davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (MO)

Hello, I was recently a student at a college I no longer attend. I feel as if they mishandled me and discriminated against me. I have {$1000.00} to owe this bank as a charge off. There were fraudulent charges and activity in my account that I had no knowledge of. And my account owed this large amount. I was even told by fraud department that this school branch in XXXX, MO should have closed my account a long time ago if there was suspicious activity and open a new one, instead they just kept it alive. I have been mishandled and feel discriminated against. I do not want a closed account on my XXXX  as that can cause problems along the way. I want to be able to possibly open a new account with this bank in the near future or any other bank for that matter.
Consumer complaint received 2021-10-05
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. (FL)

the following accounts has been disputed twice with XXXX, XXXX and Equifax : 1 ) XXXX  XXXX XXXX # XXXX {$7300.00} XX/XX/XXXX 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX # XXXX {$1600.00} XX/XX/XXXX I called them several time and they claimed they haven't received the certified letters that was sent out to them with proof attached to them from FTC of a company or person misusing my social security number to open fraudulent accounts and who knows what else. they received the letters and its been over 30 days without no response or changes on my credit report, I would like to let you know that not only they are in violation of 15 usc 1681b ( 2 ) since I never authorize or gave consent to no one including them to report any information on my credit report. 15 usc 1681b ( 2 ) permissible purpose of consumer report, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

not only that these companies are in default because its been over 30 days with no response from them but they continue to violate my consumer rights and the FCRA
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (WI)

I was contacted multiple time by the company regarding a debt. I told the company that the debt is not mine. I was told basically told that it is mine and I need to pay now. Caller was rude and pretended like he was someone else to get me to give him personal information. 

I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Consumer complaint received 2020-04-29
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: SYNCHRONY FINANCIAL (PA)

My home was broken into and two credit cards were opened in my name. I have disputed the account with the SYNCB for a Walmart charge card as well as submitting proof and they have refused to remove from my credits reports. The suspect for the break-in was a family member with a drug issue and would have had knowledge of all of my personal information.
Consumer complaint received 2021-07-14
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: TD BANK US HOLDING COMPANY (NJ)

the following accounts that appear on my credit report are not mine, check them out Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-04-29
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. (SC)

On XX/XX/XXXX Transunion dropped my rating by 170 points based on a delinquency report fromXXXX XXXX in the amount of {$200.00}. 

XXXX XXXX claims the amount due based on a contract for the property at XXXX XXXX XXXX XXXX XXXX XXXX, our residence until its sale on XX/XX/XXXX, XXXX.We attempted to cancel this service with the security co XXXX yet they continued their billing after the sale. 

The original contract was with a different organization dated XX/XX/XXXX and that co, was subsequently acquired by XXXX and our payments for the duration show no delinquency Billing after the sale of the home is pure fraudulent intent.
Consumer complaint received 2024-04-25
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)

Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXX XXXX  and XXXX XXXX XXXX  that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.

These inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts. 

I urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/XXXX I sent out letter to have the debit from XXXX XXXX removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with XXXX XXXX XXXX XXXX  and XXXX  immediately.
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAD FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES FOR INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I ALSO FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDITR BUREAUS AND STILL HAVE NOT RECEIVE ANY MESSAGES. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2018-03-07
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: EQUIFAX, INC. (FL)

In XX/XX/XXXX of last year I complained to the three reporting agencies [ XXXX XXXX, Equifax and XXXX ] that for a prolonged time they reported my balance on my XXXX  XXXX credit card as too high and therefore harming my credit score. After initiating a dispute they deleted the card from my file. Not at all what I wanted, I simply wanted accurate balances to be shown. XXXX XXXX and eventually XXXX  corrected the error and since XX/XX/XXXXhave been reporting the correct info. Equifax does not and continues despite repeated attempts still shows no credit card info. They deny the existence of my card. I have sent them copies of several months statements as well as a payment history for the past year to no avail. When the balance dispute began XX/XX/XXXX my score with them was around XXXX. It still is with XXXX XXXX but my Equifax score continues to decrease since according to them I have no card. XXXX XXXX has also helped to solve this incompetence and assures me they report to Equifax monthly as required. They at one time even gave me the dates they had reported but Equifax continues to unfairly besmirch my credit. This is now a real problem as I am trying to purchase a home and will be penalized heavily for their incompetence.
Consumer complaint received 2022-09-11
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. (KY)

To whom this may concern. I am writing this matter on my own without any assistance of any third party. I shall now continue with my dispute. According to the Fair Credit Reporting Act, the following creditors are infringing on my federally protected consumer rights to secrecy and privacy under 15 usc 1681. XXXX XXXX are violating my rights, U.S. Bankruptcy Court Ref # XXXX are violating my rights. My fourth amendment rights are being violated by the creditors and the credit reporting company Transunion. My personal information should be safe and private within my paperwork, but it isn't because it's being shared with consumer reporting companies without my prior approval. My personal information is being disclosed to consumer reporting organizations without my express agreement, therefore neither my papers nor I are secure. My documents are not safe, which violates my fourth constitutional right. I also have a right to privacy, it 15 U.S Code 1681 section 602 A of the Fair Credit Reporting Act says. I feel like I'm being taken advantage of and that the mentioned creditors and credit reporting agencies are working together to harm me because my right to privacy has already been violated. I'm being treated unfairly and had my rights violated. A consumer reporting agency can not provide an account without my written instructions, and the mentioned creditors lacked the legal authorization to send my social security number to Transunion, one of the credit reporting agencies. 15 U, S Code 1681 Section 604 A section 2 states that. Because I never authorized nor granted permission for what the aforementioned credit reporting companies are doing to me, they are guilty of aggravated identity theft and may go to jail. 15 US Code 1681c ( a ) ( 5 ) states very clear that 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. By law, none of the accounts I've specified above may appear in my consumer report. 15 US Code 1681s-2 ( A ) ( 1 ) states 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. Prior to filing this complaint, I informed each of the mentioned creditors that their information was in fact unreliable, erroneous, non verifiableand incomplete. Thank you for your attention to this matter ; I assure you will not discriminate. I demand that these accounts be deleted immediately, or I will file a lawsuit for the questions and emotional distress this matter is causing me.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (NC)

I am filing this complaint because REGIONAL ACCEPTANCE CO ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2018-02-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I've tried on more that one occasion to do a service cancellable loan and each time that i'vover XXXX e applied I have been told that i don't qualify. I've been XXXX  more that 20 years and i would like to retire one day.
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (KY)

I paid my loan off in full. It has been 10 days since the money has cleared my bank and they have not started the process of releasing my title. I called to see if I could do an electronic transfer, certified funds, or bank to bank transfer and I was told I could pay a secondary service like XXXX XXXX and they would process my account faster. I was told the had up to 10 days to start the process of releasing my title and would not give me a set time that it would take once the process was started.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am disputing ALL THE PAST AND PRESENT NEGATIVE REPORTS against me published by this credit bureau. THEY NEED A FAIR INVESTIGATION AND NOT JUST LISTENING TO THOSE BANKS THAT I DID NOT PAY MY DUES. IT MUST HAVE A REASON WHY IS THAT AND NEED TO TAKE THAT INTO CONSIDERATION. I told to the credit bureau last year that all the negative reporting against me starting the year of XXXX up to the present time had/have been resulted from gross fraud. No XXXX went to my pocket at all. I have all the evidences and instructions on how the scammer who used me to get access of the loan money from those banks. Please see attachment regarding the Police Report that I obtained. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Also, the fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

Therefore, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. Please see attached. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the Feds in XXXX XXXX, California whose handling my fraud case currently. 

PLEASE STOP ENTERTAINING THOSE DEBT COLLECTORS AND BANKS WHO MADE DEROGATORY REMARKS ABOUT ME. THIS IS NOT FAIR AT ALL. IT IS VERY DEMEANING. OTHERWISE, I MAY HAVE TO TAKE LEGAL ACTION ON YOU.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (RI)

This complaint is based on violations of the FDCPA and the FCRA by EOS CCA ( EOS ). 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by EOS regarding a phone bill. I only just discovered the account from my credit report. EOS never sent me a letter with a notice that I had a right to dispute the debt. 

___ On XX/XX/XXXX, I disputed the debt with EOS by certified mail. 

XXXX EOS did not respond to my letter and did not validate the debt. 

XXXX In my letter, I gave EOS notice that I will also dispute the account with the credit bureaus. According to federal court decisions, if a debt collector verifies an account to a credit bureau before validating the debt, that is a violation of the FDCPA for failing to cease collection of the debt. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ) [ emphasis added ]. 

___ On XX/XX/XXXX, I disputed the unverified account with the credit bureaus. 

___ On XX/XX/XXXX and XX/XX/XXXX, the credit bureaus sent me the results of the re-investigations. EOS failed to cease collection of the debt because they falsely verified the unverified debt to the credit bureaus. 

___ Also according to federal court decisions, the failure of EOS to provide account-level documentation to validate the debt means that they had no such materials to rely on when they verified the account to the credit bureaus. Here is case law on this as well A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

XXXX Based on the aforementioned facts, EOS violated the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the disputed and unverified debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. 

XXXX DAMAGES : I was denied credit due to the unverified collection account that EOS wrongfully verified to the credit bureaus. 

XXXX RECOURSE : I spoke with a consumer lawyer about filing a complaint with the CFPB. He explained how to structure my complaint, and to contact him if my CFPB complaint does not resolve this matter.
Consumer complaint received 2022-09-11
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. (NY)

In accordance with the fair Credit Reporting act XXXX Acount # 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 a consumer reporting aenc can not fumish an account with out my written instructions
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (AZ)

I was NEVER given a Deposit Account Agreement during account opening. The Deposit Account Agreement was never gone over with me. The Banker said the XXXX branch ran out and they needed to borrow some from the neighboring branch. US Bank doesnt give out account deposit agreements during account opening. US Bank please show me proof that I received one? Also please show me proof it was gone over in full to understand my rights? Yes I signed for a new account but not acknowledging what I received? US Bank just recently sent me one via email for the first time once US Bank committed a federal regulation error.
Consumer complaint received 2020-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

I contacted First Collection Resolution and was transferred to Mr. XXXX ; he advised me of additional debts that are under my sons name. 

I advised him with springing this on me I was only prepared to settle the debts in my name reporting on my credit. 

I asked to speak to his manager several times and he said NO. He was very rude and insulting. 

I asked for payment of my debts the ones I inquired about on my credit be removed with payment. 

He stated he and his boss linked my accounts and only as a 1 time courtesy only if I paid the {$860.00} they would do it- I advised I was only prepared to pay the {$340.00} today and would make payments on the other debt however I need a letter regarding that amount and if I truly owed it. 

He began to raise his voice and tell me I only wanted a manager because I wasnt getting g my way and they had never spoken to me. 

He informed me of additional bills of {$66.00} again I was not aware of however told him I could take care of that bill however the {$450.00}. I would need to make payments if the debt was mine. 

I asked for a manager and his manager he said the operations manager doesnt take these types of calls and that I could email if I wanted to again refusing me the opportunity to speak with his manager.
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E Mortgage (PA)

Complaint is that we felt forced to use a company that rented space in a realtor 's office if we were going to buy from them. I know it is not compliant as the realtor just collects a flat fee from the lender and then expects the client to use them. It was very shady at best. We were looking to buy a home in XXXX and the realtor XXXX XXXX made us use EMortgage to get our loan.