davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX and TransUnion are reporting old information in which according to FCRA are old accounts and they can be update from my credit file. I requested via fax again for the updating of the old creditors and the old account haven't been updated. This is the account in which I am asking to be updated from my credit file XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. I am no longer liable for this account.
Consumer complaint received 2021-10-28
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: Experian Information Solutions Inc. (LA)

I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.
Consumer complaint received 2021-10-28
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. (GA)

EQUIFAX is refusing to put a freeze on my credit report! And EQUIFAX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and EQUIFAX continue putting untrue information on my credit report concerning XXXX XXXX XXXX THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
EQUIFAX XXXX XXXX ARE REPORTING XXXX 2 times XXXX IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING XXXX 2 times this is fraud XXXX LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (NY)

When I learned of this debt on my credit report I reached out to Easternaccos to send validation of this debt. They are reporting on my credit report that I owe {$3800.00} and I've never heard of this company. I never received a bill from them regarding this debt before adding it to my credit report. I have sent several letters certified and they haven't responded but they are still reporting to my credit report. My letter was sent certified and the tracking # shows my letter was delivered on XX/XX/XXXX, XXXXXXXX XXXX  NY XXXX
Consumer complaint received 2022-05-13
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. (WA)

Please remove all fraudulent accounts I have no knowledge of these accounts due to the XXXX data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.
Consumer complaint received 2019-11-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

I am the seller of a property and the buyers are using Quicken Loans, Loan Officer XXXX XXXX, NMLS XXXX. I am reporting XXXX based on the communication received from the buyers agent. Quicken Loans canceled two appraisers until finally allowing a third appraiser to complete the project. The appraisal had comps over a year in age and an estate sale and came in lower than contract price. The appraisal was disputed and reviewed and more recent and accurate comps where found. This was the source of the initial closing delay. After this was completed Quicken asked for additional information from the buyer which she provided. She went weeks without communication. I called the loan officer at one point and asked that he communicate with the customer so she could keep us informed of the progress. We were told by the agent that Quicken stated there was a delay because of USDA funding which was a lie because USDA was not having funding issues. We were told the loan had full approval and found out from the attorney that they were waiting for USDA to underwrite the loan. All the communication provided to me from the Buyers Agent which insists the information came from Quicken has been inaccurate. The buyers have missed two closing dates and the contract expires on the XXXX of XXXX. Their negligence has caused me money and may cause the buyer to loose their earnest money as I am not extending the contract past the XXXX.
Consumer complaint received 2019-11-20
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. (TX)

XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX  assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Experian and XXXX are reporting old information in which according to FCRA are old account and they can be update from my credit file. I requested via fax again for the updating of the old creditor and the old account haven't been update. This is the account in which I am asking to be update from my credit file. XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : $ XXXX. I am no longer liable for this account.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I received a letter from Charles Schwab that stated they will close my accounts on XX/XX/2022 for undisclosed reason. I've been a loyal customer with both checking and brokerage accounts with them. I even have the XXXX XXXX Schwab XXXX card associated with Charles Schwab. A few weeks ago I received a phone call just clarifying the frequent activities on the account, and I was told that the activities were perfectly fine and I can proceed with using the accounts as I normally would. Fast forward and now I've received a letter that they will close the account. Charles Schwab is absolutely my favorite bank and brokerage and it's absolutely disheartening to see them lie to me about using my accounts as normal.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX and XXXX are reporting old information in which according to FCRA are old accounts and they can be update from my credit file. I requested via fax again for the updating of the old creditors and the old account haven't been updated. This is the account in which I am asking to be updated from my credit file XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. I am no longer liable for this account.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC (MO)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX  Account Number # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # 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.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account Number # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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.
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

I HAVE A MAJOR CONCERN GOING ON WITH ( WESTLAKE FINANCIAL SERVICES ) MY BILL DATES AS STATE AND LIST EVERY TWO WEEKS. FOR THE LAST 95 DAYS I HAVE ASK SOME AGENTS THAT WORK FOR WESTLAKE FINANCIAL SERVICES COULD THE FIX THE ACH BANKING ISSUES. I WAS TOLD KNOW ON EVERY OCCASION. THE AGENT THAT I SPOKE WITH TODAY SHE SAID ITS HER DUTY AND JOB TO MISLEAD CUSTOMERS AND TAKE EXTRA MONEY FROM CUSTOMERS SINCE THE DON'T LIKE WAITING 17 DAY UNTIL THE ACH IS TAKEN FROM A CUSTOMERS ACCOUNT. I KNOW NORMAL BANK ACH STANDARD ARE 3 DAYS. ON WESTLAKE FINANCIAL SERVICES WEBSITE STATE ( 24 HOUR ) ACH PAYMENT PROCESS THATS A BIG LIE. FOR 95 DAYS I BEEN HAVING THESE ISSUES AND CUSTOMERS SERVICES AGENT TELL ME THEY DONT CARE NOR DO THEY LIKE TO DO THERE JOB ETHICAL CORRECT.. THE AGENT I SPEAK WITH SAID WE CAN TELL CUSTOMERS AND THE XXXX AND THE CFPB CAN'T DO NOTHING TO US AT ALL. I HAVE SPKEN WITH 15 DIFFERENT AGENT AND THEY SAY THEY ARE ABOVE THE LAW..
Consumer complaint received 2023-07-20
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Account name : XXXX XXXX XXXX account type : credit card, Account name : XXXX XXXX, Account type : cell phone Account name : XXXX XXXX XXXX, Account type : credit card, Account name : XXXX XXXX XXXX account type : collection, original creditor : XXXX  account name : XXXX XXXX XXXX XXXX, account type : collection, original creditor : XXXX Account name : XXXX XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account name : XXXXXXXX XXXX XXXX  account type : credit card, Account name : XXXX XXXX, Account type : cell phone Account name : XXXX XXXX XXXX, Account type : credit card, Account name : XXXX XXXX XXXX account type : collection, original creditor : XXXX  account name : XXXX XXXX XXXX XXXX, account type : collection, original creditor : XXXX Account name : XXXX XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NY)

I was abused and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA. This have caused my family and I financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( e ). These are the violations that were committed against me as a consumer.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OH)

Ability recovery service collection agency popped up on my credit saying I owe {$420.00} for something that is not mine. I have disputed multiple times and have gotten denied each time. When I contact them they are rude and refuse to dispute it. There has also been phone numbers and addresses not associated with me on my credit report.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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
Consumer complaint received 2022-03-25
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (AL)

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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Someone ordered a XXXX in my name and now convergent outsourcing is asking me to pay them about {$1500.00} for a XXXX  that isnt mines and I just want to get this matter settled I tried to dispute it several times but they wont close it theyre stuck on stickiness dead to me and its getting in the way of me doing things I need to do with my life and my credit
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was abuse and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA this has cause me and my family financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( f ) these are the violations that were committed against me as consumer.
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS USA, INC. (AZ)

I had given a 60 day notice to vacate my apartment in XX/XX/2013 from XXXX XXXX XXXX in XXXX, AZ. Since we had purchased our first home and closed escrow on XX/XX/2013. On the written 60 day notice we had given the property manager for XXXX XXXX XXXX the dates were blacked out. Then advised they did not receive sufficient time to vacate the property and were going to be charged an amount of over {$5000.00} to move out plus rent for XXXX. We decided to take this to court. On XX/XX/2013 we appeared in court with the property manager. The XXXX ordered XX/XX/13 XXXX for the agreed eviction/surrender move out expenses of the apartment for the amount of {$2000.00}. We moved out of the apartment and paid the amount in full. Received an additional moved out statement for XXXX. Charging and additional termination fee of {$1900.00} and concession repayment of {$1400.00} on top of the agreed amount. Contacted the property manager for XXXX XXXX XXXX, they advised charges were correct. Contacted their attorney, refused to discuss the judgment unless we were in court. The charges could not be explained or justified, even though we complied with the 60 day vacate notice, which was also blacked out. We also never received a vacate pay or quit notice. We had paid our debt in full and do not owe any debt to XXXX XXXX XXXX or Collection USA company. An amount of {$2900.00} was sold to Collection USA company and still trying to collect this not agreed amount.
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been contacting this company since I pulled my credit report and notice this company was reporting a debt that I was not aware of. When I noticed it on my report I immediately reached out to the company to see what this account was and if it belongs to me. The only thing I received was a bill for {$460.00} telling me to pay. I'm not paying this bill unless this company can provide me the contract they have to show this is my debt and it belongs to me. I've never received a bill from this company until now when I noticed it on my report.