davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

****Hello, My name is " XXXX XXXX XXXX, I have been trying to correct my credit report over the past year but it seems no success. According to my recent credit report request from XXXX   there are several inaccurate accounts on my report. I notice that all of the name, addresses, employment information and all the hard inquiries are incorrect. There are also some derogatory accounts that are not belong to me or our association that I demand removal as they are in violation of the following applicable credit reporting laws : *** 15 USC 1681623 ( a ) of FCRA/FACTA ****I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are all of name, addresses and employment information that need to be removed : **************************************************** _NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _EMPLOYMENT INFO XXXX XXXX XXXX % % % % % % % % % % % % % % % % % % % % % % % _ADDRESSES REPORTED XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ************************************* _HARD INQUIRIES *XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX **XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Home/Office Furnishings ( XXXX ) XXXX _COLLECTIONS OF DEBT : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Consumer complaint received 2022-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I made payments to bogus accounts thinking they were legitimate. My emails were compromised and I received what I thought were legitimate vendors changing their ACH info. The vendors they chose have been long-time suppliers, 30 years for one, 20 for another, and 5 or 6 years on the 3rd. The scammers duplicated their statements and used names of people that I have been dealing with for YEARS. They duplicated their logos, and their email signatures to be exact replicas. I had absolutely no reason to question it. Even the email addresses appeared real, until we noticed afterwards, upon " reply '' one letter was swapped. We realized we were scammed when the last ACH was flagged by a receiving bank and returned to us. When we started to investigate we realized the other payments were compromised. I spoke to the receiving banks and they told me at the time there were funds in the accounts, couldn't tell me how much, but said if my bank, TD, sent a hold-harmless letter they could return what was available. TD sat on that for over a week and by then there was nothing left. When I set up the ACH info on my TD bank website it asks for business name, routing number and account number. One of the receiving banks told me the money went to an individual 's account, not the business name I included in the ACH set-up, even though it was bogus. Why this is allowed, I have no idea. It is akin to someone cashing a check made out to someone else. I feel BOTH my bank, TD, and the receiving banks are complicit in this because they allowed they didn't match all 3 criteria.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax is the only bureau reporting 11 " unknown '' collections on my credit report. The other credit bureaus don't have anything negative on them. I have no idea what these are and it is unfair that they can just report " unknown '' items totaling 11 that aren't even mine let alone not doing a proper investigation by law that they are required to do when I file a dispute. They didn't respond to the one I filed ignoring it completely also a violation of the law. Supposed no-name account numbers below : Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX Unknown XXXX
Consumer complaint received 2024-02-29
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. (IA)

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. 
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 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. 

The following accounts 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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: LEXISNEXIS (UT)

LexisNexis is still reporting to XXXX and XXXX of my bankruptcy this is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy According to 602. Congressional findings and statement of purpose [ 15 U.S.C.

1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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 instructions of the consumer to whom it relates.

So if I didnt give them written instructions to report this information according to the law above wouldnt that make it illegal, and a violation of section 604 for LexisNexis to report such false and erroneous report. The Bankruptcy courts DOES NOT REPORT ANY INFORMATION TO ANY CONSUMER REORTING AGENCIES OR CREDIT BUREAUS.
Consumer complaint received 2022-06-13
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: CCS Financial Services, Inc. (NC)

" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2018-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

CFPB, " Rent Recovery Solutions '' is refusing to comply with the law. They have YET to supply me with proof that I owe them money and keep sending me documents that do not have my actual signature on it from ANOTHER COMPANY. Then, the only recent response from them was " The signatures on the contract are electronic and our client holds that they are valid. '' That is literally all that was sent to me in my previous complaint REQUESTING A CONTRACT BETWEEN ME AND " Rent Recovery Solutions ''. Please tell me how in the world this addresses the issue. It doesn't. ACCORDING TO THE FCRA & FDCPA, THIS IS NOT SUFFICIENT OR VALID. A contract between me and " Rent Recovery Solutions '' must be supplied to me, and if it is not, then they MUST DELETE this account from my credit reports.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (OH)

On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX I sent XXXX a letter disputing a derogatory mark on my credit from a company that has illegally bought my account from Cominity Bank, now XXXX has my personal information and can not provide me information with my original company. They have sent me the same generic letter twice explaining that it is not on my report. When I sent proof from their website that it is along with the dispute letter.
Consumer complaint received 2018-12-08
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: JPMORGAN CHASE & CO. (NY)

I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA Lawyer - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When Congress passes laws about a lot of issues - Jobs - Healthcare - Guns - to quickly state 3 examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with ADA - ACA - FOPA & a very large number of other laws! 

Please help the employees of your company understand these concepts!
Consumer complaint received 2023-03-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: InstaMortgage Inc. (NC)

One week before closing on the house, the underwriter tried to sabotage the deal. I was still on XXXX XXXX, but in the process of retiring. The underwriter wanted my VA XXXX rating, which is never awarded prior to separation from the military. I was required to pay down points for this VA loan. They wanted me to come out of pocket {$50000.00}, but fortunately we were able to come down from this and I was able to do the deal only coming out of pocket {$33000.00} to close. {$14000.00} was paid to pay down points. This is predatory behavior, and I would not recommend this company to anyone. I am a retired, XXXX veteran and I almost became homeless because of this underwriter.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (UT)

I received a letter stating that I owe debt to this company on XX/XX/2022. I am unsure as to why I owe this company money, so I consulted my attorney and sent them a letter asking them to validate this debt, provide proof they are able to collect this debt, itemized bill of the debt, as well as an agreement for me to pay this debt. My lawyer mailed a certified letter to this collector on XX/XX/2022 and we did not receive a response. I was surprised to find they have now reported this debt and it is not effecting my credit.
Consumer complaint received 2023-03-24
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the following items will be corrected ASAP. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

I have attempted to get this account that is listed as two different collections removed for the last 6months. The collection keeps being readded with incorrect dates for the collection. This company is not following regulations please help me remove speedy cash from my credit report.
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

AFNI, INC at address XXXX XXXX XXXX XXXX IL XXXX is reporting an account on my credit reports in the amount of {$670.00}. I don't know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

On XX/XX/2018 XXXX XXXX XXXX denied me housing for the following reasons * Unable to verify income - I sent my XXXX statements along with a spreadsheet breaking down payments * Garnishment, attachment, foreclosure, reposession, collection action or judgement - I had none of these that I was aware of and was not given an opportunity to explain anything on my report. I did end up having a collection which is due to a California Bank failing to apply GAP insurance payments for a car that was " totaled '' to my loan. I am filing a separate complaint on the bank.

* Delinquent prior or current credit obligations with others - This is false, I had a clean credit report and the bank where I financed my vehicle actually lowered my rate from over 20 % to around 15 % due to a clean credit report.

* Unfavorable payment history with another apartment community.

- This is false. I terminated a lease early with the property owners permission due to getting shot at by drug dealers who were selling drugs across the street.

* Prior eviction proceedings.

- This is false, I have never undergone eviction proceedings that I am aware of.

I also called TransUnion XXXX XXXX who provided the rental application and they verified that there were no evictions on my credit report.
Consumer complaint received 2023-03-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

I had XXXX collection is from medical payment, the payment should be my previous insurance company cover the bill, but I dont know why I got the collection, no one call me or mail me. And I dont even know is what kind of bill it is. The amount is {$1700.00}. The date is XXXX XXXX
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Madison Management Services, LLC (KY)

There are serious errors in how this company tracks its accounting. Several of my payments going back to XX/XX/2016have not been factored in to the current balance. I have not had any of my payments applied to the principal balance in 7 months. There are no associates that understand the data presented on the website and I can not get a copy proof of what the new fees are that I am being charged. 
My entire account needs to be audited for errors going back 3 years and Im looking for someone who has the authority. If this is not resolved I will take it to a lawyer.
Consumer complaint received 2024-02-29
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. (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.

15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : 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 ) ( XXXX ) 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 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NM)

On XXXX XXXX XXXX 2018 my dog was attacked by a pitbull in an incident that left her XXXX XXXX XXXX. The vet said XXXX would be required and I did not have enough money in my savings so the vet assistants offered me care credit and gave me a pamphlet about it. The pamphlet stated that I would have 6 months interest free on purchases and afterwards a 26.99 apr rate. This wasnt too different from my other credit cards so I naively agreed to it before reading care credits reviews. I took the offer and put {$1000.00} on credit from the vet bill. I payed the minimum monthly payment the first 6 months and expected the monthly interest afterwards to be $ 20- {$30.00}. After 6 months my payments had brought my balance down to {$810.00}. Then the FIRST statement after the 6 months were up came back with a whopping {$130.00} interest charge on purchases. Bringing my balance to {$940.00}. Almost back up to what I initially owed before payments. First of all the pamphlet said the first 6 months were interest free. So either this company was overtly lying on their advertising or charged me incorrectly. Either way it is very disingenuous to not be clear to consumers as to what they are signing up for when they sign up for this card and outright predatory to do this to people who are in need of medical care for themselves or their pets. I would of happily applied for a reliable company like chase credit if I had known this would be the case.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to experian to remove a collection from my account on multiple occasions. They are still reporting inaccurate information. I have provided a XXXX  number and I have also provided court records, they still refuse the remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Per FCRA experian must : modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) I have  provided court documentation twice, along with XXXX case number, but Experian still report this on my credit and they are in direct violation of FCRA.