davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-09
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. (NY)

I am having an issue with the three major credit bureaus XXXX, XXXX, and Transunion. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit XXXX XXXX  which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for UniXXXX XXXX XXXX which is false and misleading because I lived in unit XXXX XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to XXXX disputing the accuracy of the account and it came back verified every time. This is evidence that XXXX is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration or other litigation.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (MS)

I contacted Professional Debt Mediation on XX/XX/2022 by telephone and my call was not answered. I contacted XXXXXXXX XXXX XXXX  ( where the original debt came from ), spoke to XXXX XXXX the Apartment complex manager on XX/XX/2022, she replied by email that she has sent 2 emails to this company asking them to remove this debt of {$280.00}. The debt was paid with the original creditor per the terms of the agreement between XXXX XXXX XXXX and XXXX XXXX on behalf of XXXX XXXX. I sent all the supporting documentation to XXXX, XXXX, XXXX XXXX, The Attorney General of Florida, XXXX XXXX XXXX, and Professional Debt Mediation. They continue to flag my credit report, Seems they are not interested in cooperating with me to correct the mistake.
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-18
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. (VA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-24
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: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

The account that is in question ( Enhanced Recovery CO L for XXXX XXXX ) opened on XX/XX/2017 with a balance of {$520.00} was entered into collection. The debt collector did not have an accurate address on file. Therefore I did not receive proper notice. I have been willing to pay the account off in full but the debt collector refuses to report to the credit bureau to delete the item from my credit report. XXXX XXXX XXXX the original debtor failed to pay XXXX off after I switched to XXXX XXXX XXXX ( Promotional Claim ).
Consumer complaint received 2021-08-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have not received any letter of default or anything about repossion, i fell behind during covid and have been trying to catch up since. I owe them 8 payments, i offered to make 4 which they denied. I asked them to give me 30 days to sell the vehicle as i have equity in the car and are unwilling to help. The confusion started when we did a forebearance plan at the start of covid with start dates and wasnt properly explained to me.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

Around XX/XX/XXXX I noticed a {$17.00} collection report on my XXXX  report. I don't know what this is as I paid it a year ago, on time. I have never received a notice about this, it just showed up on the credit report. I have excellent credit ( used to be > 800 ) and pay all bills on time. 

I called the creditor 's number listed on the credit report and they show it as paid off XX/XX/XXXX. I have the credit card statement showing the {$17.00} amount. XXXX said they did not send this to collections. 

Their contact info : Phone : XXXX Toll XXXX Fax : XXXX Hours : Monday Friday, XXXX XXXX. XXXXXXXX XXXX Central Time From <https : //propath.com/home/contact-us/> XXXX was unable to help because there is " no collections record ''. 

I disputed twice with XXXX. 

On XX/XX/XXXX, case XXXX On XX/XX/XXXX, case XXXX And I just called into XXXX   to dispute a third time, this time the rep recommend disputing as not mine vs the {$17.00} amount. 

I'm stuck between a rock and a hard place on this as it's paid off and XXXX  says they can confirm it. I don't know who to turn to.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : 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 2022-11-16
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. (MD)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I was billed a charge for XXXX XXXX XXXX XXXX  in the amount of {$200.00}. Someone called me under the name of XXXX XXXX to offer a travel package. I immediately found out that they were not Marriott and reported the fraud to Chase bank. Chase bank keeps telling me that the charge was good, but it was not. I have received no goods or services from XXXX XXXX XXXX  XXXX. Chase says that I did, but have not provided me with what goods or services that they believed that I received. I have no detail as to the vendor, what goods or services they are talking about, I have no contact information for the vendor.. I have written many letters to Chase to resolve the dispute. They write back without any information as to the goods and services provided ; without any information about the vendor : They just refuse to honor their policy to remove fraud charges. My advice to other is not to accept any calls from those who identify themselves as Marriott.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

I called the original supposed debtor XXXX and their systems were supposedly down. I then tried to call the XXXX XXXX which is supposed to be the debt collection agency. The man who answered the phone kept saying " hello can you hear me now? '' I told him I could hear him fine and asked if he could hear me and he replied yes he then asked again if I could hear him now to which i just responded that I was calling about a debt. He asked for my name and I gave it. His response was " You have a very common name and I will need your social security number to look up the collection '' I told him I would only give the last 4 and if they have a debt associated with me as they claim it would bring up the account he said " Your name is too common and that even with the last 4 of my ssn he would not be able to find it without the whole number '' I told him they are trying to collect a fraudulent debt. I told him I would not give my entire Ssn to him and ended the phone call. 
I did have XXXX XXXX in the past but I had it for 4 years when I discontinued my service I A ) was no longer under contract as the contract I signed was only for 2 years B ) When terminating my services I paid my final bill and C ) I returned all equipment XXXX sent me back to them. I have dealt with debts before and I know his answers to be lies. I believe this is one of those yes scams just trying to steal information and identities posing as a collection agency. Oddly enough this supposed debt is only appearing on my XXXX  Credit Report ( this debt was supposedly from 2012. ) after their breach I am wondering if all this is a result of my stolen information
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802. 

THE PRIVACY ACT OF 1974 ( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both. 
( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
(

15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulation prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission, with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Starting in XX/XX/XXXX I started getting form letters from USAA stating that USAA had been notified by the USPS that my address had changed and that I needed to notify USAA of the change so USAA could update their records.

I have gotten a letter every month since then. I DO NOT HAVE AN ACCOUNT WITH USAA. I complained to XXXX  and a person named XXXX XXXX/Advocacy Advisor called me in XX/XX/XXXX saying I did have an account, then I didn't have an account and finally that I had closed an account over 25 years ago. He demanded I provide him with my SSN, I did not, and he stated that the letters would stop. 
They have not. 
I received another letter in XXXX, then a letter in XXXX from this person saying the position of USAA had not changed (? ) and again another letter asking for me to log into a non existent account to upgrade my address. 
This is harassment.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting.

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : 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 2018-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KS)

We fell behind on making payments with the company since I am only paid once a month now. We have informed the company that we can only make payments once a month and will eventually get caught up. The have called my husband 's work multiple times even after he told them to stop calling because he can not take personal calls at work. The woman he spoke with today threatened him and said she would call his work everyday until we are " caught up on our bills ''.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was moving and was looking for apartments or homes for rentals online. I have never been scammed and am pretty aware of what can go wrong so I made sure I was smart about it when gathering details before I sent any payment. I found an ad on XXXX and inquired about it. 

Someone named XXXX XXXX XXXX texted me from the number XXXX stating it is his property and he is renting it out. The address to this property was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He said he was currently living in Idaho with his family and I told him was skeptical about sending any payment. He then proceeded to send me his license from Idaho with his name and address on it that matched. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 

He also typed me up a lease agreement with his signature from his gmail email address, XXXX. He also attached a certificate of ownership for the address he was advertising for. 

He then asked me if I had XXXX. I told him I would feel comfortable sending the deposit in one payment and then first month rent in the next payment a few days after while I did more research. 
I sent the first initial payment on XX/XX/22 in the amount of {$1000.00} to his XXXX account which was XXXX. 

I sent the second payment of {$1000.00} on XX/XX/22. I was supposed to move in on XX/XX/22. I did not hear anything from him after that and I realized I was scammed. 

I contacted my bank- Bank of America , along with XXXX XXXX and the local XXXX XXXX police department about this immediately. I also filled a complaint on the IC3.gov website. 

Bank of America said the denied my dispute because I authorized the transaction. In my opinion, that is extremely frustrating because there is no protection from scam through XXXX. When someone in a third party induces you to send money as part of a scam, that person is initiating a transfer without your authorization. I am very upset about this and now I am out {$2000.00} that I really need. I hope no one else makes the same mistake I did. I had a ton of information ( phone number, email address, XXXX email address ) and I know XXXX is traceable. I am shocked Bank of America just blew it over so quickly. Bank of America encourages customers to use XXXX yet BOA wants zero part in it when theres a scam. Its very upsetting and I hope no one has to go through this nightmare of being defrauded.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2023 XXXX XXXX was contacted to add an Authorized User to my account with the expectation of the Users information being submitted to Trans-Union . The information has never been submitted. I am asking that both of these companies be investigated. 
Thank You
Consumer complaint received 2021-03-03
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (GA)

We are trying to get a mortgage and it is showing that we have late payments from Roundpoint all the way up until XXXX of XXXX which is absurd considering our loan was transferred from Roundpoint to XXXX XXXX XXXX as of XX/XX/XXXX. I want all late payments since that date of XX/XX/XXXX removed immediately. I attached an email from Roundpoint stating that our loan was transferred as if XX/XX/XXXX therefore all late payments after that date are incorrect.