davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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: 1st Franklin Financial Corporation (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for an purpose.
Consumer complaint received 2022-05-06
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: SECURITY FINANCE CORP (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for an purpose.
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc. (FL)

account was paid off by XXXX XXXX .When the home was sold..XXXX XXXX XXXX XXXX XXXX Florida paid ..Started receiving collection notices right away.So i contacted title company they me proof of the cancelled check.I sent Aqua Finance a copy of the cancelled check ... They refused to accept the cancelled check as proof and kept referring to an account which was in collection from XXXX.It is true that I did not pay the account from 2016 because the water system and security systems that was sold to me failed to work properly..When I tried to contact the company who installed the items, Their contact information was no longer valid ... .SO BEING THAT I COULD NOT CONTACT THE COMPANY TO REPAIR THE ITEMS THAT WERE INSTALLED ... AND I HAD NO WAY to contact them.I stop making payments on the faulty items ... .I told the company come and repair the broken items .I would gladly pay .....
Consumer complaint received 2022-10-26
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. (NJ)

Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and Equifax. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that XXXX XXXXXXXX XXXX use against Consumers like myself. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby XXXX XXXX XXXXXXXX XXXX the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution XXXX XXXX BANK, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions XXXX XXXX BANK decide to ignore my request.
Consumer complaint received 2022-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

I paid an escrow balance off to keep my monthly payment the same, which they told me it would and as I've done for years. The escrow papres gave me a choice of two different new payments, but I called them and got the greenlight to pay escrow ( {$250.00}. and change ) but they went ahead and raised my monthly payments ANYWAY, thinking I wouldn't try and resolve it. Well, XXXX. I'm not having it, tell me one thing and do another. They keep this XXXX  up and somebody is going to get hurt, I do play that XXXX!!!!!
Consumer complaint received 2019-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/XXXX we were asked to come to XXXX XXXX of XXXX XXXX to put the final touches on a deal to buy a XXXX XXXX XXXX, and our XXXX XXXX XXXX would be taken as trade upon arrival we were told that the financial manager was " just talking to the bank '' after all was said and done the finance manager came to speak to us, presented us with an outrageous payment we were unable to afford and that he did not know anything about taking the XXXX XXXX as a trade but it was not worth what we owed anyhow. 
we decided NOT to take the deal as we had been misinformed. 
the next day i checked my credit report to find 6 HARD inquiries on my credit report that I DID NOT AUTHORIZE .... as i thought the deal had gone through before we got there XXXX XXXX of XXXX XXXX on XX/XX/XXXX put 6 hard inquiries on my credit report that again I DID NOT Authorize and my credit score went down XXXX points in one day. 
thank you,
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

my late partner opened up a discover card under my name and social security number ran up a XXXX debt, which i had no idea, and now i am being sued for that debt. i should not have to pay this. as it was my partner who died in 2017.
Consumer complaint received 2022-05-06
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. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish account without my written instructions. 

XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (NY)

I contacted the company on XX/XX/2018 via certified mail and requested my signature as proof of contractual obligation to pay debt. Company sent me back on online printout/statement. 
On XX/XX/2018 I again sent them a request via certified mail stating : I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The company again told me the debt was verified with no proof of signature or any response as to who verified the debt. Nothing as of yet from company and they are still reporting the debt negatively on all credit reports. stating I owe {$14000.00}
Consumer complaint received 2021-11-06
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: CITIBANK, N.A. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-05-06
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. (FL)

Ive already sent a dispute to both XXXX and Experian on XXXX. Neither has done a proper investigation into my claim. Both have returned verified with out contacting the debt collection agency. It is my right to have 100 % accurate information on my report and both have failed to investigate my claims. Ive already filed a complaint and nothing has been resolved. I requested verification form XXXX XXXX and was provided an expired XXXX  month lease as validation. As I know the burden of proof is on the debt collector for them to investigate line item by line item to make sure that all information is valid. they have not.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  XXXX is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and Trans Union reports they are reporting 30 day late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To XXXX they are only reporting 30 days late on XX/XX/XXXX. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so
Consumer complaint received 2019-03-21
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. (TN)

XXXX XXXXXXXX is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and XXXX XXXX reports they are reporting 30 day late payments on XX/XX/16, XX/XX/16 and XX/XX/16. To Experian they are only reporting 30 days late on XX/XX/16. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so
Consumer complaint received 2023-01-11
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. (GA)

This is my 5th 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} Medical XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-05-06
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. (TX)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXXwas the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX  XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.
Consumer complaint received 2020-11-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (VA)

Hello - Hope you are well. I am writing in a complaint about a company that goes by XXXX, or First Financial Asset Management located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The company is a debt collector. This complaint is about abrasive ( borderline abusive ) nature of XXXX of the supervisors, by the name of XXXX XXXX ( if I captured it correctly ). The case in question is # XXXX. 

This is a somewhat unique situation, in that the end consumer ( myself ) disagreed that the debt was valid and after over 65 minutes on the phone including a conference call with the original debtor, the debt was considered satisfied in the first place. 

The individual from the debt collection agency, XXXX, was extremely unkind, difficult to deal with, and offered a few statements that could be construed as threats. I kept a level tone through the discussions, despite the fact that he raised his voice. A few of the highlights from our discussion : " You don't get anything for free ; '' Offering unsolicited advice " Whenever people use points, they always come my way. Always pay for things the right way. '' He also stated numerous facts that were either incorrect ( and possibly illegal ). The first one ( which is incorrect ) is that he stated when you chargeback something from a Credit Card, the company does not get a chance to rebut the claim, implying that I had filed fraudulent chargebacks. He also incorrectly stated that the agent had said the debt was valid, and that he heard it on the call. This is false, as the agent had ruled that the debt was not valid. Last but not least, when it appeared we had not come to agreement, I had stated to him that I received his letter on XX/XX/2020, and that I intended to reply in writing that I disputed the debt and wanted to see an itemized description of the debt in question. XXXX informed me that it did not matter, because he was marking in the file that I am refusing to pay, implying that I would be left to deal with the credit impacts. He then offered to take payment, and if the charge was reversed by the client, he would refund the money. This is abusive, misleading, and completely inappropriate. I can only imagine that this takes advantage of more unfortunate victims of this organization.
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ResidentCollect, Inc. (TX)

I called XXXX at XXXX Apartments for the amount of {$2200.00} in debt on my credit. I asked for information on this debt, proof of notice being sent out to me for this debt against the fair housing act and I was told that this was sold over to a 3rd party. After many attempts to speak with someone, disputes this claim through XXXX XXXX I never received a call back from the property. I then received calls from a 3rd party vendor harrasing me to pay the full amount with credit card and it will then fall off my credit in a week. I called the apartment complex to inform them of the call I received and to verify who the account was sold over to and I was told thats not information they can provide. Please remove this off of my credit as my attempts to gather information, settle this disputes has went unrecognized and sold to different agencies.
Consumer complaint received 2022-05-06
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. (PA)

XXXX has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX years old without telling me how nor showing proof...
Consumer complaint received 2020-11-10
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. (AZ)

I went to XXXX XXXX XXXXXXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this 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 )
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

In XXXX of 2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and Nissan Motor Acceptance Corp informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to Nissan to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or NMAC, NMAC repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged NMAC for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). Nissan reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid NMAC greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, NMAC is unwilling to remove the report as a repossession in XXXX. 

I have called NMAC, wrote the credit agency with NMAC, and disputed with the bureaus. Nissan continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.
Consumer complaint received 2020-11-10
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. (AZ)

I went to XXXX XXXX XXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this 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 )