davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. 
DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ 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 2021-05-16
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: Receivables Management Partners, LLC (NC)

I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$50.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-05-23
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. (MO)

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 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 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

Our check payment was purposely held up by Sun West Mortgage Company to be able to prematurely report us as 30 day delinquent and prevent us from refinancing with another mortgage company. Our mortgage is due every XX/XX/XXXX of the month. This XX/XX/XXXX we mailed our check on the XX/XX/XXXX to Sun West 's XXXX Ca Office. Mail should not take more than 5 days for our payment to get to them as we also live in California. On XX/XX/XXXX, a 30 day mortgage delinquency report was filed to the three credit bureaus which led to the credit score of my husband to drop by more than 100 points. Please note that XX/XX/XXXX is only the 29th day from our due date. We were trying to refinance with another company since Sun West sat on our refinance with cash out application which we started XX/XX/XXXX. Sun West knew that we were trying to move, thus the malicious report. Initially, SunWest 's customer service confirmed to us via phone that they received our XX/XX/XXXX check payment on XX/XX/XXXX which means that we made it on the 30th day and we should not have been reported. The malicious report they did halted any chance for us to refinance either with them or any company for the next 12 months. . Based on FCRA Compliance, delinquencies are calculated based on the due date. The credit reporting options for reporting late payments does not include one for being 1-29 days late. This doesnt exist and any lender that attempts to report someone as being late before they are full 30 days past the due date is providing knowingly an incorrect information to a credit reporting agency. We begged them over the phone several times XX/XX/XXXX, emailed for reconsideration and wrote a formal letter requesting clemency on the delinquency report ( upon their advice ) only to find out that we have already been reported. All our pleadings were unheeded despite the fact that we are existing clients for almost three years now and have never been late in our payments.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I was charged {$510.00} for something called XXXX XXXX. This is not a service I am familiar with, nor my wife. As this was a foreign charge I immediately refuted the charge with Citibank ( my credit card provider ) was was issued a new card. On XX/XX/XXXX I received a letter from Citi Bank, who reports that they ran their own " investigation '' and found that the charge was legitimate and I was responsible for the {$510.00}. The paperwork included with the letter included the address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX. CitiBank concludes that I am responsible bases on XXXX verifying my credit card number, zip code and XXXX digit security code. Doing a quick internet search on XXXX XXXX and XXXX I see hundreds of complaints about this scam. I expect to be remedied.
Consumer complaint received 2017-06-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Loancare purchased my VA Loan and became the new servicer. <P/>They did not transfer the insurance information properly, and placed a fore buy of insurance on my property. My original policy was through XXXX for {$830.00} a year. They bought a policy from the same company for {$1500.00} a year. Loancare recently settled a class action lawsuit ( XX/XX/XXXX ) about receiving kickbacks from XXXX for forced insurance buys. <P/>Over the next few months, I received mortgage payment amounts anywhere from {$2000.00} a month to {$1600.00} a month. <P/>Loancare was completely unresponsive and " lost '' my insurance paperwork so many times, I was finally forced to get my Agent and XXXX all together in a conference call to get the situation resolved. <P/>They are still showing a {$500.00} shortage in my Escrow account that remains unexplained. I was assured by their management on XX/XX/XXXX that the situation would be looked into, but as of this evening, no one has done anything. <P/>They have now gone after my credit rating. Due to their own incompetence, they refused to process the payment I has sent in XX/XX/XXXX because it was n't the " full amount '' demanded by them. An amount that changed 3 times in just the month of XXXX. <P/>They have damaged my credit standing, refuse to make good on my accounts, and as of tonight refuse to correct their mistake. I have spent 40-60 hours on the phone with them over three months, and they hang up on you in the middle of phone calls, transfer you to 15 different departments, and lie. I know that 's a strong charge, but I was told that they were looking into my Escrow situation, and 2 weeks later, the manager I spoke to had no record that they have done anything.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (SC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account XXXX : XXXX
Consumer complaint received 2022-04-11
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. (TN)

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX and XXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In my capacity as President of XXXX XXXX XXXX, a New York XXXX entity in good standing, I took out a {$40000.00} business loan from XXXX ( XXXX ). I was removed a few months later from my position at XXXX XXXX. 

XXXX began contacting me via email and phone calls to both myself and family members telling me the loan was not being paid back. I provided XXXX with the best contact info for the person at XXXX XXXX XXXX who could assist them in resolving the issue. 

XXXX claims I signed a personal guarantee and that I am responsible for the business loan. This is false. I would never sign a personal guarantee for a business loan because I would never want to be placed in this exact situation. I asked them to provide me with a copy of the personal guarantee. They failed to provide me a copy because no such copy exists because I never signed a personal guarantee. 

XXXX is now reporting to the credit bureaus that I personally owe {$40000.00}. I have tried contacting the credit bureaus but they intentionally make it impossible to speak or email or contact them electronically. I tried calling the numbers they provide but I receive an automatic recording to file a dispute online. I try creating an account online to file the dispute but I get a message saying I must call them. It's a similar game many other companies play in order to avoid providing customer service. 

Please advise how I can remove this fraudulent debt from my personal credit score.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (TX)

The following closed accounts placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative accounts on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2021-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My name is XXXX XXXX and I have a credit accounts with Bank of America. Since XXXX I have been trying to solve a fraud that was committed with my credit card number : XXXX XXXX XXXX XXXX and I am still not satisfied with the responses I have received from the bank. 

The first time someone used that credit card was on XX/XX/2018, at XXXX # XXXX, XXXX, IL that day they paid a total of XXXX, then in that same place they paid XXXX at that same XXXX, on same day at the XXXX XXXX # XXXX store ( XXXX, IL ) they first spent XXXX and then they spent {$33.00}, then at XXXX XXXX XXXX they spent XXXX, then they used a XXXX XXXX XXXX for XXXX and finally at the XXXX XXXX store they spent {$28.00} for a total of {$2900.00}. To inform you of all the expenses of the fraud, I am attaching a document from the bank. 

I have my own car, so I don't use taxis, I don't frequent Down town, since I live and work in XXXX, so my life takes place in the West of the city of XXXX, so I don't understand how these expenses were generated in my credit card. 

I presented my concern to the bank immediately when I discovered this situation, so I made a call on XX/XX/2018 and the bank decided to remove those expenses from my credit card, but the following month to my surprise they put these expenses back on me account, without prior notice, so I am not satisfied with this attitude of the bank towards me, I feel that this was mistreatment, I am XXXX and it has been very hard for me to communicate with the bank in this management. So when I saw that the expenses had been placed again I went to the bank and then they asked me to make a police report, which I made and delivered, they spent a long time without answering me and then I received a letter from the bank without a date like in the month of XXXX is as more or less I remember and in that letter they told me that I have to pay the sum of XXXX without even an explanation about the investigations that the bank did to make this decision. 

It has been a long time but ago but I have heard from this Consumer Financial Protection Bureau and I have decided to open a complaint against the Bank of America and have this case investigated accordingly.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022 I XXXX XXXX received a response from all three credit bureaus XXXX, XXXX and Experian saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4
Consumer complaint received 2022-10-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

The Violence Against Women Act, a federal law provides you certain protections. Pursuant to Virginia code Va. Code 55-225.16 ( A ), ( B ) and Maryland code MD XXXX CODE ANN., REAL PROP. 8-5A-02 through 8-5A-04, an early termination of lease for victims of XXXX XXXXXXXX must be allowed without liability.
Consumer complaint received 2022-01-26
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. (TX)

The following closed accounts placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative accounts on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (NC)

My husband and I filed for bankruptcy in XX/XX/XXXXafter the XX/XX/XXXX crisis so that we could avoid foreclosure on our house. Shortly before we purchased a vehicle from XXXX through XXXX ( which was bought by Santander I believe ). We did not include the car in the bankruptcy because we were not behind and wanted it to count toward our positive credit. However, sometime in XX/XX/XXXXSantander decided it would move our loan to their " bankruptcy department '' once they found out we had filed. Shortly after, I was locked our of my online account, and I did not receive any bills through the mail as I did before. I also did not receive any emails about my monthly statement. I had to call and make payments, which seemed very suspicious to me and was not something I consented to when I purchased the car using their services. I slowly phased out making payments, and my last payment was XX/XX/XXXX in the amount of {$500.00}. After that, I was frustrated with the lack of help in understand the restrictions on my account, and the amount due, that I stopped paying. It was at this time that the car was ruined by a mechanic who replaced the timing chain and subsequently an error in their work wrecked my engine. They failed to admit responsibility, so I poured money and time into filing complaints and looking for a lawyer, and didn't think twice about Santander. 

This past XX/XX/XXXX, Santander called my husband and said they were repossessing the vehicle. I had never received a notice from them about the amount owed or my account. The operator claimed that they could not find the car ; this was a lie as we have lived in the same location for nearly 7 years. Also, the car had been inoperable for the past 2 years. They came at night and got the car, damaging our driveway as the car 's engine had locked up and therefore the tow guy had to drag it. 

Today is XX/XX/XXXX. I am on hold with them. I asked the operator to verify the last bill I was sent. I've been on hold 15 minutes waiting for an answer. She will be sending me a list of all my payments. I have a letter (XX/XX/XXXX) stating that I broke a promise and will owe them whatever is left after they auction the car ( which they did so onXX/XX/XXXX ). 

I am an intelligent person ; this seems ridiculous. I do not plan on paying a dime without a fight. Please help me do so. 

PS - I will also be filing with the XX/XX/XXXX in NC.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-01-26
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. (AL)

Ive been trying since XX/XX/2018 to have information verified for bankruptcies listed on my credit report. The bankruptcies arent showing the accurate information and is missing information as well. Ive been place into the Speciality Dept and have been speaking with XXXX XXXX previously. Today I spoke with a rep named XXXX in which she called the XXXX bankruptcy line by my request and it listed the information. She stated if it was incorrect she wouldnt delete it she would update it to reflect the correct and missing information. After the call she stated the information was accurate even after listening and she also refused to further investigate to get the missing information. I even suggested she contact the attorney for the correct information and he words were Im not going to argue with you. These accounts arent being fully investigated. According to the CFPB guidelines no inaccurate information should remain.