davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (IL)

I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have attached a copy of all supportive documents for my statement
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (SC)

American Express Placed bogus fees and then withdraw unauthorized funds from the Auto pay of my Financial Institution. ( They double collected {$1200.00} twice, at first they claimed that I had it arranged but then they demanded it forcibly, brutally, with uncivilized manner and language ). They took away all My bonus points. Made my account unusable and are using Defaming practices! I am still fully current with all their deceptive and defaming plans. 
Then they complained that I did not pay them enough. 
Am Express XXXX XXXX XXXX Account Never been tardy since its creation in 1988!
Consumer complaint received 2021-12-22
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. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my experion report. Now on my XXXX report it says I was late 2 times and they not the same months as experion report also XXXX XXXX is reporting different months also
Consumer complaint received 2021-03-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (FL)

I received a letter from Debt Recovery Solutions on XX/XX/XXXX that stated I owed {$240.00} to XXXX XXXX for an unpaid payday loan.. I disregarded the letter bc I do not owe XXXX  XXXX anything and I currently have a payday loan with them and you cant have a new loan unless the other one is paid off. The next day I was notified by XXXX  and XXXX  and XXXX  about a collection from Debt Recovery Solutions. On Monday XX/XX/XXXX I called Debt Recovery Solutions and I explained to them I did not owe anything to XXXX XXXX and I have the receipt that shows paid in full on XX/XX/XXXX. They said to send documentation to XXXX which I did when we hung up they said it would take 3 weeks or so to resolve this. On Tuesday XX/XX/XXXX I called XXXX XXXX to see if they can help me and they said that they do not know how Debt Recovery Solutions obtained my info. They said they did not sell my info to a 3rd party. I am writing this complaint bc Debt Recovery Solutions is fraudulently reporting a collection that has been pain in full since XXXX XXXX There is no reason this should be on my credit reports. I owe no money to XXXX XXXX and Debt Recovery Solutions I believe is committing fraud and committing a crime by falsely reporting something that is not true ... I have attached the receipt from XXXX XXXX that shows paid in full on XX/XX/XXXX and also the letter Debt Recovery Solutions sent me dated XX/XX/XXXX ..one year and three months after the debt was paid in full
Consumer complaint received 2022-12-03
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. (LA)

n accordance with the Fair Credit Reporting act, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX FCU XX/XX/2022, XXXX XXXX XXXX XXXX, 2022 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 2022-10-07
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. (MI)

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. 
XXXX XXXX XXXX XXXX : # XXXX, State of mi office chi : # XXXXXXXX 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 a account with my written instructions
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (VA)

On XX/XX/XXXX, I locked my rate with Better Mortgage for a purchase transaction. Before I locked my rate, I was matched with a XXXX XXXX XXXX XXXX XXXX and therefore qualified for the Better Mortgage XXXX XXXX refund ( XXXX XXXX XXXX ). The 1 % refund ( {$5100.00} ) was applied shortly after I locked my rate and my interest rate was lowered from 3.125 % with roughly {$4800.00} in lender credits to 2.75 % with {$3300.00} lender credit. Eventually I noticed that the 2.75 % interest rate included {$1800.00} in points. However, the rate table, which is attached, had a rate that included a 2.75 % interest rate with {$700.00} in lender credits. At this point, I contacted my loan officer to determine the discrepancy between the rate that I originally locked at. After some back and forth, my loan officer eventually mentioned that if I wanted a lower rate then I would lose some of the credits. I understand that Better has a policy that provides max lender credits of {$5000.00} for each interest rate but there was no explanation about why they changed the rate table or why I was no eligible for the 2.625 % or 2.5 % rate on the attached rate table.
Consumer complaint received 2021-06-12
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: EQUIFAX, INC. (OR)

My XXXX  account had unauthorized services added to my plan by an authorized dealer. XXXX refused to reconcile the issue. So I canceled my account, but XXXX refused to close it until I paid off the unauthorized charges. I submitted proof of billing discrepancies to XXXX  on 2 different occasions, but they refuse to remove it even after seeing the double billing. For example, they added a 6gig data plan for XXXX  extra a month, when my plan was already unlimited data. And I never had tablet, but I was being charged for one.
Consumer complaint received 2021-12-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (NC)

On Tuesday, XX/XX/2021, I received a collection call from Lightstream ( A division of SunTrust Bank/ now Truist ). During this call, the agent committed numerous violations of my consumer rights. During this call, after I disputed the validity of the alleged debt, the agent informed me further collection activities would continue. I told her tat would be a violation. I told her they have 5 days to send me validation of the alleged debt. Today ( XX/XX/2021 ) is the 6th business after the initial call and I've yet to receive any response, which violates 15 usc 1692g ( a ). 

On XX/XX/2021, I sent them ( SunTrust Bank ) a cautionary notice and invoice for those violations I found. 

I need them to provide me with all documentary materials related to my consumer credit transaction.
Consumer complaint received 2019-10-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (OH)

To Whom It May Concern, Refinance House Loan Amount {$330000.00} Payoffs and Payments : XXXX XXXX : {$300000.00} ( Only paid {$300000.00} XXXX XXXX XXXX : {$9400.00} ( Paid in full ) XXXX : {$7100.00} ( Paid in full ) XXXX XXXX {$2300.00} ( Paid in full ) XXXX XXXX XXXX ( Paid in full ) XXXX  Card {$290.00} ( Paid in full ) XXXX {$49.00} ( Paid in full ) I was told by XXXX XXXX that I would get back all of my escrow money, which was {$1500.00}. I only received a check for {$58.00}. I am not going to sign the check for this amount. XXXX kept {$1400.00} of my escrow. I was told by XXXX that XXXX did not pay the full amount and they only received {$300000.00}. They said that XXXX XXXX told them to take my escrow money. I then called XXXX XXXX and they said that Cross Country called XXXX and told them to use my escrow money to pay the difference. 

I was lied to by XXXX XXXX. He told me I would receive all of my escrow money, then proceeded to call XXXX and take it. I was never told they were taking my escrow and I never authorized them to take my money. If I would have known this, I would have never taken the loan. That payoff was supposed to come out of the {$330000.00} that I borrowed. 

When it came time to sign the papers, they tried to pull a fast one and wanted me to pay {$1600.00} up front. I was not aware and I told the person I am not signing anything. He left and then I called XXXX XXXX. XXXX said that was a mistake and then called the XXXX XXXX to redo the paperwork. The person called back in a couple of hours. They took off the {$1600.00}, then they pulled this with the escrow account. They robbed me of my money. I am wondering if they gave the person that we signed papers with the money. Something seems fishy about this situation. 

He also had some {$1600.00} on the paperwork for half a point. I asked him what that was and he said dont pay attention to that, youre not paying for points. I asked him why that was on there. I told him I dont pay for points, I would never do the loan if I have to pay for points. 

XXXX XXXX from Cross Country told me that they changed the payoff on the mortgage after I signed the papers. The escrow that they took out from XXXX, said they took it to pay the insurance because the insurance went up. The insurance is only {$870.00} a year and it does not come out until XXXX. Then he said that the money came out to pay the mortgage company. They also changed the mortgage amount without me being informed and then XXXX XXXX said that I already signed the papers and it's too late, that I am stuck with the bill. I was deceived because they didn't follow the truth in lending law by informing me that they changed the mortgage amount and if I would have known that then I would of never done the loan.
Consumer complaint received 2022-02-03
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. (AL)

On XX/XX/XXXX Transunion dropped my credit score XXXX points because of a hard inquiry. IT IS NO WAY THEY CAN DROP THAT MANY POINTS FOR A HARD INQUIRY!! Now I just had XXXX to come off on XX/XX/XXXX and they raised my score up XXXX points!! Transunion hurt my credit score and my ability to get credit!! I need this taken care of or Im suing!!
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (TX)

Western Finance address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX phone : XXXX email : XXXX During routine attempts at contacting me via references, gave my loan info to my reference to accept a payment of a past due balance.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2007, I was a victim of identity theft. As a result, the XXXX and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Transunion. After several years of disputing the debt with the XXXX, and with the help of the XXXX, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Transunion has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Transunion to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Transunion does n't want to do it. I finally called the XXXX again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Transunion to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

Today, XX/XX/22 I obtained my credit reports from XXXX Credit Report website, per usual Equifax 's wouldn't work. Before ( like the past few years ) I never had the time to sit on the phone or they were closed for the day by time I could call them, but today I did after yet another " failed verification '' even though XXXX and XXXX has never had an issue. After waiting on hold for XXXX minutes, the lady sent me a link to upload my license front, back, and a picture of myself to then be told it didn't verify. A FOR PROFIT company illegally not letting us obtain our reports is highly unethical and illegal per yours and XXXX acts. I find it very unsettling that they want everything but a blood sample but won't give you the information that is being used against you, because they are paid off by the supposed scamming debt XXXX.
Consumer complaint received 2019-10-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have noticed that BK OF AM have placed an inquiry on my XXXX and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested XXXX XXXX XXXX XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

XXXX continues to report fraudulent debts in my name. A XXXX and XXXX XXXX accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to XXXX debt collectors back in XX/XX/XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately. 

The XXXX police department file for this was filed back in XX/XX/XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have received a copy of my consumer report from XXXX XXXX XXXX and I have received copies of my experian, XXXX, XXXX XXXX reports and they have not done as I have said as a federally protected consumer and I need you to go after these cra 's and get them to provide the written consent that i authorized these reportings. I have a right to privacy and I have a right to safety, and I have been violated and each unauthorized reportings are in violation of the FCRA. 
There's several inaccurate marks that are damaging my name, I am being damaged daily and these violations because each violation is XXXX per remark. This is causing me XXXX XXXX and a lifetime of damage for pain and suffering. It is illegal to report transactions that are not approved and with my written consent. I appreciate you for stepping in and making sure these agencies are following the law and they MUST compensate me for this abuse and violations of my private information. Pain/ suffering is also a fee that they will need to compensate me for. 

I have attached the report that shows all the inquiries that must have a written consent for every single reporting. 15 usc 1681 FCRA : 1974 privacy act.
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I sent a debt validation letter three times on the following dates : XX/XX/2022, XX/XX/2022 and XX/XX/2022 and each time this company has failed to validate the debt. They have refused my rights in knowing the adequate validation requirement and have included numerous falsified statements within each letter response. Instead, this company sent a list of my medical records in which I know is a direct violation of HIPPA regulations. I never signed a HIPPA authorization form permitting this company to have access to my personal medical files.