davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
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. (AZ)

The following accounts listed on my Equifax credit report are fraudulent and not my accounts : XXXX XXXX XXXX and XXXX XXXX, {$1100.00}
Consumer complaint received 2021-06-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

Nation Star bank and Mr. Cooper have failed to satisfy the mortgage with the bank although payment was made. They are delaying the process of me obtaining a home for myself and my children. 

I dont understand how banks are able to force payment then not satisfy the commitment and title. Mr. Copper has been negligent in record keeping and reporting accurate and verifiable information.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MO)

I have tried several times to contact Wells Fargo to resolve a debt that I do not believe to be mine. I need proof that this account was opened by me. I need proof of authorization and my signature. I have tried to dispute this debt several times and have paid it in full because of the impact it had on my credit.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CL Holdings LLC (FL)

XXXXEFFERSON CAPITAL SYSTEM In my credit I got a debt of XXXX in collections They opened it on XX/XX/2021 That account was opened without my authorization XXXX XXXX XXXX Original creditor
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I called Creditor Capital One to inform them of charges on my account that needed to be disputed. A charge dated XX/XX/2020 for {$500.00} dollars and XX/XX/2020 for {$500.00} and {$1000.00}, also a charge for {$68.00}. The gentleman I spoke with informed me I would be sent a new card. On Saturday XX/XX/XXXX I attempted to use my account and was denied. After viewing my account online I learned that my available balance was reduced from {$1600.00} to XXXX dollars. After calling Capital One to inform them that they mad an error and should not have reduced my available, balance, they then corrected my balance to reflect an available balance of {$1600.00}. 

On Monday I received my new Capital One Card and attempted to activate the card only to find out my account had been restricted. After contacting Capital One on three occasions the first Specialist informed me my account was in that status due to the disputes, while the other two representatives had informed me my account had been cancelled as of a result of a return payment that occurred 14 months prior. 

In its actions Capital One has shown they are willing to disregard the law. My account was over 8 years old, and my credit report reflects no lateness within the past 4 years. 

My account was restricted for use My account was then cancelled My credit will be severely harmed as a result ( See attached notice )
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I want to point out every complaint I have done with Transunion they have need followed the law. It states that Provide its reinvestigation findings to the consumer. After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ). 
I am never told the procedures used in the investigation only that it came back verified or accurate. I dont believe an investigation ever happen and Transunion can not prove that it did.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (CA)

My brother received a letter at his address with my name on it that states I owe someone {$11.00} for some service? I'm not aware of any such debt? Service debt amount is as of XX/XX/22 and letter is dated XX/XX/22. 
I have no idea or recollection of any service or company name. They are giving me deadline of XX/XX/22. My brother sent me a text message/ copy of the front side of this notice ; I do not have a printer to print out this letter to see the back side of this letter.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX XXXX continues to furnish data on credit file improperly. XXXX  debt is satisfied and was eligible for removal. Company failed to comply according FCRA guidelines.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (KY)

Was giving retroactive forbearance and still had XXXX days XXXX day XXXX days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.
Consumer complaint received 2017-12-12
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: Franklin Collection Service, Inc. (AL)

I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked XXXX for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.
Consumer complaint received 2021-11-02
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: BMW Financial Services NA, LLC (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time yet there was a 30-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report on XXXX ; this should have been investigated and corrected immediately. I tried contacting the XXXX, XXXX and XXXX requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

Today, XX/XX/XXXX, I attempted to make a payment on my CareCredit card managed by Synchrony. We opened it last year XXXX XX/XX/XXXX XXXX to pay for my husband 's XXXX which is an approved expense under our HSA. I have been paying the monthly payments out of pocket because we had other medical bills we were paying off with our HSA. This was my 1st attempt using my HSA to pay this credit card. I was unable to use my HSA to pay the monthly payment. I reached out to Synchrony representative via online chat. I was told I am not able to use any card that has a Visa, Mastercard etc. logo on the card, and even then an HSA card without would probably not go through. We planned on being able to use the HSA to pay off this bill, so we budgeted that way. It is very deceptive that a credit card that is marketed solely to pay for medical, dental, or ophthalmologic services will not accept HSA funds. I have attached the CareCredit Cardholder Agreement section about how to make payments. It does not state that HSAs are not applicable. 

HOW AND WHEN TO MAKE PAYMENTS When Payments Are Due. You must pay at least the total minimum payment due on your account by XXXX XXXX. XXXX XXXX XXXX on the due date of each billing cycle. Payments received after XXXX XXXX. XXXX XXXX XXXX will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. 
Payment Options. You can pay by mail, online or at certain dealers/merchants/retailers that accept the card and payments. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. 
dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. 
How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used. 
Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. 

Thank you for you for your time and assistance.
Consumer complaint received 2024-02-25
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. (LA)

Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. I have never been late on the dates listed below please verify these late payments to current! By the provision of the fair credit reporting act I demand these items be investigated and removed from my consumer report it is my understanding that you will reverify these accounts with the creditor that posted them. The account below still shows inaccurate late payments I have circle the many inaccuracies between the consumer reporting agencies! 

ACCOUNTS : Creditor : XXXX XXXX XXXX Account Number # XXXX. In Accordance with the Fair Credit Reporting act 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 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. Code 1681a- Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. 15 U.S.C 1681e-Compliance procedures- ( b ) Accuracy of report : -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I NEED THE TRACKING NUMBER & COPY OF THE NOTICE REQUIRED UNDER SECTION 1637B THAT WAS SENT TO ME IF YOU CAN NOT FURNISH THIS INFORMATION THIS LATE PAYMENT IS INACCURATE AND VIOLATES MY RIGHTS UNDER THE FCRA. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

XX/XX/XXXX I PAID OFF MY LOAN IN FULL XX/XX/XXXX CROSSCOUNTRY SENT A LETTER TELLING THEY HAD NOT COMPLETED THEIR INVESTIGATION OF THE ERRO IDENTIFIED IN THEIR CORRESPONDENCE. 
XXXX XXXX THE LENDER CROSSCOUNTRY SAID THEY SENT THE ESCROW REFUND FOR {$5700.00}, BUT I NEVER RECEIVED THE CHECK XX/XX/XXXX I SENT A FAX AS A REQUESTED BY CROSSCOUNTRY TO CHANGE MY MAIL ADDRESS, THEY SAID THEY HAD ANOTHER MAIL ADDRESS. 
XXXX XXXX I CALLED CUSTOMER SERVICE ( XXXX ) XXXX XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT A LETTER SAYING THAT THE INQUIRY HAS BEEN RESOLVED. BUT THAT WAS NO TRUE. 
XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT ANOTHER LETTER SAYING THAT THE INQUIRY WAS BY REVIEWING BY THE APPROPIATE AREA. 
XX/XX/XXXX I SENT A CERTIFIED LETTER TO REQUEST THE ESCROW REFUND FOR {$5700.00} XX/XX/XXXX CROSSCOUNTRY SENT A LETTER THAT SAID THE SAME THAT ITS LETTER IN XX/XX/XXXX. 
FINALLY, XX/XX/XXXX I RECEIVED A LETTER SAYING THAT ACCORDING THEIR RECORDS CHECK NUMBER XXXX, DATED XX/XX/XXXX, FOR ESCROW REFUND OF {$5700.00} WAS CASHED ON XX/XX/XXXX. AND THEY DIDN'T ATTACH ANY EVIDENCE IN THE LETTER. 
THAT IS NOT TRUE BECAUSE WE NEVER RECEIVED THAT CHECK, THE MAIL ADDRESS THEY HAD IN THEIR RECORDS WAS WRONG THEY SAID IN XX/XX/XXXX THAT WAS WHY THEY REQUESTED US TO SEND A FORMAT BY FAX TO CHANGE THE ADDRESS AND WE DID THAT.
Consumer complaint received 2020-12-10
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. (MA)

The credit reporting agencies deleted incorrect and/or incomplete information, only to recently report the erroneous data again. The credit bureaus service failed to report deleted negative incorrect accounts in all three credit reporting agencies.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. ()

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2020-12-10
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. (OH)

Unless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different information
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I have disputed this debt and been unsuccessful with a response from the comp

any 1. I never received a notice of debt or right to dispute. 2. I was notified th
at creditor received NYS Covid rent relief that if this debt is a valid the debt balance should be adjusted.

I have no proof of validity of balance or adjustment
Consumer complaint received 2020-12-10
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: ENCORE CAPITAL GROUP INC. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

I received a letter from I.C.System, a collection agency, XX/XX/2021, demanding that I pay THEM {$59.00}, naming the creditor as XXXX account No : XXXX. I.C. System XXXX XXXX : XXXX. 
I called XXXX, talked to a representative called XXXX, who informed me they had NO information regarding the {$59.00}, and that my account was current. 
I called I.C.Systems XXXX XXXX XXXX XXXX to dispute the billing. The rep informed me that they had received the request from XXXX 14 days ago. Obviously, not true. When I called him a scammer, he replied " I'm sorry you feel that way ', and hung up Their address is : I.C.Systems, XXXX XXXX XXXX, XXXX XXXX, MN XXXX I don't have an account with you, but my e-mail address is XXXX XXXX
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit report act 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.
Consumer complaint received 2020-12-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-12-10
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. (IN)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.