davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 2019-02-15
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. (MO)

There are inquiries posted on my report that are unknown to me and it is concerning : XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. 
XXXX, XXXX ( TWICE ). XXXX, XXXX. XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-09-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (LA)

On XX/XX/XXXX, I disputed XXXX XXXX XXXX in the amout of {$11000.00} and XXXX EXETER FINANCE is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Open balance XXXX EXETER FINANCE Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX EXETER FINANCE
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

On XX/XX/2018 my dwelling sustained damage that is currently questionable whether the dwelling is a total loss. My Fire department, my insurance company, my mortgage company are all issues due to the lack of information and an insurance company/adjuster who, in my opinion, has taken many actions that lack reason or truth. The biggest concern is violations in accessing my mortgage account, transactions done without my knowledge or consent, that have left the mortgage unpaid and serviced and the insurance adjuster unwilling to track the payments made that were never received by the mortgage company despite the check wire transfer deposited into a law firm trust account without the endorsement of the mortgage company , the public adjuster or myself. The original check paid toward the loss exceeded the amount owed. The original check was never made known to me by the adjuster of the insurance company and I was denied access to the funds or ability to pay the loss and has placed a burden upon myself that due to the belligerence of the insurance companies has resulted default on credit cards, multiple late charges and forcing me to pay a mortgage that should have been paid and attacks and illegal activity to myself and ability to handle my health issues, safety, security, credit, credit accounts, ability to pay bills. Furthermore, it has led to 3 wrongful attempts of " recovery '' to my property, 9 transactions to my mortgage account without my knowledge or consent that took considerable funds after paid, despite my asking for fraud alert, and lockdown of that account. It has also denied my ability to sell the property and I feel threatened and my rights denied and mortgage company has failed to recover my funds that were taken after a payoff request made.
Consumer complaint received 2023-08-20
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)

Greetings, In accordance with Fair Credit Reporting Act my rights has been violated. 

Notice, XXXX, Equifax, XXXX, XXXX XXXX, XXXX or any other XXXX XXXX XXXX XXXX have not received any written instructions as set forth in the Fair Credit Reporting Act and is in violation of Pub. L. 90-321 [ 15 USC 1681B subsection 2 ], Pub. L. 90-321 [ 15 USC 1681A subsection 4 ] and Pub. L. 90-321 [ 1681e ( a ) ( b ) ], Per the IRS Publication charge offs are considered DEBT and should not be reported on credit reports. 


EQUIFAX is Reporting fraud with inaccurate Personal Information. The only accurate mailing location is : XXXX XXXX XXXX XXXX, XXXX XXXX. REMOVE anything else. 

Remove all hard inquires : XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX. 

I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Pub L. 94-550, 1 ( a ) By : XXXX XXXX
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX of 2013, I was required to have two emergency medical procedures. The medical office offered me " XXXX XXXX XXXX '' which maintained no interest rate and five years to pay off the balance. At no point of time, the name of credit card was mentioned, disclosure paperwork was provided or any kind of application was provided. The total charged to the " XXXX XXXX XXXX '' was approximately {$13000.00}. I subsequently paid a total of {$32000.00} to the credit card only to call and find out that the credit card fraudulently charge my account an exuberant interest rate and still claimed to have a balance of approximately {$19000.00}. 

I allege the following : a ) The debt was acquired under false pretense and through fraudulent methods b ) No proper disclosures and information was provided at the time the debt was acquired c ) Subsequently, an unreasonable and exuberant interest rate was charged d ) The debt of {$13000.00} was paid off by electronic transfers in the amount of {$32000.00}
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2019-09-23
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX and XXXX in XXXX XXXX does not show I recently made settlement payment {$290.00} on XX/XX/19. On my XXXX XXXX account with MCM. The MCM   acct # XXXX making payment remarks of charged off/ bad debt were made. There is no payment status date last reported XXXX. 
Contact info on this is XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX. / XXXX Im trying very hard to fix my credit please remove if at all possible. Please update to current
Consumer complaint received 2019-01-15
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)

I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

when asking experian to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (TX)

After paying off my {$15000.00} loan in XXXX, I have continued to receive regular emails and phone calls from Lending Club. 


There is a {$27.00} late fee that the phone callers are ostensibly trying to collect on, but more at issue are the deceptive emails " reminding '' me to make my regular monthly payment of {$520.00}, and that my balance is " past due ''. Here is an excerpt from their most recent email, but they've all been of a similar form : -- - Dear XXXX, Your account is now past due in the amount of {$520.00}, and we have been unable to reach you. To help you avoid additional fees and damage to your credit history, please call our office toll-free at XXXX XXXX XXXX XXXX today! 
-- - I've received emails in this manner on - XX/XX/XXXX & XXXX - XX/XX/XXXX, & XXXX - XX/XX/XXXX, XXXX, XXXX - XX/XX/XXXX, XXXX, XXXX To further compound the problem, over the past several months whenever I've tried logging into my online account to see what the fuss is about, I'm met with the following message : " Due to maintenance, your loan information can not be displayed at this time.Please try again later. '' I spoke with a Lending Club agent earlier this afternoon about the issue and while she advised I pay the late fee and ostensibly be done with the problem, I believe their practice of sending emails with misleading statements regarding incorrect account balances is at the very least a dubious business practice and indicative of potential underlying issues with the software that manages their loans, and depending on whether other borrowers have acted on those incorrect statements and remitted payments beyond what was due on their accounts the aforementioned actions of Lending Club may amount to fraud.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

The following is the only name. address, date of birth, and employer that should be put on my report : NaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (TX)

Reached out to collection company and would not provide any information of hospital. Also requested itemized letter and never receive even after agent stated would expedited but never received it. In accordance with the Fair Credit Reporting act. 
The account below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX under 15 USC 1681, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

Department of Education/XXXX  opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.
Consumer complaint received 2021-03-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE THREE BUREAUS CONTINUE TO REPORT A COLLECTION ACCOUNT FROM XXXX XXXX WITHOUT A PROPER INVESTIGATION INTO THE ACCURACY OF THE INFORMATION. Merely adding a statement that the account is being disputed is not enough. When the creditor refuses to address the dispute and claims that there is a collection agency, that creates a scenario where the consumer can not have any recourse. 
The creditor will not address the derogatory reporting, the collection agency can not and the credit bureau can report as long as the creditor says the information is correct. What is a consumer supposed to do? I have attached the account that is inaccurately being reported. 

Bureaus have not compiled with the requirement that if the creditor does not provide proof in 30 days, the information should be deleted. Please see what was provided by XXXX in response to my requests for proof. I have attached the details of one of the investigations by one of the bureaus. I could not access results of disputes from other bureaus. See dates reported to bureaus and dates of unitemized bills.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNCOAST CREDIT UNION (FL)

I am filing a complaint against Suncoast Credit Union for an account that was closed in XXXX and a debt that was charged off in XXXX. 
I was told that this account was closed and charged off. I didnt know until XXXX that Suncoast has continued to charge fees on the closed/ charged off account since XXXX. 
In XXXX I hired a company and paid them monthly to help clear up all of my debt. The company I hired came across this debt and the continuing charges. They sent numerous disputes and tried to find out how and why this account was inactive and written off but still being charged monthly fees. They ask for the charges to stop and account to be removed from my credit.There wasnt any notifications of the fees and the fee charges fluctuated different amounts from month yo month. There was only a response of disagreement but charges continue to grow. The company suggested I file a complaint since I had no knowledge of this and I believed that once closed and charged off that would be final.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Department of Education/XXXX  opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (SC)

CREDITOR INFO RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/2019 BALANCE {$120.00} ORIGINAL CREDITOR XXXX XXXX This debt isnt mine. Ive never had a XXXX account and Im right here in the middle of purchasing/looking for me and my XXXX children our first home.
Consumer complaint received 2019-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, XXXX and XXXX  from Universal Acceptance Corporation Debt Collection Representatives for a fraudulent Car Hop auto loan account thats not my account, is a fraudulent account and the result of identity theft. Its very appalling, disturbing and frightening to be receiving phone calls of XXXX and XXXX threats from Universal Acceptance Corporation Debt Collection Representatives. I am in fear of my life. Universal Acceptance Corporation is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under  Federal and State laws.
Consumer complaint received 2023-01-27
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XX/XX/2022.
Consumer complaint received 2019-09-22
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. (CA)

On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.
Consumer complaint received 2019-09-22
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. (MN)

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent jail and prison, violence and death from XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX for a debt and fraudulent account thats not my account. Its extremely appalling, disturbing and frightening to be receiving phone calls of violence and death threats. I am in fear of my life. The accounts with XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX  XXXX are fraudulent accounts and dont belong to me. XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX  XXXX is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2019-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (AZ)

I contacted the Citi card company when I couldnt log into my account and realized I had lost my card. My initial request XX/XX/XXXX was sent to a different address than requested which caused further delays. I contacted again on XX/XX/XXXX and was assured the card would be sent expedited shipping. I have not received the card as of XX/XX/XXXX and now have a late fee because I could not log in to pay. I have also found out that the representative never sent it via expedited shipping. I was never once offered the option to pay via the phone on any previous attempt until when I called today XX/XX/XXXX and they tell me I have a late fee to which I am requesting to be waived. I want no one to experience this incompetent company.
Consumer complaint received 2019-09-22
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. (NY)

I retrieved my credit report and saw that Experian is incorrectly reporting a fraudulent report on my credit profile from XXXX XXXX. That account does not belong to me and is incorrectly being reported on my file and is hurting my credit as a result. I have contacted the credit Bureau " Experian '' and indicated the account is not mine and should not be on my credit profile. After retrieving my credit report recently I noticed that are still reporting this account on my credit report.