davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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 XXXX XXXX  Account # 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 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

XXXX, XXXX XXXX  card. 
we only use our card 1 time a month. XXXX says we owe {$1000.00}, we only go up to {$100.00} if nessesary. 
we contacted XXXX and told them that our card was scanned by a card reader illegally. 
we feel that we have paid enough on this bill. XXXX wouldn't work with us. 
we have been paying on this for 9 months. and it seems like it is going up. whats going on with this company?
Consumer complaint received 2020-12-08
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)

I have disputed items on my credit report due to they are inaccurate and unverifiable. The credit companies XXXX, XXXX, and Equifax has not fixed the problem despite the evidence that has been sent via certified mail. According to the FCRA they are required under to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations and reinvestigations they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? How did they verify these accounts? FCRA states that information has to be 100 % accurate which clearly it is not! They have NOT provided me a copy of ANY original documentation aka contract with my signature on it after asking them several times now! FCRA states under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that they have to provide me with it if I request it which they haven't. Next they have failed to provide the method of verification they used as required under Section 611 ( a ) ( 7 ). These are the FCRA rules not mine so why aren't they following them? Lastly, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Which they have not done either, again why aren't they following the rules? Why do we have these rules if they aren't enforced or followed?
Consumer complaint received 2023-03-24
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be updated ASAP. Thank you. 
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 XXXX
Consumer complaint received 2020-10-24
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. (NY)

I went to XXXX XXXX in XXXX, FL ( XXXX XXXX XXXX XXXX ) to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

This home depot card I have had since 2009 and never missed a payment as reflected in my credit report.  I went online recently this summer to manage a return and somehow the site made me click a box to proceed which also , in my opinion misrepresented, that I was signing up for online statements. I do not want online statements. I use paper statements each month and I like to pay my bills when they are sent to me. I have a very good track record of doing just  that.Because of this , I never received my regular statement and now I show a 30 day late for home depot which is false. I should not have this. I never asked for my statements to be switched.  This to me is unfair and not a good practice.  I want the 30 day late removed
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (CO)

I have a checking account with Charles Schwab. On XX/XX/XXXX, I noticed that almost {$15000.00} in unauthorized transfers had occurred in my account. I have no idea who made these or how it happened, and I called Schwab Customer Service. I was told they would initiate and investigation and I had my account completely locked down so no one could access it. I spoke to an account representative in the Investigations Department on XX/XX/XXXX and he said he would contact me again on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not heard from him. I have called Schwab several times between XX/XX/XXXX and XX/XX/XXXX, and my calls are never returned and no one is explaining anything to me regarding their fraud investigation ( if one is even occurring ). I have been advised by an attorney to notify the CFPB and XXXX.
Consumer complaint received 2023-03-24
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. (NY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (CA)

XX/XX/2021- I have placed several phone calls to this Clark County Collection Service, LLC, and never received a phone call back. 
I have written letters to have the company remove this debt from my credit report and to no avail, the debt is consistently staying on my report. I have disputed this debt with all credit bureaus.
Consumer complaint received 2021-08-17
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-10-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NJ LENDERS CORP (NJ)

I have requested that NJ LENDERS produce anything to show that the paid off my original XXXX purchase mortgage when I " refinanced '' in XXXX I have also requested that NJ LENDERS provide proof of discharge of the mortgage. I have requested this information about 10 times and get a heap of papers that does NOT include what I requested. 
The deed and title insurance location are no where close. The closing attorney XXXX XXXX XXXX refuses to cooperate with anything. The sellers closed with Power of Attorney and the signed certified records show that the sellers sold me XXXX XXXX XXXX XXXX NJ and NOT XXXX XXXX XXXX XXXX, N.J. XXXX XXXX XXXX XXXX  who bought XXXX XXXX XXXX XXXX has no record of the mortgage. NJ XXXX HAS NO RECORD OF PAYING OFF MY ORIGINAL XXXX PURCHASE MORTGAGE WHEN I " REFINANCED '' WITH NJ LENDERS IN XXXX AND THEIR IS NO DISCHARGE RECORD. 
I HAVE REQUESTED A COPY OF THE CANCELLED CHECK PAID TO XXXX XXXX XXXX   AND A COPY OF THE DISCHARGE ABOUT 10 TIMES AND NJ LENDERS CONTINUES TO SEND ME A HEAP OF PAPERS THAT DO NOT INCLUDE ANY PROOF OF PAYMENT OR THE DISCHARGE
Consumer complaint received 2023-03-24
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. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following itemsfrom my file. 
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 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want the inaccuracies removed from my account. Transunion allowed the company ( XXXX ) to add a bogus account to my consumer report. 

Within the last 72 hours a fraudulent company appeared on my credit report. When I noticed it high called trans union and they said that the account have been reporting since 2017. This is not my account this account just appeared a few days ago and I want it deleted forever I dont know who this company is. Attached you will find a copy of the name of the company and note it is a NEWLY ADDED ACCOUNT.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CONRAD CREDIT CORPORATION (FL)

Received an alert on my monitoring that a new collection is reporting with Conrad Credit Corp. I have no idea what this is and if it was to have opened in 2016 why is it just now reporting?
Consumer complaint received 2018-07-19
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. (TN)

This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX and Experian incorrectly continue to report the account as " Open ''.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX I applied for a Business cars and provided only my business information such as my TIN #. There was a SS# request section in addition to the TIN request section. I declined to put my Ss# in this section because I did not want to mix business credit with the personal credit. Once the application was completed. I received a email stating that to send additional documents for processing. Just as I was getting ready to send the documents capital one emails a decline letter, stating they would send the information about the decline within 10 days. Shortly after and because I’m signed up with Credit Monitoring through XXXX XXXX, I received notification that my “personal”credit had been accessed.I immediately called Capital one and was told that my credit was declined because I placed my TIN in the Ss section . I agreed and informed the representative that I did so because it would not let me move forward without entering some type of data in the section.As mentioned earlier the application requested a TIN, which was provided; and several sections later requested my personal social.Upon inquiring about the reason for decline prior to me being able to submit the requested documents, the representative informed me that even though I applied for business credit my personal credit must be accessed. I then informed the representative that clearly they were able to access my credit without me having to provide it because my credit monitoring application just alerted me that CAPITAL ONE accessed my credit.  The representative was unable to make since of the actions of CAPITAL ONE and only stated that I had to reapply which would result in yet another credit pull. I escalated the situation and still was unable to resolve. Finally, one day later I receive another email stating that I was declined because Capital one was unable to move forward because of a fraud alert that was placed by my on my XXXX bureau that didn’t contain a contact phone number for them to reach me to confirm that I did indeed apply for credit. However, as stated earlier if indeed they were unable to move forward on the application, why didn’t  CAPITAL ONE just decline the application and request further information instead of pull my PERSONAL CREDIT Without my permission, compromise my score, only to provide me with conflicting denial reasons.I am requesting that you further investigate the actions that took place in this business credit card request.Thanks
Consumer complaint received 2019-08-18
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. (CA)

A XXXX XXXX XXXX XXXX insurance company without communicating with me passed a bill that I owe an amount to them and I suddenly got a letter from collection agency that I supposedly owe to XXXX  and they request me to pay the amount of $XXXX.XXXXI had paid my insurance balance in full at the beginning of my policy and did not owe anything. I want to make that agency accountable for moral damages and trying to ruin my excellent credit.
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MID FLORIDA FINANCING LLC (FL)

Hello, My Name Is XXXX XXXX, On XX/XX/year>, I Recently Viewed My Consumer Report & Noticed I Have A Negative Account With This Repossession. That was Unauthorized Just Need it To Be Remove From My Credit Profile. 


thank you.
Consumer complaint received 2023-01-11
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. (NC)

Equifax has been provided all documents, police report information, and identity theft report but refuses to remove : 1. XXXX XXXX XXXX, collections account XXXX is violating my rights
Consumer complaint received 2020-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX I requested a validation of debt from synchrony bank for a {$1700.00} charge-off I requested the following be included : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 
They received the letter XXXX XXXX via certified mail. On XXXX XXXX I received a collection notice from XXXX. On XXXX XXXX I reached out to XXXX requesting validation of debt again. On XXXX XXXX I was told there would be an investigation and that my validation of debt will be sent to me. On XXXX XXXX I received a letter from synchrony bank that included three billing statements .Nowhere in this letter did they provide proof the debt was mine, where I agreed to pay, What was paid, nor did they provide right to dispute or that it was an attempt to collect a debt. I also didnt recieve any contact information other than the address it was from. I requested documentation twice from two different points of representation and have yet to receive it.
Consumer complaint received 2020-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Docuservpro dba Simple Repayment (CA)

I have student loans and I went through a third party called simple repayment thinking they would help me forgive my school loans and they told me my loan debt would be removed after some time so I was making XXXX dollar payments every months since the year of XX/XX/2018 until about last month when I called my loan service XXXX  and they told me my balance is the same and I wasnt making any payments.They told me theres nothing you cant do that simple repayment can do. I tried calling them for months and no answer, it goes to a voicemail and theres no online website where I could check to see how much I owe these were clearly fraudulent claims and I still have to pay off my school loans directly through XXXX and need help getting my money back that was going absolutely no where but to simple repayment.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

I've been trying to get a loan modification with my finance company and they continually say that I don't have all the documents so that I will miss the deadline date. They are making it almost impossible for me to get a modification as they also know that I'm on XXXX and need help lowing my interest rate.
Consumer complaint received 2020-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX  Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE