davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX Disputed inaccurate late payments with Transunion for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 30 days late ) *XXXX acct XXXX $ XXXX ) XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( XXXX late ), XXXX ( XXXX late ), XX/XX/XXXX ( 30 days late ), XXXX ( 30 days late ) & XXXX ( XXXX late ) XXXX acct ( {$4200.00} XXXX ) XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( 60days late ), XXXX ( 60days late ). I did not receive an update in regards to the results of the dispute nor did I receive information on how they obtained or verified it. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with XXXX, Transunion, & XXXX I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of XXXX & etc.
Consumer complaint received 2023-03-06
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. (PA)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WI)

This debt was for lab services at XXXX XXXX. I disputed the amount owed as I was charged a consultation fee along with lab fees. I did not receive a consultation fee nor did one get ordered by my physician. I refused to pay the amount charged of {$100.00}. The debt was then handed to a debt Collector, XXXX XXXX XXXX in XXXX of XXXX. On XX/XX/XXXX I filed a dispute and sent over supporting documentation to XXXX. I then contacted XXXX over the course of the next 7 months and was told my collection account was still under dispute and XXXX XXXX will not return any calls to the debt collector. I than heard nothing more for over 4 months assuming XXXX still did not respond. I than received a collection notice from another debt collection agency, Credit Collection Services. ( CCS ). First notice dated XX/XX/XXXX. I called CCS on XX/XX/XXXX and advised this debt was still in dispute with XXXX and was never resolved and gave specific details. I advised CCS I do not owe the entire amount of {$100.00} and will pay only what I do owe. I will pay either {$55.00} or {$47.00}, but not both. Supporting documentation attached to this complaint. This is now in violation of FDCPA as the debt is and has been in dispute and now collection attempts have taken place.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX, I was notified by XXXX that a dormant credit card had recently been reactivated. A XXXX XXXXComenity card with my name, but a different address was used to make a purchase of {$5900.00} on XX/XX/XXXX. I have a XXXX XXXX card that has not been used since XX/XX/XXXX. My credit report now has this fraudulent charge and address on it. On XX/XX/XXXX, I contacted XXXX XXXX/Comenity and XXXX to report the fraud on my credit report.
Consumer complaint received 2023-01-11
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. (FL)

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

THIS ACCOUNT HAS BEEN CLOSED & CHARGEDOFF FOR MONTHS NOW AND YOUR COMPANY STILL REPORTS THIS AS CURRENT WHICH IS NOT ONLY FALSE BUT IS ILLEGAL AND VIOLATES MULTIPLE RIGHTS UNDER FCRA. LISTED BELOW IS FCRA SS XXXX EQUIFAX IS GOVERN BY THESE LAWS AND THIS ACCOUNT VIOLATES MULTIPLE LAWS & CONSUMER RIGHTS LISTED BELOW. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

I received letter from Carrington mortgage I was denied. They said I was not unemployed and I was. I can prove my unemployment. If they would had allowed me make payment month XXXX I would not owe XXXX been paying some kind payment. On previous case said I made XXXX a month that incorrect. I make XXXX hour plus over time. I know sent Carrington a bank I sent in had unemployment funds on it.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Around XX/XX/2019, I went into XXXX XXXX XXXX XXXX and signed a paper to release myself off the lease due to separation from my husband and I. I signed a document and was told that I would be removed now they are charging me a debt collection for a broken lease.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been with Capital one for almost 5 years plus. I have credit cards from all major banks in USA like XXXX XXXX, XXXX XXXX, XXXX XXXX  etc. Max credit limit of {$36000.00} in one single credit card and all others are in the range of $ XXXX {$20000.00} with a total limit of $ XXXX. My credit score is mostly in the very good range, never missed any payments. 

The problem is the system of Capital one for credit limit increases, My limit is {$600.00}, and doesn't matter what you do they don't increase it. I am not asking to give me max credit but a reasonable limit is expected. They had a usage issue which I did mitigate now the rejection pretty much has no explainable reason.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-07
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)

I sent a letter on XX/XX/XXXX, to remove these suspicious items : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XX/XX/XXXX the listed items are UNKNOWN to me. you are required to remove/block any accounts or information not later than 4 business days Ive already included this in my previous complaint & I am including it again.,
Consumer complaint received 2023-01-11
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: NCB Management Services Inc. (FL)

15 U.S. CODE 6801. PROTECTION OF NONPUBLIC PERSONAL INFORMATION.I have NEVER GAVE NCB XXXX XXXX EXPRESSED WRITEN PERMISSION TO COLLECT AND SHARE MY DATA, AND UNDER FALSE PRETENSES. DUE TO THE INFRINGEMENT AND BREACH OF MY RIGHT OT PRIVACY AND TO BE SAFE WITHIN MY PAPERS ACCORINDING TOTHE FOURTH AMENDMENT. THERE IS NO PERMISSIBLE PURPOSE PURSUANT TO 15 USC 1681, MY NON PUBLIC PERSONAL INFORMATION IS NOT TO BE SHARED BY XXXX ALSO AS A THRID PARTY AFFILIATE. ANY INFORMATION OBTAINED AND WITHOUT MY AUTHORIZATION MUST BE DELETED OR BLOCKED. THE OBLIGATION HAS BE RELIEVED. CEASE AND DESIST ALL MEANS OF COLLECTIONS OF A DEBT. THE SELLING OF MY DATA FROM NCB MANAGEMENT TO XXXX IS AGGREGATED ID THEFT OVERALL. ANY INFO REPORTING FROM NCB IS TO BLOCKED AND REMOVED PURSUANT TO FCRA, FDCPA AND FEDERAL LAW STATES HEREIN.15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Consumer complaint received 2023-01-11
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. (IL)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, Account name : 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 2023-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, Account name : 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 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

On XX/XX/2023, I received a credit monitoring alert from XXXX indicating debt collection from PROCOLLECT , INC . Their details indicate collection from XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX with service address XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. The account # with collection agency is XXXX. The account # with energy company is XXXX. This is a case of identity theft. I have never been to XXXX, TX and do not know XXXX XXXX. I need this report in order to proceed with a dispute with the collection agency and the energy company.
Consumer complaint received 2023-03-03
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance
Consumer complaint received 2020-12-17
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. (FL)

Today, XX/XX/XXXX of XXXX, when I am reviewing my Experian Credit Report I found an open account from " XXXX XXXX XXXX '' for the amount of {$2500.00} that was updated on XXXX XX/XX/XXXX into my Experian 's credit report. 
I don't know nothing about this account and this account do not belong to me, also why Experian allowed that this company ( as per XXXX " XXXX XXXX XXXX  stands for XXXX Companies XXXX through XXXX XXXX '' ) posted this debt on my credit report. 
Experian works to support this kind of illegal / fraud scheme instead of protect our credit information, this fraud does not appear on the other company like XXXX and XXXX. 
This is not the 1st time I have problems with Experience, last year they did a mistake and after I placed a complaint in this site, they finally resolved the issue without any consequences. 
I need facts that this CC belong to me! 
Thanks
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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: Nav Technologies, Inc. (NY)

XXXX XXXX & XXXX, Please cease and desist collecting and reporting information on my consumer credit profile. 
I am requesting a XXXX XXXX on my consumer data file maintained by XXXX. 
Do not release my consumer data file or any information derived from it to any third party of affiliate. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.