to be done, and Santander is  refusing to do so without a signed written authorization, and providing false, misleading and/or blatantly incorrect information as to why. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

I received a promo offer for 5 X points for charges on my Care Credit account through XX/XX/20. I used my card at a network dental provider, but did not receive the promo offer. I have sent multiple messages, and called Synchrony Bank, up to and including sending pictures of the actual promo received. They are stating that it was a XXXX offer, and it is very clear to me that they are not even referencing the promo I received. I have the promo card offer there are no dates other than charges thru XX/XX/20. I received 2 X points, but not the 5 points offered on the mailer. Very deceptive and misleading advertising. I have had multiple issues with this bank and the integrity of their promo offers.
Consumer complaint received 2023-01-17
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. (TX)

To all Credit Reporting publishers and providers of FRAUDULENT INFORMATION. XXXX XXXX, XXXX XXXX XXXX EXPERIAN XXXX XXXX THE CONSUMER IS AWARE OF YOU DEPRIVATION, CONSPIRACY as well as your FRAUDULENT ACCUSATIONS and IDENTITY THEFT COMMITTED BY YOUR LYING XXXX COMPANIES. I HAVE MADE NO INQUIRIES, REQUEST OTJER THAN REMOVAL OF ANY FALSE DEBT, ACCUSATIONS FROM MY NAME AND MY CREDIT REPORTS, YET FOUND INQUIRIES AND IDENTY THEFT COMMITTED BY YOUR COMPANIES AS WELL AS THE INTENTFUL COVERUP OF MY IDENTITY. BEING STOLEN BY THIEVES IF WHOM WERE SUCCESSFUL IN STEALING MY INFORMATION, GAINED ACCESS THROUGH YOUR XOMPANIES AND USED MY INFORMATIIN TO GAIN PROPERTY USING MY NAME. YOU HID MY PATICIPATION BY APPLYING TAXTICES THAT WERE UNLAWFUL IN EVERY ASPECT TO HIDE THAT FACT THEN LIED BY OBSTRUCTION TO KEEP THE FACTS HIDDEN FROM THE WORLD COURT, AS WELL AS THE FCRA AND THE FEDERAL TRADE COMMISSION! YET I HAVE EVIDENCE AND SOLID PROOF TO SHOW THAT ALL OFF YOU ARE ACCOUNTABLE FOR HARM CAUSED BY YOUR DECWIPT TO DEFRAUD THE POULATION OF XXXX XXXX PROPER REMEDY! BECAUSE OF THAT PROOF, ALL OF YOU WILL BE FOUND GUILTY OF SEDICIOUS FRAUD, TAMPERING WITH EVIDENCE, AND CONSPIRACY TO DEFRAUD THE PUBLIC TRUST THROUGH IDENTITY THEFT! I HAVE THE PROOF AND THE CASE FILES TO PROVE IT! SO XXXX ALL OF YOU! YOU WILL DELETE ALL INQUIRIES, ALL FALSITY OF ACCUSATIONS FROM MY CREDIT REPORTS AND RENDER TO THE CONSUMER ALL REMEDY AND STATUTORY DAMAGES OWED FOR HIDING ALL PROOF OF SUCH EVENTS AND DISTRACTION BY ALLEGATIONS OF THE CONSUMER 'S CHARACTER AND CREDIT STATUS THROUGH MONETARY DAMAGES THE CONSUMER RIGHTFULLY DESERVES! YOU HAVE ALL BEEN WARNED!!
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have a loan with CARRINGTON MORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX  and CARRINGTON MORTGAGE with no successful resolution. XXXX, XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late 2019.
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NE)

My mortgage company, SunTrust has not removed the PMI from my loan. I have paid well over half of the mortage. I contacted them in XX/XX/XXXXand was told the company needed 12 months of payments and it would come off automatically. But at this point the loan was already paid off over 40 %. So I waited until XX/XX/XXXX when they said it would automatically come off and it did not. I called SunTrust and they said I needed to request for its removal in writing. I did that over 3 weeks ago and have not heard back.
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Hello, my name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In XXXX i allowed EQUIFAX XXXX to do an employee Screening for a Job that i had started At XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX . 
The next season which was the same year of the databreach in XXXX i was not hired because i didnt pass the screening. I was never even able ti View my W-2 or Paystubbs or anything.

Until This Day i have Been unable to recieve a real CREDIT REPORT OR EVEN A FREEZE BC I AM DENIED ACCESS. THE CREDIT REPORT I FINALLY RECENTLY RECIEVED AFTER 5 YEARS AND IDENTITY THEFT DID NOT LOOK AUTHENTIC AND WAS COMPLETELY EMPTY. MY HIRING PROCESS WAS THROUGH THEM SO HOW WOULD MY REPORT BE COMPLETELY EMPTY?
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (KY)

My husband and I have been trying to get on a budget drafting plan. We have paid in full ahead for 2 months. We sent paperwork in originally XXXX/XXXX/22. They said we needed the paperwork and pay XXXX in full in by XX/XX/22 to make this happen. We did everything. It never happened. The told us to try again. So, we have resent everything again. Our next mortgage payment is now not due till XXXX as we are paying early to try to get on the budget plan. This is advantageous to the company to not have us on a budget plan as they make more money off interest. I am currently on hold with them as I write this because they will not let me talk to someone. The company keeps telling us to call back days later and nothing is getting done. We are going to have to pay AGAIN a month in advance if this does not work again.
Consumer complaint received 2023-01-17
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)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX XXXX TRANSUNION, I, XXXX XXXX, have written this letter claim that these accounts are falsely listed on my credit report with your bureau. The accounts are fraudulent I did not open these following items/Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Amount : {$12000.00} Account Number XXXX Reported Balance {$12000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : {$490.00} Account Number XXXX Reported Balance {$490.00} Party Owed : I have contacted local authoritys and banks and now request this be removed
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against experian. I have sent numerous letters requesting for Experian to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. Theyre listing an address that DOES NOT BELONG TO ME. They wont remove it.
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC (NJ)

Hello, I got call saying you have no responded this means you have waived your right and tomorrow XX/XX/XXXX this will be turned over. Either you or your attorney call l me sometime today so we can have your statement on file. I called back left a message I said i'm not trying to dodge the debt. I couldn't pay because loss a job. we emailed each other. I said I'd like to negotiate a settlement. He said no I can not accept the terms. I said I can pay XXXX per month. I'd also like something in writing due to the fact I never got anything in writing from them before regarding this. I never heard back again I followed up by email no response. But i'm getting calls at home and on my cell telling me this is our fourth call to you we are going to sue you have until 5 today to call us. I emailed XXXX XXXX to let him know i'm still getting these calls no response. The amount is {$1000.00}
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX XXXX XXXX XXXX reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$9300.00} Final Payment and Case History reported from the Trustees on XX/XX/XXXX = Balance Due XXXX XXXX XXXX payment in XX/XX/XXXX to XXXX XXXX ( XXXX XXXX XXXX XXXX The payment from XXXX XXXX is greater than the Balance due listed in the Final Payment Case History effective XX/XX/XXXX. 
XXXX XXXX was paid more than the balance due, therefore there shouldn't be balance listed on my credit report. 



I do not have a contract with this company and I don't owe the debt, there shouldnt be a monthly payment for a paid account, No of months ( terms ) should not be listed, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance, and letter from XXXX XXXX reflecting payment after dismissal. This vehicle was totaled the overpayment was made, greater than the balance provided to the courts. ] I am actually owed overpayment from XXXX XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my 3rd formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.