davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (MN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  account has violated my rights 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 XXXXXXXX  15 USC 1681 section 602A. States I have the right to privacy.

15 USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions and I did not give written instruction.

15 USC 1681c ( a ) ( 5 ) section 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) 1 ( A ) a person shall not furnish Any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (IN)

Us bank calls me every day on my credit card. My payment will be one month late and each time I talk with them I told them I was going to pay a large amount at once due to my house being sold. They hoards me sometimes calling two and sometimes 3 times a day. This is total harassment. I've told them I had a XXXX XXXX and had to change jobs it's XXXX XXXX XXXX. I want them off my back I reccomend nobody uses bank credit cards or morthage. They are not people friendly
Consumer complaint received 2024-03-19
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 2023-05-09
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Name : XXXX XXXX I have a charge off account in my name with XXXX XXXX. I shouldve received a 1099-C Cancellation of Debt Form. Because of that, the account is INACCURATE and HAS TO BE REMOVED
Consumer complaint received 2023-12-27
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. (CA)

I am writing to follow up on my previous dispute regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter. 

**See letters for the disputed items
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit A*R, Inc. (VA)

I rented a car from XXXX, it had reported damage on the rear bumper according to my rental receipt, I noted damaged when I walked into the hotel parking lot the next day. I asked for a photo of previous damage, and all correspondence associated with in, instead they sent me to a collection agency ( Summit ).

I communicated with Summit over the phone and asked them to only communicate with me in writing. I asked them in writing for a copy of the photo of the vehicles reported damage prior to me renting the car so I could sent it to my insurance, which would have covered the damage. Instead I continued to get rude phone calls telling me to State your Name. I offered to settle the debt in writing, but instead they reported me as a charge off.
Consumer complaint received 2020-03-05
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)

These accounts are fraudulent : XXXX  XXXX XXXX XXXX {$880.00} XXXX {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$2700.00}
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has incorrectly reported that I have a late payment for my card in XX/XX/2022. This has caused my credit score to go down significantly. I have contacted the company 3 times and this has not been corrected. I have also filed disputes will all 3 credit bureaus and this has not been resolved. I have confirmed with Capital One that I paid the card on time 100 % of the time.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo takes my payments from my checking account and insists they have not received payments. I have all documentation of payments being made. I use Wells Fargo bill pay online to pay my Wells Fargo mortgage. The monies have been consistently deducted from my checking account. Even if I use a direct payment to WF the money is redirected to other Wells Fago accounts that are not mine. Wells Fargo keeps sending me notifications of collection and does nothing to correct it and admits the money has been redirected and claims it's an internal issue but won't document it. When I spoke with Wells Fargo Management I simply asked where are my money and they admitted it was received but they can't find it and insist I am in rears. I have never in 30 years missed a payment. This all began when I refinanced on XXXX I have all the documentation Wells Fargo has withdrawn my funds internally from my account but keeps harassing and doing a run around to me and refuses through incompetence to correct the issue.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid 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 (CO)

I purchased a brand new car In XX/XX/XXXX I used my credit card as the down payment for {$3000.00}. In XX/XX/XXXX I found out that the car was sold to me damaged along with non original parts I kept contacting the merchant and they WIll not communicate with me I chose to get my credit card company involved to find out what is going on I spoke to them in XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I have provided them with numerous documentation to show proof that i am In the right and the merchant is in the wrong my credit card company just turns around every time I dispute the charge and tells me to resolve it with the merchant they will not do anything about it. The merchant will not communicate with me so that's why I am trying to have my credit card company handle it but they won't.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (TN)

1.I have never had an account with this company XXXX XXXX XXXX XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are MARINER FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-01-05
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. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX 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  XX/XX/XXXX
Consumer complaint received 2020-03-05
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 — Problem with personal statement of dispute
Company: Hillcrest Davidson & Associates (CO)

Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

We have had a fixed loan which includes our property taxes and insurance. We have never missed a payment. We are going on over 9 months of an additional {$100.00} added to our fixed loan payment. Our mortgage company was at default with our house insurance and was being canceled if not payed. I took time off work to directly go to our insurance manager and have the payment directly wired. Our mortgage company said they had sent out a check, which was routed to the incorrect facility. The check was destroyed and an email documentation was sent to the proper department for confirmation. We have made several calls to confirm that there was never a double payment, refund or credit on any account. Which made us responsible for the extra amount of escrow monies added to out monthly payment. Our mortgage company has promised to take care of this. No calls returned. No credit applied. Not a word from anyone. Flag Star Bank. We have confirmation numbers, names, and our insurance/county representatives fully behind us to confirm that Flag star bank has not represented us fairly.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Upon reviewing my credit report, I noticed that these late payments listed below are inaccurately reported, which is adversely effecting my creditworthiness. 
XXXX XXXXXXXX XXXX with account number XXXX XXXX XXXX with account number XXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 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 unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case.

If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as " Paid on Time '' or " OK ''.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands.
Consumer complaint received 2023-01-05
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. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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. Kindly update the following items immediately : XXXXXXXX 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 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

At roughly XXXX XXXX  on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX PayPal and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, PayPal Credit/Synchrony and XXXX  XXXX XXXX XXXX 

I notified all of my banks ( XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, PayPal/Synchrony ) of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. XXXX  XXXX XXXX and PayPal/Synchrony , however, did not.

PayPal Credit/Synchrony did not reverse {$2000.00} in charges from PayPal Credit sent to two individuals, and stated over the phone that it was my fault that this occurred. They stated that if I did not pay this balance that it would be sent to collections, so I paid the balance. 

XXXX  XXXX XXXX sent a notice by mail with instructions for submitting a fraud claim. I submitted the fraud claim but did not receive a response for some time. After closing the previously near XXXX balance account, it now appears that XXXX  XXXX XXXX did not reverse a fraudulent {$3000.00} phone purchase at an XXXX  Store in XXXX XXXX, NY, an {$800.00} XXXX ride and {$60.00} in purchases from stores in XXXX  XXXX  XXXX, and has added {$720.00} in late fees, interest and charge off fees, and has now sent the balance to collections.
Consumer complaint received 2023-01-05
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)

This is " CLIENTS NAME '', and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still a remaining account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

Enhanced recovery company keeps reporting a fraudulent collection to the credit bureaus for a collection at att mobility. I've been a customer with XXXX  over 5 years and they have already proven to the credit bureaus that my accounts have always been in good standing never late or missed payments. XXXX and XXXX have both deleted the collection and confirmed with XXXX that it was fraud. Enhanced recovery company continues to place this item on my reports and attempts to make me pay a fraudulent charge. XXXX deleted the collection the same day it was placed on XX/XX/2020. The company placed it on my report for XXXX  again on XX/XX/2020 and XXXX  confirmed fraud and deleted it the same day on XX/XX/2020
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I have a collections account in the amount of {$430.00} that is being reported by XXXX XXXX XXXX in error. 

XXXX bought my account from Synchrony bank in XX/XX/XXXX. On XX/XX/XXXX, I wrote to Synchrony and XXXX asking for the date of delinquency because I believed the debt was to old to be reported on my credit file. XXXX sent a letter, in XXXX, which I dont speak. However I was able to have the letter interpreted and was told that it stated an investigation was being conducted. 

I received two letters from Synchony bank dated XX/XX/XXXX. One letter stated that they contacted the credit agencies and asked for the trade line to be removed from my consumer credit report. The other letter from Synchrony directed me to contact XXXX for any questions. I tried to contact both via telephone to find out the status of my inquiry to no avail. 

I want to know what is the status of my inquiry to both Synchrony and XXXX and when will the incorrect trade line be removed from my credit report?