davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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)

The Credit Bureaus XXXX XXXX and Equifax stated my account was properly investigated but how is that possible when the open dates are inaccurate, the dates last active are inaccurate, and date last reported is not accurate. This is grounds for removal. XXXX, Equifax, XXXX, and XXXX have all violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish account without my written instructions. 3. Violation of FCRA 623 ( a ) ( 5 ) did NOT validate information with original creditor. 
These are the tracking numbers USPS XXXX XXXXXXXX Results # XXXX XXXX XXXX XXXX XXXX refused delivery Equifax XXXX Results # XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXXXXXX 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 an 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 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to Transunion XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-04-13
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. (IL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (CA)

Yes I extended my credit to the business which submitted application which is a legally binding contract and was denied. First I'm the original creditor extended my credit and can't be denied there was a finance charge which is to access my credit for me. On top of that I'm was treated very ruefully and unexceptional being denied a right that is lawfully mine. They have willing and knowingly lied and gave misleading information. This has affected my well being and livelihood I ask this be corrected as the law deems.
Consumer complaint received 2022-06-15
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. (FL)

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXXXXXX XXXX XXXX via XXXX XXXX -Inquiry date : XX/XX/2021 XXXX XXXX XXXX Inquiry date : XX/XX/2021 XXXX XXXX XXXX  -Inquiry date : XX/XX/2021
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had a Joint checking account with my wife in bank of America, we are in a divorce proces now. When we where broke our relationship, she get all the money to the account and overdraft the account in {$2300.00}, then she blocked my access to the account and then, she closed the account. After that I opened a new personal checking account in the same bank, and after a month, the bank get from my personal account {$1400.00} and that was applied to the negative balance in the other closed account. I called to the customer service explaining the issue but they said " the bank have the right to take money from your accounts to pay debts. What I can do?
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in 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 an account without my written instructions.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I have contacted Experian multiple times and repeatedly disputed an item on my credit file. Unfortunately, Experian failed to fully investigate the matter and keeps issuing results saying the " the company that reported the information has certified to Experian that the information is accurate. '' It's unclear which company certified and what evidence Experian received to ascertain the accuracy. 
I disputed the item because I have never defaulted. I never stopped paying or missed a payment. The original creditor had a valid auto payment information on file. The company stopped collecting payments at its own will and never notified me about it. For all I know, the company may have forgiven me. Then I discovered it was sent to collections without my knowledge and while they had a valid payment information on file.
Consumer complaint received 2018-10-17
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. (GA)

XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX   are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I filed a complaint with CFPB against Synchrony Bank/Ashley Furniture . Synchrony called on XX/XX/XXXX to confirm receipt of the complaint. In the company response to the CFPB on XX/XX/XXXX, the response had attachments, and it shows the item signed for " XXXX '' on XX/XX/XXXX at XXXX. In none of the documents attached nor submitted, is there anyone in my household by that name. " XXXX '' is not my first nor last name. The vendor delivered to the incorrect resident. 

I called XXXX Customer Service on XX/XX/XXXX on a recorded line and they stated that during " that time '' ( meaning XX/XX/XXXX ) still did no-contact and sometimes the driver would sign for the items. I have initiated a complaint with XXXX  for allowing someone other than me to ever sign for a package that REQUIRED a DIRECT SIGNATURE. Per the XXXX representative, the Shipper listed as XXXX XXXX on an attached document on the company response, needs to initiate a claim to get a reimbursement so that I can have my credit reported accurately. 

This could've been resolved, or initiated sooner, but I was not provided a XXXX  tracking number in XX/XX/XXXX when I requested proof of delivery both in person and over the phone with Ashley 's Furniture and their Guest Response team. Additionally, Synchrony Bank/Ashley Furniture is still attempting to hold me responsible for an item I never received after viewing for themselves that the person that signed for the item is NOT the person whose name is listed as the recipient. Me. I did not receive any items nor did I sign for any items. Synchrony Bank/Ashley Furniture is continuing to falsely report on my credit under the remarks that the account is within FCRA. It is not. An improper investigation was conducted and reported to the CFPB by Synchrony Bank/Ashley Furniture .
Consumer complaint received 2018-04-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (IL)

This advertisement does not give rates, APR or what other costs are involved. Also, I am not sure if they will help me because the size of home I want to purchase doesn't meet their specifications? Will they only help me if I have enough money to buy a home worth a certain amount?
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NJ)

Followup to CFPB case # XXXX As stated in the attached XX/XX/18 letter from Wells Fargo, XXXX rewards points were to post by XX/XX/18 for redemption. As of XX/XX/18, the points have yet to be posted.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights by reporting late/no payments for the months XX/XX/2022, XX/XX/2022. The following account needs to be updated to payed in full. 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 hand written instructions.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (FL)

I have checked all three of the credit reporting agencies and Diversified Adjustment has sent and alleged Debit to the agencies in the amount of {$590.00}. I did not receive any documentation advising me of the alleged debit. I also have a pending case regarding XXXX that I have filed with the CFPB that is still being reviewed. According to the CFPB my rights have been violated because I was not provided with a electronic of mailed validation letter.
Consumer complaint received 2018-04-26
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. (NC)

The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Due to loss of income I was on a forbearance plan for around 6 months with my mordgage company witch was community loan servicing, I then was offered a XXXX  XXXX covid flex modification witch I excepted and made 3 trial payments The payments were for XXXX, XXXX and XX/XX/2022 I received a letter from community loan servicing, thanking me for making my final trial period payment, and that they are working on sending my final documents to complete the permanent modification Around XX/XX/2022 my loan is sold to selene financing. I call selene and to this day they do not see any modification in there system They are not allowing me to make any payments as well as there showing 10 months past do I keep on getting the run around from. Selene. I requested a call back to speak to a supervisor 1 week ago and still have not heard back from selene I'm not sure how a loan can be sold in middle of a modification and how a XXXX  XXXX loan can be sold to a non XXXX XXXX company, I'm actually not sure if that is legal, I was always told that when my loan is sold its a change of services but its the same XXXX XXXXXXXX loan Please look into this asap as I made my trial payments and the modification needs to be honored Thank you. 
XXXX XXXX
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (AL)

This XXXX XXXX XXXX is out of control. I made a complaint to XXXX that XXXX XXXX XXXX requested hard inquiries instead of soft inquiries when I applied for a loan with XXXX XXXX. I was instructed by XXXX XXXX XXXX to contact them directly, as they were a part of XXXX. I complied. 

This crazy company twice sent me an unauthorized credit report with all the applications for credit and loans I have received in my lifetime. The second one stated that inquiries had been deleted, but do not give a breakdown of what was deleted. This company is unethical and nuts, to say the least. 

STOP PULLING MY CREDIT APPLICATIONS AND LOANS I HAVE HAD THROUGHOUT MY LIFE. What is the purpose of this? All I requested is an adjustment to my credit report where hard pulls had been done with XXXX XXXX. I  was told that these inquiries should be soft pulls.
Consumer complaint received 2018-10-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (MO)

My home mortgage loan amount was paid in full on XX/XX/XXXX to Ditech. Ditech has not reported to credit bureau sinceXX/XX/XXXX. I have made at least 3 calls to the company ( XXXX, XXXX x2 ) to tell them to update this information to my credit because it appear on my report of owing {$110000.00}. This affect my debt ratio. I have received the run around along with fraudulent information from Ditech representatives.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C (IN)

Stenger and Stenger bought an old debt from XXXX XXXX and sued me over it. A judgment was entered on XX/XX/2012. Per XXXX law, they had 10 years exactly to collect on the judgment via garnishment. That date passed and I notified the XXXX XXXX Indiana Clerk of this, yet this company continues to garnish my wages in violation of XXXX law. They were also notified of the date passing, yet have not sent the release paperwork to my employer, and continue to collect on this debt. While overall a garnishment can be for longer, without a renewal before that XXXX window is up, garnishment can only be collected in the first 10 years. 

This is reference case number : XXXX in the XXXX XXXX Indiana courts.