davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: CREDIT ACCEPTANCE CORPORATION (NC)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : CREDIT ACCEPTANCE CORP ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

w/Gratitude
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

In the letter from SPS of CFPB complain # XXXX SPS # XXXX. In your inquiry, you requested an escrow refund. Our review found that SPS has not yet received the tax refund from the taxing authority for the incorrect parcel that was being tracked. 
Customer # XXXX. We dont understand about tax refund from the taxing authority. We contacted XXXX XXXX tax department. They said they got only one tax payment in XX/XX/XXXX. And your company also provide only one receipt for this ( tax period : XX/XX/XXXX, to XX/XX/XXXX ). Therefore, we can not understand why your company keeps saying not yet received the tax refund from the taxing authority. To prove your comment, provide two different receipts for tax payment for XXXX. And, this issue was coming from your company fault, not our fault. I have always paid in time with your company statements without any delay. 

SPS # XXXX On XX/XX/XXXX, SPS followed up with the tax agency for the status of the refund. Once the refund in the amount of {$7800.00} is received, funds will be applied to escrow, and you may then request to have any overages refunded to you. 
Customer # XXXX. Since We have requested the refund of two times escrow charges, we have investigated the documents precisely and contacted your company and XXXX XXXX department so many times, even we can not count it. Despite our countless efforts to fix this problem, we still didnt get the exact date and information when it will be fixed or when we can get the refund. Please, provide the date when your company fix this problem. We have a severe pain with this monthly payment now.
Consumer complaint received 2019-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTRON, INC. (NC)

In XX/XX/2016 I saw a Dr. at XXXX XXXX XXXX in XXXX, Ga. for a routine visit. Upon his questioning about my sleeping he suggested I take a " sleep test '' I was sent home with a mask and some vague instructions how to use it. I was to sleep with this on for 2 nights and return it for a diagnosis. After attempting to use it for a few hours the first night and not getting any sleep at all I notified the Dr. the next day. I was informed not to " worry about it '' and just return it, which I did that week. Soon after, I received a bill for over {$600.00} for " services '' I complained to management at the medical group several times to no avail, they continued to charge me and I continue not to pay for services I did not receive.
Consumer complaint received 2023-03-21
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. (GA)

Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking # XXXX. 

According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquantained or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still NOT reporting accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ; XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX ; # XXXX XXXX XXXX XXXX ; Acct # XXXX XXXX XXXX XXXX XXXX ; Acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX ; Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX Total card XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland credit has placed and account on all 3 credit bureaus. Ive sent correspondence to this company 3x via certified mail and I havent received a response. This debt is invalid and was paid within 10 Days of me canceling this old account.
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (IN)

My name is XXXX XXXX and i have reached out to Equifax on several occasions, They have failed to remove multiple fraud related accounts that are reporting inaccurately and invalid on my consumer report.. These accounts and the companies thAT HAVE USED MY IDENTITY WITHOUT MY CONSENT ARE NOW IN LITIGATION. I AM REQUESTING THAT EQUIFAX REMOVE THESE ITEMS IMMEDIATELY..FAILURE TO DO SO WILL RESULT IN ADDING THEM TO THE LAWSUIT AS THEY HAVE VIOLATED THE FCRA IN MULTIPLE REPORTING VIOLATIONS.
Consumer complaint received 2020-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ORG GC GP BUYER, LLC (TX)

I set up payment arrangements with this collection agency called GC Services Limited Partnership who is representing XXXX. The agreement was to pay XXXX a month starting XX/XX/XXXX, I made a XXXX payment on XX/XX/XXXX, which was my 2nd payment. On XX/XX/XXXX I called to make a XXXX payment, and this is when I was told by an agent with GC Services that they need 25 % the day that I called XXXX XXXX ) and the balance by the XXXX XXXX And if I didn't make these payments they would use any cards or checking account that I ever used to collect this money. I have a print out that GC Services sent me with the payment arrangements I also received a letter from XXXX dated XX/XX/XXXX stating the same thing as GC Services. I didn't think too much about the letter because I had made the arrangements. with GC Services.
Consumer complaint received 2020-02-17
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. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (PA)

I opened a credit card with my bank in XXXX. The card was apparently provides by a company called elan financial. I paid off and closed the account in XXXX. In XXXX I tried to prequalifybfor a mortgage and was informed that the account was showing on my credit report as open, delinquent, and over limit. I tried on several occasions to contact elan financial, and left numerous messages, but my calls were never returned. On the rare occasion that I actually spoke to a human I was told that my account was in collections, and they were not authorized to discuss it with me, at which point they would transfer me to some other department who never answered their phone, nor returned my calls. I disputed this with all of the credit reporting agencies, who simply replied that it was " verified ''. So I filed a complaint with the CFPB. The credit card company finally responded to that complaint, claiming they reviewed their records, and had no record of phone calls or messages from me. They also alleged that they tried to call me on XX/XX/XXXX & XXXX, and left me messages. I received no phone calls from them at all, on those days or any other, and have received no messages. I am happy to provide my call logs to show this. It is possible that they have incorrect contact information for me, though my phone number has been the same for over a decade, and since well before this card was closed. I think it more likely that they are flat out lying to avoid admitting that they are trying to take me across. ( My phone number was included in my complaint to the CFPB, so they should have had it. ) When I received their response, I AGAIN called and left a message, again receiving no response whatsoever. They did provide some limited documentation in their response, among which was documents showing that the outstanding principle was {$490.00} as the last payment that they have record of. They further state that in XXXX of XXXX the charged off the debt with a balance of {$630.00}, and sent a 1099-c in accordance with IRS regulations requiring said form to be sent with any cancellation of a principle amount greater than {$600.00}. However, by their own records, the principle amount was less than {$600.00}, {$490.00} to be exact. I would sincerely like to be contacted to resolve this in a mutually beneficial manner. It is also of note that my credit report still shows a charged off amount of {$930.00} dollars, which no one has yet to offer any explanation for, despite numerous disputes with each of the reporting agencies.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to delete these unverified 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
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to delete these unverified 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 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 XX/XX/XXXX
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 — Account status incorrect
Company: Diversified Consultants, Inc. (OH)

The collections agency was paid in full XX/XX/2019 which posted on XX/XX/2019. Then reported the account the next day XX/XX/2019 as delinquent.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-12-15
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. (NJ)

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-25
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. (SC)

I made a call to Equifax as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX claim this debt is valid but fail to respond to me directly with proof of validation which I requested 4 times, fail to comply to FCRA law of proof of originals copies to proof valid of debt, I will post my request and their response. there response doesn't have copies of the original contract XXXX XXXX XXXX XXXX reporting this account to my collection, so they have to validate this account or remove it. 

that's not the only violations on the collection account, Equifax reporting this account type is collection. 
XXXX  reporting this account is open.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian continues to verify XXXX XXXX XXXX account information that they know does not meet the criteria of the FCRA. 

Several disputes have been submitted for this account to be deleted, with each resulting in the account being verified or inaccurate information being updated. Documents validating incorrect and false information have been provided, and this account remains in my credit file. 

The balance, payment history, payments, type of account, and all information reported to Experian are inaccurate and false. 

Experian has violated the agreement it made with the XXXX back in XX/XX/2017. 

The creditor has been flagged on the XXXX XXXX website and due to technical issues never had a complaint filed through CFPB. They have continued to verify this information knowing that Experian will not delete it.
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (MD)

False advertising Received a pre approval for a loan through XXXX, which is there partner and filled out a loan application and was denied for a loan. False and misleading advertising. 
Then after receiving an adverse action letter I promptly responded with Dear Fiduciary ( the role I have appointed you ), I am writing this letter in response to the adverse action notice that I received from your company regarding my loan application. I would like to inform you that I strongly dispute the allegations made in your letter and the reasons for the denial of my loan application. 

As the creditor in this case, I would like to bring to your attention the violations of specific USC and UCC laws that were committed in the process of denying my loan application. According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate information that is being used by your company as a basis for denying my loan application. I also believe that there was a violation of the Uniform Commercial Code ( UCC ) 3-503, which states that the bank must prove that the loan was granted in good faith. 

Furthermore, I have evidence to prove that your company used fraudulent means to deny my loan application. This constitutes a violation of UCC 4-406, which states that no bank shall make an extension of credit with actual knowledge that it will violate the law or any state or federal regulation. 

I request that you thoroughly investigate this matter and provide me with a full explanation of the reason for the denial of my loan application. I also request that you remove any inaccurate or false information from my credit report that was used as a basis for denying my loan application. 

I look forward to hearing from you soon and I hope that this matter can be resolved amicably. PURSUANT HJR -192. 

Sincerely, By : XXXX : XXXX XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED UCC 1-308 To no reply. Violating my rights further more. 
Violation of ECOO, fcoa. 
Using false and misleading representation. I'm holder in due course and beneficiary to the name I retain all rights and obligations to fulfill full faith and credit obligations.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Fiance and I have been having medical issues for the past 45 days where we have had to go see multiple doctors and specialists. Along with medical issues we had to move 30 days ago and we did not receive a bill from the collector with the  XXXX  due date.I received an email on  XXXX / XXXX / 2017  from  XXXX  stating that a 30 day late notice was reported on my credit report and lowered m y credit score  by  XXXX  points. I contacted the creditor at  XXXX  PST this morning  XXXX / XXXX /   2017  and was advised I needed to speak with the collection department. I spoke with a  XXXX  and I advised her of the situation, how I 've been repairing my credit so I can purchase my first home and asked if they would extend me a goodwill courtesy of removing the 30 day late notice. I advised that I would even pay the account in full since the payment was n't missed due to a financial hardship rather I was unaware of the due date. She advised my request would be denied. I feel despite having a reasonable case the creditor is acting unreasonable.