davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I had credit card account with Discover for almost 8 years. On XXXX XXXX XXXX.19 at XXXX I received email stated they closed my account. I guess its a XXXX XXXX from Discover. I completely paid off my credit card in XX/XX/2019, I had XXXX $ credit line on it. When I call them today to ask why did they close my account, rep stated well because your account was not really active we close it. I did explain to representative that I had tragedy in my family my Mom was XXXX, I went to XXXX with XXXX XXXX, one of the episodes XXXX XXXX XXXX XXXX, I lost most important person in the world! How can you do this to me. Plus I just had the XXXX on my XXXX, Im on XXXX. I was rely on this card to pay my bills. All what Discover representative said, well sorry but your account is closed. They absolutely not human! How they can act with the customers like that?! I just want all Discover customers to know that if you have a hardship Discover wont be there for you!
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

I have reached out to Credence Resource Manage because i noticed it was a charge on my credit I have no clue who these people are I asked for a list of documents .contract with my name and signature .full payment history .Name/Address of original creditor .Proof of ownership of debt I was told they don't have ownership they was collecting for someone else without sending me a notice or verifying proper documentation the supervisor verbally said they don't have ownership of this and the information was never sent out properly so I asked for it to be removed
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.
Consumer complaint received 2022-07-13
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)

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldn't be any late payments? Is XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX  has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was XXXX.
Consumer complaint received 2019-06-16
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 — Problem with personal statement of dispute
Company: Capio Partners, LLC (FL)

Reporting agency : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX, TX XXXX I obtained a copy of my credit report and notice XXXX XXXX are reporting two Medical debt on my credit file. 

In the amount of {$210.00} and {$230.00} for a debt I don't believe is my debt. I am requesting validations on these two debts placed on my credit file
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXXank account ending in XXXX settled showing unpaid. Case number XXXX settled for {$1500.00} as agreed.settled on XX/XX/2022 XXXX bank account numberXXXX settled in full for {$380.00} as agreed on XXXX XXXX
Consumer complaint received 2019-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AZ)

I filed a dispute with XXXX about National credit systems a 3rd party collection agency for landlords and it has turned into months and they still have not resolved the issue. I believe this is because it is a conflict of interest because XXXX connect does background checks for landlords. On the other hand I gave the same information to XXXX  and they were right on it and removed it from my credit report.
Consumer complaint received 2022-07-13
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: Synovus Bank (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days
Consumer complaint received 2024-09-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-10-14
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. (FL)

XX/XX/XXXX Subject : Formal Complaint Regarding Negative Mortgage Report and Disaster Relief Program Miscommunication Consumer Financial Protection Bureau To whom it may concern, I am writing to formally file a complaint regarding the negative reporting on my mortgage payments, which I believe is a result of miscommunication about a disaster relief program I was informed of by XXXX XXXX. I reside in a federally declared disaster zone and was assured by a representative that I qualified for a mortgage relief program designed to help customers like myself. 

Despite following the guidance provided and believing that my mortgage payments were either deferred or paused under this program, I was recently notified that negative reports regarding missed payments have been filed against my credit. This has caused significant distress and affected my financial standing. 

To summarize the events : - Around the beginning of XX/XX/XXXX, shortly after we suffered through Hurricane XXXX, I was informed by XXXX XXXX  that I was eligible for the disaster relief program. 
- I followed the instructions provided to enroll in this program. 
- However, around XX/XX/XXXX, I was notified that my mortgage account was reported delinquent, which contradicts the understanding I had of the programs terms. 

I am requesting that XXXX XXXX  promptly : 1. Remove any negative credit reporting that resulted from this misunderstanding.

2. Provide confirmation that my account is in good standing and that I remain enrolled in any applicable disaster relief programs.

3. Review the communication surrounding the program to ensure no further customers experience this issue. 

I have relevant documents, including communication from XXXX XXXX  or proof of disaster zone status that I can provide if necessary. I would appreciate a prompt resolution to this matter, as it is crucial for my credit and financial stability. 

Please respond to this complaint in writing within reasonable time frame, e.g., 10 business days to confirm the actions taken. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2022-07-13
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. (VA)

on XX/XX/2022 I sent off a certified letter to the bureaus stating to make sure my credit report was 100 % updated and make sure all info was correct. 

the credit bureaus stated account name and number was properly investigation but how is that possible if open dates is inaccurate the date last active inaccurate and date last reported is not accurate.this ground for removal.they also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report as well. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (NC)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXAcc # XXXX XXXXAcc # XXXXXXXX XXXX XXXXAcc # XXXXXXXX XXXXAcc # XXXXXXXX XXXXAcc # XXXXXXXX XXXX XXXX-Acc # XXXXXXXX XXXX XXXX-Acc # XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (CA)

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below XXXX XXXX  Last reported XX/XX/2022 {$4500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$4100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$2700.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$980.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$66.00} Open balance XXXX XXXX XXXX XXXX Original creditor 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( XXXX ) Reinvestigation required.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I do not know if I clicked on the correct description, I assume the Debt was mine but the remaining balance Past Due, is not mine .My Credit Report shows my CAPITAL ONE Account Closed XXXX XXXX, XXXX and paid .and " Charged Off ''. Credit Report shows at the time A Credit Line {$1900.00} ( XXXX, XXXX ) Balance in XXXX is now {$1900.00}. I do not have a Credit Line with XXXX XXXX .Payments to XXXX XXXX XXXX is {$20.00} a month. Stating on " Statements '' if Debt is not paid, " Attorney will be retained and I will be taken to court '' My XXXX Credit Report shows CAPITAL ONE DATE : XX/XX/XXXX STATUS : XX/XX/XXXX REPORTED : XX/XX/XXXX LAST REPORTED DATE : XX/XX/XXXX I would assume the Reported Date would be XX/XX/XXXX, XXXX years difference. ( Am I correct? ) Shows " Recent Balance '' $ XXXX XXXX XXXX. $ XXXX XXXX $ XXXX XXXX XXXX 
Credit Report XX/XX/XXXX 2022-PAYMENT HISTORY-No payments have been reported on this account. ( {$1900.00} XXXX XXXX XXXX ) If there is No payment History please explain the {$1900.00}? If my High Limit was {$2500.00} Highest Bal was {$2500.00}. Does that mean I only spent or made one payment of {$43.00}?? To difficult to come up to a conclusion.
Consumer complaint received 2022-07-13
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: Pacific Credit Exchange Corporation (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.