davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXX, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.
Consumer complaint received 2022-08-22
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)

I called for my XXXX XXXX XXXX credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called XXXX XXXX today morning. When wanted to talk to the supervisor, the call was deliberately dropped.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (AZ)

I was a XXXX customer for over 5 years when I decided to switch to another carrier ( approximately XXXX of XXXX ). When I switched, I *believe* XXXX continued to bill me ; therefore, I called their customer service number ( early XXXX of XXXX ) to receive an accounting. XXXX informed me that they could not give me an accounting because they could not access my account. They stated that they could no longer use my phone number to look up the information. I went to the XXXX store in XXXX, Arizona but they could not look up my information either. I informed XXXX that I would not pay their bill until I had an accounting, which I have never received. I have spent more than a few hours trying to obtain this information. 

I discovered recently that my XXXX XXXX dropped from XXXX to the low 600 's because of the XXXX dispute. I, therefore, called them again on XX/XX/XXXX to inquire about the amount of the bill and to ask that they reverse all damaging reports to my credit related to this matter. The collection arm of XXXX informed me that they would send documentation in the mail but I have not received this information. 

The amount that XXXX is attempting to collect is {$170.00} but what concerns me most is the damage to my credit which is nearly perfect. XXXX has made a few offers to settle but has still not provided an accounting nor will they promise to expunge my credit damages. 

Finally, I wonder if XXXX has a pattern of this practice. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McMichael Taylor Gray LLC (FL)

On XX/XX/XXXX a judgment against the consumer myself was made without recognition of me bringing the fax to the table and the violation of my rights under the fdcpa the harassment and unfair debt collection practices that Michael Taylor Gray LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX has made against me has caused great harm damage and injury to my privacy and is a violation of my rights as a consumer On XX/XX/2023 I sent the company McMichael Taylor Gray LLC and the courthouse a cease and desist under usc 15 1692 which was not recognized by the debt collector or the court I also sent in a billing dispute affidavit of fact a affidavit of rescission a conditional acceptance a 1099 a and a 1099 b with everything certified mail and notarized all of them being certified informing the debt collector and the court as a natural person I know my rights under the fdcpa which was not recognized and has caused me great harm damage and injury to my personal well-being with all of these disputes the companies at hand did not answer any of my questions which pertain to USC 15 1692g ( a ) the amount of the debt the name of the creditor to whom the debt is old the validity of the debt verification of the debt and name and address of the original creditor none of the information that I asked of the company McMichael Taylor Gray LLC was answered in a lawful fashion and was not there for original transaction
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

I'm submitting this complaint in regards to multiple delays in trying to remove my PMI with PHH mortgage. I calculated that I should qualify for PMI removal during my XX/XX/XXXX payment and called the company around XXXX XXXX requesting removal. The agent said they would send a letter in the mail with my eligibility and next steps. I waited about 13 days and then contacted the company again by email to see that status ( XX/XX/XXXX ). I received no response. The next day ( XX/XX/XXXX ) I contacted the company by phone and the agent said the request was still 'processing ' and to call back if I hadn't received anything in a couple of weeks. I called back today ( XX/XX/XXXX ) and the agent said there wasn't a request in for the PMI removal and it would be another 7-10 business days before they could start the process. The delay on their end is going to cost me at least {$110.00} and the company also said a new appraisal would be required to remove the PMI, even though my payments have been in good standing and we got an appraisal about a year ago.

I feel like PHH mortgage is putting up hurdles for removing PMI, in order to make more money off of me.
Consumer complaint received 2023-05-11
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. (AL)

Around XX/XX/2022, I called enhanced recovery system to inquired about the inaccurate reporting of a debt from WOW. I explain to them that the debt wasn't mines because I never had service with them moreover I was XXXX during the time. I have attached a letter to prove that I was incarcerated during the time this account was opened. Instead they ignore me.
Consumer complaint received 2022-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (ID)

On XX/XX/XXXX, I received a debt collection notice from National Credit Systems ( NCS ) in XXXX, GA. I contacted them explaining that this was not a debt I incurred and is probably identity theft. They instructed me to contact the company that issued the debt. I spoke with the XXXX XXXX XXXX Apartments Assistant Manager who helped me understand what was going on. She believes it was identity theft as well, and said she would contact her person with NCS. She said they would get in touch with me. She sent an email to a XXXX XXXX XXXX with the company on XX/XX/XXXX. 

I would continue to not receive any correspondence from the company between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, a voicemail was left from an Idaho town of XXXX residents. This call would be from XXXX from XXXX. I called them to discuss the debt and they informed me they spoof their numbers because " nobody picks up XXXX numbers ''. I had received another debt collection notice from XXXX on XX/XX/XXXX and left a voicemail with a mister XXXX XXXX who was on the collection notice. 

I am writing this complaint because I had been called XXXX times from this debt collection agency using a spoofed number in the month of XXXX. No voicemail was left identifying themself as an attempt to discuss the debt I have fraudulently been assigned until XX/XX/XXXX. They have then moved to place a collections notice on XX/XX/XXXX on my credit file while I have repeatedly claimed that the debt was incurred under fraud. They had never informed me of my rights to dispute the debt even when I repeatedly claimed identity theft both in writing and over the phone. The collection letters do not disclose I have a right to dispute the debt. They officially instructed me on what I must do to dispute the debt on XX/XX/XXXX when they left the voicemail. 

Between not informing me of my rights, using a spoofed phone number to contact me, and not taking my claims of identity theft seriously, I am writing this complaint.
Consumer complaint received 2022-04-24
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. (GA)

Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I say this because...

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

Also...

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
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, Reference # 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
Consumer complaint received 2022-04-24
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Called and disputed these inquiries online on my transunion credit report several times. I have had success getting these removed from my other credit reporting agencies but for some reason transunion will not work with me at all I dont know what else to do at this point this is hurting me and my credit. These are the inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/22, and XXXX XXXX. I did not authorize or approve these in at or have any use for them.
Consumer complaint received 2022-04-24
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. (CA)

I have submitted multiple letters to XXXX and three Bureaus requesting the account listed below reported not only fraudulent but in multiple violations ..... 

XXXX XXXX # XXXX 15USC 1681 SECTION 602A states I have the right to Privacy 15USC 1681 SECTION 604A section 2 ... states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (GA)

On XXXX my Victoria secret cards was accessed by a fraud person and they bought XXXX worth of product and had it shipped to Hawaii. I live in ga. I called Victoria secreXXXX who told me to call commity bank who owned the cc accounts. Commity bank and vs dont talk to each others and there system are not linked. I was bounced around and was finally told the fraud charge would be looked into and a complaint would be filed. XX/XX/15 I received a letter stating I closed my card which I did but I owes the money from The fraud charge. I called and waited on hold fo find out that they have a new system And can not access my account or any of my information! I was told to keep calling back every few weeks. How can a cc company not have a system thats works
Consumer complaint received 2024-10-10
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Dobberstein Law Firm, LLC (TN)

XXXX XXXX 2024 bank levy on my bank account amount of {$4000.00}. And when I try to contact the debt collector to negotiate or some kind of agreement, no one answers the phone or returns my phone calls.
Consumer complaint received 2022-04-24
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXXXXXX XXXX # XXXX ... .has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  # XXXX ... has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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 2022-04-24
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. (GA)

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 XXXXXXXX Account # XXXX, has violated my rights. 
-XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-04-24
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: CITIBANK, N.A. (DE)

THESE ACCOUNTS AND ADDRESSES NEED TO BE DELETED AND REMOVED UNDER THE FCRA 15 USC 1692. I HAVE NO KNOWLEDGE OF THE REPORTED ADDRESSES NOR ACCOUNTS PLEASE DELETE AND REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT I AM NOT ABLE TO OBTAIN ANY CREDIT IN MY NAME BECAUSE OF THIS MANNER. MY ONLY ADDRESS I HAVE CONTACT WITH IS XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. PLEASE REMOVE AND STOP REPORTING ALL INCORRECT INFORMATION I HAVE DISCLOSED IN MY LETTER
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Amount {$700.00}, 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
Consumer complaint received 2022-08-26
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. (MO)

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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. (NY)

In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-08-23
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. (UT)

In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

FXXXX XXXX XXXX  - Account # XXXX Late Payment reporting on XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX U.S.C 1681B - Permissable Purposes 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 : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( XXXX ). States a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2022-07-10
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. (MI)

This is not sent by error, I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am seeing information on my credit report that is not 100 % accurate. I have called several times and I am unable to speak with a live person, The call will eventually hang up. I am also unable to submit online disputes. Once I try to start a dispute, it will display the message " we're unable to complete your request online ''.