davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have disputed the inaccurate information found on my credit report regarding the XXXX XXXX 's XXXX XXXX XXXX, however it does not seem as though they have been fully investigated. I believe fraudulent activity is occurring regarding this account because the credit union never paid any money on my behalf or to me and were never actually out of any money. They have written off the account and sold the account to a collection company, so they have been paid on the account, however they are still reporting and updating a balance every month as if I owe them. To my understanding, this is considered a violation because it would have to have a {$0.00} balance. On top of that, when I have called the credit union to resolve the issue, they tell me they can not speak to me or perform any actions regarding this account because they no longer own it and I should have or will be contacted by the agency who owns it. I have requested to have this information removed immediately because it is a violation of my rights and is negatively impacting me. One of the bureaus actually took the time to investigate this and already removed the information.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

My husband and I sold our house on XX/XX/XXXX. Our attorney cut a check to Quicken LoansXXXX Mortgage for the payoff balance that we were quoted. Then the perfect storm hit. The mortgage company took money out of Escrow on XX/XX/XXXX to pay the homeowners insurance company, XXXX, which left a balance on the account that we didnt find out about until yesterday from our attorney. After calling and speaking with Quicken Loans and them advising us they have already sent the payment to XXXX and cant recall/void the check because it was for other customers as well. I called XXXX yesterday and they advised they do not have the payment yet. I called Quicken Loans again today to be told we have to pay the {$1000.00} or we are going to default on the loan, even though they are going to get more than that back from XXXX as they are going to reject the payment because the policy is cancelled. We are being charged {$30.00} dollars a day in interest since last Friday and they arent willing to do anything to help us. Can you help me? I dont feel that I should have to pay {$1000.00} up front plus the interest from Friday-today out of my pocket when they are going to get more than that back from XXXX. I dont know what else to do other than come up with the money and wait for a refund, but that doesnt seem to be fair.
Consumer complaint received 2023-04-10
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. (AL)

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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX  : 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 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 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, EQUIFAX AND XXXX.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
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. (WI)

In pursuit of my consumer report my rights has been violated against the cod 15 US 1681 where I did not provide written consent or permission for my consumer report to be ran throughout the numerous companies listed in this report, I am asking for what is fair which is to remove all inquiries from my report within 4 business or I will be forced to pursue legal actions.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (FL)

The problem started in XXXX when Experian would not updated my XXXX XXXX XXXX XXXX XXXX XXXX revolving credit card account. I have filed multiple disputes, with it going from wrong information to no information.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/2018 my loan with XXXX  XXXX was sold to XXXX XXXX/Shellpoint Mtg Servicing. XXXX XXXX transferred my loan information to XXXX XXXX/Shellpoint with a negative escrow balance of {$480.00} for flood insurance. This was in error because I have had continuous flood insurance coverage since XX/XX/XXXX. I have never had an escrow account, as I pay all my taxes and insurances myself. I addressed it immediately with XX/XX/XXXX/Shellpoint because my first statement from them showed the negative escrow balance of {$480.00} and they added an escrow account and increased my 30 year fixed rate payment. I have called, faxed and emailed several times a month since XX/XX/2018 to get the corrections made. Each department says it's up to a different department to fix it. As of XX/XX/XXXX, I have repeatedly submitted evidence of continuous flood coverage dating back to XX/XX/XXXX including the letter from XXXX XXXX. XXXX XXXX will not help, they state they do not have any files or information ... that everything was sent to XXXXXX/XX/XXXX/Shellpoint. XX/XX/XXXX/Shellpoint puts me off continuously by stating a variety of non-sensical and non-applicable reasons for not making the correction. The last supervisor I have been speaking with in the Insurance Department ( XXXX XXXX ) states that " he is waiting for response from his contact at XXXX XXXX ''. This is FIVE MONTHS of being blown off by XX/XX/XXXX/Shellpoint ... all the while my FIXED Mortgage payment increased {$40.00} per month. I have NEVER had a missed or late payment on my mortgage and I do not want XX/XX/XXXX/Shellpoint messing up my excellent credit because they can not be bothered to correct the issue.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation (KY)

Several months ago I sent a written cease and desist letter to regarding a XXXX   XXXX/XXXX XXXX account to not be contacting me via telephone at any number pursuant to the FDCPA.  That letter was received and responded to that stated they would cease and desist telephonic communications.  Today, on XX/XX/2019, I received a collections call from Global Credit and Collection Corp. in violation of the request to not be contacted via telephone.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My credit card provider increased my monthly minimum payment without any type of notification of the change. My minimum payment of {$30.00} for months of XXXX and XXXX were paid. However there was an increase ( starting in XXXX ) in my minimum monthly payment of {$7.00}. I'm on automatic bill pay ( recurring payments ). Since I'm using this service I don't check my statements. I do not review my statements every month due to the fact I know what I'm spending. All they had to do was contact me and explain that there was going to be an increase in my monthly bill. Instead of contacting me they began charging late fees. If I was notified I would have immediately made the adjustment to my recurring payment total. I do receive a email each month that I have a credit card statement. Same as my other credit card provider. The only reason I had checked my credit card statement was because I received a different email " Account alert '' that is when I noticed the fees being charged.
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (OK)

In or around XX/XX/XXXX-XX/XX/XXXX, ( can't remember exactly dates due to having mild XXXX from military service ) my wife and I had secured phones with XXXX XXXX, however, upon getting to our house and that following week, our services and phone signal was not-existent, calls were dropped, couldn't get a signal, so I contacted their customer service and was relayed to their technical service department. They opened a ticket and they researched why our services wouldn't work at our house. The response from them was this, their equipment in our area was old, does not work well and they aren't going to update soon. The equipment was their cell towers, the field techs confirmed that their services was not right for us. We took this to their customer service, it was escalated to their management team, it was agreed that we take our equipment ( phones ) back to the store and all contracts would be dropped due to their services would not be available at our residence. My wife owns her own business and her phone is her lifeline, I am in the military and mine is too me as well. We left that day with no contract with XXXX XXXX and no balance, we immediately went to XXXX and was with them up until we moved to XXXX XXXX XXXX 2 years ago. This is an attempt to get money out of me that this company has no contractual agreement to nor do they have any legal recourse to do so. This should be deleted IMMEDIATELY and XXXX XXXX should CEASE any and all attempts to steal illegal funds from me. Their illegal reporting is causing undue harm to my credit and is defamation of credit.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MN)

My name is XXXX XXXX and I reported my check being stolen on identify theift and I told direct express about it and I explained to them that some one hacked my card I tryed showing them it was not me .I did not make the buys on my card. And denied me the refund to my account.and if you look back you'll see I never made these purches before I've never spent over XXXX to XXXX dollars over there places I've never gone to before.please help. 
Thank you sincerely XXXX XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc. (LA)

I recently filed a complaint with the XXXX XXXX XXXX in regards to an entity known as Pro Collect. The issue pertains to an item that was posted to my consumer credit file with XXXX XXXX in the amount of XXXX. The item was not validated and I was never afforded the opportunity to respond to the accusation. 
I was never given notification by Pro Collect of the alleged debt prior to it showing up on my credit report I was never given the opportunity by Pro Collect to request documentation that could validate the alleged debt. 
I was never given notification that I had 30 days to respond to the accusation of debt by Pro Collect before it could be assumed as pertaining to me. 
I did not receive written notice of : The amount of the debt, or the name of the creditor to whom the debt is owed. 
I received notice from the XXXX  that Pro Collect had sent a response to them. In the response Pro Collect states that there are somehow multiple alleged debts regarding this item, totaling XXXX which until that very moment had never been revealed to me. I have found out about the alleged total balance of this alleged debt that Pro Collect appears to be attempting to collect on via a third party which is a clear violation of the Fair Debt Collection Practices Act ( Section 805. Communication in connection with debt collection ) { ( b ) Communication with third parties }. This is merely one of many violations of the FDCPA by Pro Collect that is known to me at this time, it is as if they are truly immune to the FDCPA and know that they will not be held accountable for these actions.
Consumer complaint received 2022-11-19
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX
Consumer complaint received 2022-11-19
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank PayPal XXXX is incorrectly reporting an account that was included in a bankruptcy proceeding. They are reporting this account as open and with 2 late payments. This information must be deleted, it is completely incorrect. I have an ongoing dispute about this account with XXXX, but it is coming back verified by Synchrony. This error must be corrected immediately.
Consumer complaint received 2021-06-24
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: Bread Financial Holdings, Inc. (NY)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
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: EQUIFAX, INC. (NY)

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 2022-05-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXXl 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 can not furnish a account without my written instructions.
Consumer complaint received 2021-06-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America, XXXX, New Jersey branch was preventing me from making a deposit because they refused to wipe down the machine into which they required me to place my identification card. The branch manager did not social distance. Apparently the Bank of America is unaware that there is the very deadly novel coronavirus that early spreads as both the teller and the branch manger told me that they only clean the machine once a day! If I can even believe that!

Reckless on the part of the Bank of America! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( XXXX  ) pro se
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/21 XXXX XXXX called me while I am high risk and XXXX harassing me about a {$6000.00} debt that my father supposedly owe. I have nothing to do with my fathers expenses nor do I live with him. He was threatening me with bringing both my dad and I to court when Im not even on the debt or have anything to do with it. He was threatening to seize my dads property saying that its illegal as my deceased mom is still on it. He caused me such distress with his antics, threats and harassment that I ended up in the ER due to him causing me a XXXX XXXX and my XXXX racing. He even told me to pay {$4000.00} as a settlement to have this just go away when the debt has nothing to do with me.
Consumer complaint received 2021-03-04
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. (PA)

My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.
Consumer complaint received 2021-03-04
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: Bonneville Billing and Collections (OR)

I obtained my consumer report on XX/XX/21 and I have a collection account reporting that I believe is inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.