davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (NC)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SCA COLLECTIONS XXXX Account number XXXX I was unaware of this debt prior to it being reported on my consumer credit report. 
15 U S Code 1681 section 602 A States I have a right to privacy.

15 U S Code 1681 Section 504 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtOn or around XX/XX/XXXX - XXXX 2022 I received numerous calls at my place of employment. 

15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
I have disputed this upon numerous occasions it has affected me receiving credit negatively because of the fraud alert placed on my XXXX Credit Report without my knowledge causing multiple denials and unintended inquires. ( See Attachment )
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (OR)

This company has been contacting me repeatedly as well as contacting my family members. I have asked them several times NOT to contact family members ever again. I have also asked them not to contact me further regarding the debt ( s ), as I have no money and especially now with my hours being cut due to COVID-19 and am facing homelessness. Each time they say they will note the account correctly to ensure I do not receive anymore phone calls and then a few days later I receive yet another call and the people become more and more aggressive and rude.
Consumer complaint received 2022-05-03
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. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-11-05
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: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.
Consumer complaint received 2022-05-03
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. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MI)

these companies are allowing you to skip payments due to Covid-19 however they are still charging high interest rates. They are financially benefiting from a Pandemic and that should be against the law. There needs to be more protection/help for consumers.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

On XX/XX/XXXX or XX/XX/2019, I opened a Schwab Bank and Schwab One account. Schwab had requested additional details such as a proof of address and identification to complete the opening of the account. 

The client data verification department of Schwab had successfully verified my details approximately the end of XX/XX/XXXX. Approximately a day later, my online access to Schwab was blocked and suspended due to 'security reasons '. 

Calls to Schwab had indicated a fraud flag, and multiple calls ( over 8 ) to Schwab went unanswered as the representative was told that the fraud department does not speak with the client directly. 

After a week, on XX/XX/2019, another call was placed, and a Schwab representative informed me that the account was closed without notice by the fraud department. 

Unfortunately, the lack of communication and reasoning by Schwab is ludicrous, as well as the multiple phone calls and communication attempts that were needed to gain even a single piece of information.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (MI)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.
Consumer complaint received 2020-08-03
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: EQUIFAX, INC. (NJ)

I am currently applying for a mortgage, and the lending companies are unable to get by 3rd credit score from Equifax. They have no problems getting my credit report from the other agencies. I have contacted Equifax about this problem at least 10 times over the past month and a half. When I call, I am told that they can't find my file with the information I give them. They requested that I fax documents for proof of identity and residence. I did this, and received a letter in the mail from them saying they can't locate a credit file for me. I called back several times, and the agents say that my previous calls have not been documented, and the fax I sent in was not attached to my file so they can't see it. They then tell me that they are unable to help me with my problem, and when I ask to speak to a supervisor they tell me that there may not be one available. They then place me on hold, and either hang up on me, direct me back to the main line, or tell me that there are no supervisors available and to call back another day. ( This has happened multiple times with different agents ) Today I spoke with an agent, XXXX : ID # XXXX, and the only solution she offered me was to resend the documents even though the agency already received them. She could not guarantee that this would solve the problem.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I never gave capital one my authorization to run a credit check so they took it upon themselves to run a check and it damaged my credit now for 2 years. This is ridiculous that companies are allowed to do this just to hurt someones credit. I already filed a complaint with XXXX  and got nowhere.I got a hard inquiry because of them and its not right. And they have no number or address to get ahold of them it just says capitol one.
Consumer complaint received 2022-05-03
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. (FL)

In acordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In acordance with the fair credit reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR 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 state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

Good morning. As we are trying to buy a house, a delinquent notification of an account showed in my credit report from a company called XXXX XXXX XXXX XXXX. I reached to this company and they told me its a debt from XXXX. I have call over a dozen times to this people and have provided them with the info they have asked several times. My mother was a XXXX XXXX and as I was in the XXXX, she used my information to acquire services under my name, like Cable TV and now this. We didn't know until things started to pop up. She died last year of complications from XXXX/XXXX. I did my investigation and she got this XXXX account because the representative at a mall kiosk in PR was her friend and they used my info for her to get 2 cell phones. That employee no longer works there. I have told them the same thing over a dozen times and provided them with all the information. They said they will take it of my report. This has been going on for a while now and they continue to reach out to me. My credit score went down in a huge way thats to them pushing this in to my report and my house buying process is now at a stop due to this. Please, this is getting overwhelming and as I dig in the web, there is nothing but stories and complaints from this company. 

Please Help. Thanks.
Consumer complaint received 2016-05-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXXXXXX XXXX XXXX XXXX REFERENCE Ocwen Response to CFPB On Friday, XXXX XXXX, 2016 XXXX XXXX , Consumer Financial Protection Bureau XXXXXXXX wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 
Case number : XXXX Status In progress Response Ocwen is currently researching the matter and will provide a response within the allotted timeframe. 

Case number : XXXX The response to Case number : XXXX by Ocwen Loan Servicing , LLC, [ " still working on your issue, and you should hear from them again within 60 days '' ] on a lawfully rescinded mortgage and specifically denied Loan Number : XXXX, and Account Number : XXXX has been to XXXX XXXX XXXX in the following correspondence : XXXX XXXX, 2016 A Trial Modification Mortgage Statement for a lawfully rescinded mortgage A Trial Modification Mortgage Statement for a specifically denied Account Number : XXXX PDF attached XXXX XXXX, 2016 A non verified statement claiming that XXXX XXXX XXXX had submitted application for assistance on specifically denied Loan Number : XXXX A Appraisal created by XXXX PDF attached XXXX XXXX, 2016 A Delinquency Notice for six payments on a lawfully rescinded mortgage A Delinquency Notice for six payments on specifically denied Loan Number : XXXX PDF attached XXXX XXXX, 2016 Notice of initialization of FORCED PLACE INSURANCE on specifically denied Loan Number : XXXXon Lawfully owned property of XXXX XXXX PDF attached
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America Home Loan 's fraud into my account continues. Today this outstanding balance on my account has jumped to {$310000.00} with a interest payment due of {$3300.00}. It's illegal and criminal. Bank need to STOP all these illegal activities into my HELOC account # XXXX now, come clean, reinstate all correct entries, stop harassing me and above all explain and apologize.
Consumer complaint received 2021-06-28
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)

Collection account from XXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I am having issues with the credit bureaus, XXXX, XXXX, and Equifax. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation (SC)

I have notified these consumer reporting agencies on multiple occasions to have this account removed from my consumer report. The collection is paid and is still showing on my consumer report as a derogatory account and its affecting my house buying power as well as me getting acces to funding. In accordance to the No Surprises Act, I know this medical bill should not be on my consumer report and is in complete violation of the No Surprises Act and needs to be deleted immediately. 

Also in accordance to FCRA 15 U.S. Code 1681o Civil Liability for negligent noncompliance which states that : ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance states that : ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liabale to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissable purpose, actual damages {$1000.00}, whichever is greater This means that the consumer reporting agencies XXXX and XXXX are not in compliance with this law because they are not deleting an account I have disputed numereous times and told them to delete it because this account is not of value to me as a consumer. This account is damaging to my consumer report and needs to be removed immediately. Also I never gave RMC ( Receivables Management Corp ) the right to have my medical information and never gave them the right to report this account to any consumer reporting agency on my behalf. 

I am requesting this account be removed from myconsumer report immediately!
Consumer complaint received 2024-02-09
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. (MS)

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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

In XXXX and XX/XX/2023 I tried to make 2 payments on my PayPal credit account and they rejected both payments and told me I did not have the funds in my account to pay which was false information with bank statements for evidence. They tried to charge me a fee for a late payment and returned payment but ultimately waved these fees and then they closed my account and hurt my credit score with no explanation and no contact about this information. Now my account is closed with a balance and they gave no reason why.