davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (TX)

In accordance with the fair credit reporting act.. The list of accounts below has violated my XXXX XXXX consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... XXXX XXXX ... Account # XXXX... .. Account Name... XXXX XXXX XXXX ... Account # XXXX .... Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name .... XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXXXXXX XXXX Account # XXXX ... Account Name ... XXXX XXXX XXXX XXXX ... Account # XXXX .... Account name .... XXXX ... Account # XXXX .... Account Name... XXXX XXXX.. Account # XXXX .... Account Name... XXXXXXXX XXXX ... Account # XXXX XXXX Account Name ...XXXX XXXX XXXX ... Account # XXXX ... Account Name... XXXX XXXX ... Account # XXXX .... 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 1681 c. ( A ) ( 5 ) section state : 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 XXXX years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-03
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. (FL)

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

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

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I signed loan documents on XX/XX/2022 for a HELOC with Regions Bank. Based on issues with the process, I confirmed to management that I did not wish to proceed with the loan, within the recission period. They indicated that the loan and application where withdrawn. They then proceeded to encumber my property by recording the {$25000.00} lien without funding the loan. I am not being prevented from finalizing a new loan with a new lender based on their error in recording an unauthorized lien against my property
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (IL)

I EMAIL LEXISNEXIS BY WAY OF THEIR CONSUMER PORTAL TO VIEW MY CREDIT REPORT. LEXISNEXIS MAIL ME A LETTER WITH A URL SITE TO GO TO WITH, PIN NUMBER WHEN YOU TYPE THE URL LINK YOU GET AN ERROR MESSAGE. TRY TO CALL THEIR PHONE NUMBER YOU JUST GET AUTOMATED ANSWER. NO ONE TO SPEAK TOO.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: EAST WEST BANK ()

On XX/XX/2020, I transferred money from XXXX XXXX XXXX to a friend account of East West Bank, which was XXXX USD, but because my friend gave the wrong account, that account has been deleted, causing the remittance to fail, but the XXXX account money has been deducted. 
So XXXX implemented a transfer recall operation, but until today it has not successfully returned a refund. People from XXXX 's transfer department said that East West Bank sent them more than 10 telegrams without refund. 

The following is the transfer information : From Account : XXXX ( XXXX ) To Account : XXXX ( XXXX ) To Name : XXXX XXXX Information from XXXX Transfer Department : XXXX no. ( U.S. wire transfer number ) : XXXX The number of the wire transfer provided by XXXX ( intermediary bank ) to the beneficiary bank : XXXX
Consumer complaint received 2015-11-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland credit management account XXXX amount {$630.00} opened. XXXX has been reporting inaccurate on my credit and is in violation of federal law. This account is a collection account and is reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this account from my XXXX credit report for violating the fcra and inaccurately reporting account statuse as well as account type.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (PA)

During XX/XX/2021 my debt card and information was stolen from me and a check of {$9000.00} was put into my account I called pnc to dispute this charge, when I contacted the company they told me I would not owe no money back because it wasnt me now I am getting mail from debt collectors on the behalf of XXXX
Consumer complaint received 2018-05-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (DC)

OnXX/XX/2018. I applied for a loan modification so that my monthly mortgage payments is to be lowered to under {$500.00}. I have been asking for this ever since I became a separated divorced low income senior citizen and had my hourly wages reduced.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account number : XXXX  Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX
Consumer complaint received 2022-10-08
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the account, XXXX XXXX, several times with Transunion. The errors have not been corrected and the account remains on my credit report the same way. The account has several missing payments, which is incomplete information. I have pointed this out with documents several times. Still, the issue has not been fixed and the account has not been deleted. This is not fair. The company has to report ALL information. Look at the attached document. You can CLEARLY see the missing payments. The account was opened in XX/XX/XXXX. Look at the open date. However, there are no payments reported until XX/XX/XXXX, which is over a year after the account was opened. There are also several missing payments throughout the reported payment history. Incomplete information is a violation of the Fair Credit Reporting act. TransUnion has allowed this company to continue to verify this incomplete and inaccurate information.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (IA)

Elan Financial Services sent XXXX PLATINUM CARD AGREEMENT with no identifying information as to which company they are performing credit servicing for. I contacted customer service at XXXX XXXX on XXXX XXXX and spoke to XXXX ( they record conversations, per XXXX ). She requested my SSN and I declined as uncertain whether this was a scam. 
She was unable to locate an account for me using my complete name and mailing address. She stated " this is probably a scam letter ''. I commented " are you a scam as all phone numbers point to you ''? She said " no, as i didn't give her my SSN ''. I advised her at that moment I would be reporting them to the XXXX, Fair Trade Commission and Office of the Attorney General. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TELECOM SELF-REPORTED XXXX Balance : {$45.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Outsourcing, Inc. (MS)

I received a collection letter dated XX/XX/XXXX from ROI regarding a bill for XXXX from XXXX XXXX XXXX XXXX. as I am a patient there. This bill was in dispute when it was still at XXXX XXXX as my second insurance was not billed yet and have been trying to get this resolved. I sent out a letter on XX/XX/XXXX to cease and desist all collection activity under my legal rights within 30 days to notify of any disputes and sent it out certified mail and they signed for it on XX/XX/XXXX signature included. I had asked for validation of debt from ROI in my request to validate. Then on XXXX  XXXX they sent me ANOTHER collection letter and had not sent any of the validation of debt I had requested per the law so therefore they are in violation of the FDCPA. I then sent another certified letter stating I was obtaining legal counsel and seeking damages. I didnt hear from them until XX/XX/XXXX with two more new charges totaling the same amount as the original amount. 

They are deceptive in their practices.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: AMERICAN HONDA FINANCE CORP (SC)

I am a federally protected consumer, making a complaint to due to reporting false claims on the credit report. This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 XXXX Account Number : XXXX and 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 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-14
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. (CO)

I sent in 2 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a collections account ( XXXX  ) show up on my report. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on an account I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 2 months now.
Consumer complaint received 2022-12-03
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 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 XXXX nad TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$4400.00}