davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXX XXXX Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$100.00} Open- XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 2022-09-23
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: CAINE & WEINER COMPANY, INC. (TN)

I canceled my insurance policy online early bc my car was no longer in commission. The website was down and so I called to verify it was canceled a few days later. The representative adjusted the cancelation to be prior to the bill due date due to the website issues and assured me I owed no further amount due. Now my credit score has decreased by XXXX POINTS for this unfair practice without ever receiving any collections attempts or so much as a phone call from XXXX. I have worked so hard to restore my credit from the XXXX for this non sense to erase at least a year of hard work and sheer determination to do better!
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

XXXX XXXX who works for Kinum IncXXXX and has claimed other company names, has called to collect a debt exceeding $ XXXX that he claims is owed by my Mother, who is a senior citizen with memory issues. He was rude, threatening, and spoke horribly to her resulting in severe anxiety and fear - HE WAS VERBALLY ABUSIVE TO HER. He then called me and had the same tone about a " debt '' that was never owed or delinquent, and has been resolved by the pharmaceutical company, XXXX XXXX XXXX ( contact VP XXXX XXXX - XXXX ) I'd like to file a complaint on all of the companies that XXXX claims to work for as well as XXXX himself. He states a various company names when he introduces himself : XXXX XXXX is the most recent : Kinum , Inc. ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, IN XXXX Kinum, Inc. ( XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Incomm Holdings Inc. (IL)

I received a VanillaGift.com card in XX/XX/XXXX in the amount of {$150.00}. In XX/XX/XXXX there were 2 fraudulent charges totaling {$120.00}. The purchases were in California. I live in Illinois. I disputed the charges as soon as I learned of them which was on XX/XX/XXXX. ( Case # XXXX XXXX ) I emailed the requested dispute form on XX/XX/XXXX and received email confirmation that it was received. The confirmation says the dispute will be resolved in 45-90 days. I've called the company every 30 days to check on the progress. It's now been 90 days. Every time I call the company they are unable to provide any update.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account XXXX have violated my rights
Consumer complaint received 2022-09-12
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. (CA)

Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about 5 minutes to complete that task but I have had to call Experian about 15-20 times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different information. 

**3rd request. Again they still have not unfrozen my account. The automated system is not correct and is stating its not frozen but anyone trying to pull my credit is advising differently.
Consumer complaint received 2022-09-23
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. (SC)

Inaccurate wrong and incorrect names wrong address and unconsented inquiries that are posted on my credit profile. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of XXXX XXXX XXXX makes the following findings : ( XXXX ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

The resolutions of what need to be I would like this removed from my credit profile it has caused me hardship and causing me to lose opportunity 's I would like this done at once 15 U.S. Code 1681b - Permissible purposes of consumer reports This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or The Bureau of Consumer Financial Protection ( Bureau ) is issuing this compliance bulletin and policy guidance ( Bulletin ) to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Acts prohibition on false, deceptive, or misleading representations or means in connection with the collection of any debt and unfair or unconscionable means to collect or attempt to collect any debt, and to remind consumer reporting agencies and information furnishers to comply with the Fair Credit Reporting Acts accuracy and dispute resolution requirements, including when collecting, furnishing information about, and reporting medical debts covered by the No Surprises Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-12
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)

I sent Transunion a notice that they are furnishing inaccurate and incorrect information regarding charged off accounts on my consumer report. 

Initially I contacted Transunion to verify the validity of the charged off accounts, I then read a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. To my understanding, income does not get reported on the consumer report and that makes the charged off accounts inaccurate. 

Title 15 USC 1681s-2 says that those financial institutions are a furnisher of information to a consumer reporting agency.

Pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), 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. 

Those companies are in fact PROHIBITED by law to furnish inaccurate information, but Transunion allowed them to do just that and caused me financial hardship. 

Furthermore, pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Both the companies and Transunion have been put on notice and they continue to be in violation of the FCRA by continuing to report the charged off accounts to my consumer report. 

Please see the attached letter.
Consumer complaint received 2022-06-06
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. (TX)

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  Accounts listed 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot 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 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Carrington Mortage bought my loan in XXXX of XXXX from XXXXXXXX XXXX, I found out about this around XXXX of XXXX. I spoke with XXXX XXXX and explained that I had been XXXX overseas since XX/XX/2022. I received an alert from XXXX XXXX that my mortgage had been reported as delinquent on XXXX XX/XX/2022 I contacted the Carrington mortgage company and spoke to an employee named XXXX ID # XXXX and explained to them that I had been making payments and I confirmed that the company had my documents showing I was military and was overseas on an XXXX XXXX XXXX and I had not received any notices of my payments being behind. I requested to speak to a supervisor and was transferred to a supervisor named XXXX ID # XXXX, the supervisor told me he would check with the reporting department and call back. XXXX XXXX XXXX called me back and explained to me that his company was well within the guidelines of reporting me due to the fact that my military documents were obtained by the previous loan company XXXX, he also stated that I had missed my XXXX payment and I was over 30 days delinquent. I have bank statements that show I made the following payments. XXXX payment was made after speaking with the supervisor to stop the company from sending additional delinquency notices. 
XXXX {$1800.00} XXXX - {$1400.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00}
Consumer complaint received 2022-10-23
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. (VA)

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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  Accounts listed 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot 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 2022-06-06
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. (TX)

Account # # # # # XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter of XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (MO)

My lease with US Bank, XXXX XXXX, ended in XX/XX/XXXX. I elected to purchase the vehicle. I purchased the vehicle in XX/XX/XXXX using a separate lender. Each year, I was invoiced for property taxes on the leased vehicle ( XXXX XXXX XXXX XXXX ) and each year, I promptly paid the property tax bill. The bill I paid on XX/XX/XXXX for property taxes paid by the lessor ( US Bank ) was in the amount of {$740.00}. After purchasing the vehicle, I began to receive harassing phone calls from US Bank claiming I owed the {$740.00} in property taxes. I have spent hours and hours on the phone with multiple employees of US Bank and here is what I have been told : ( 1 ) my XX/XX/XXXX was mis-coded by a US Bank employee ( 2 ) US Bank blindly pays all invoices and US Bank mistakenly paid my property taxes 2 times ( i.e. US Bank decided to pay the State of MIssouri for my property taxes twice, ( 3 ) US Bank believes I should pay them for their mistake of paying a property tax bill twice but not to worry because next year I will likely get reimbursed when they " go through their audits. '' These actions are so egregious I feel I have no choice but to seek resolution through the CFPB.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I am requesting the removal of a bankruptcy from my XXXX report, and Trans Union report. Per tge FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original Creditor, they must remove said information from the consumer credit file ''. 

Bankruptcy Case number # XXXX The County Recorder of Deed and Bankruptcy Courts have mailed me letter which stated thaty do NOT provide any nformation to credit reporting agencies, nor do they ever validate and/or confirm pubic records. Public records information is NEVER valiated by the Recorder of Dees nor the US COurt system due to the Fair Credit Reporting Agency Privacy Law. 

Per the Federal Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are require by federal law to verify through physical verfication of the original signed consumer contract and or judgemnt all accounts public information that you post on anyon 's credit report. As such, if this unauthorized pubic recored information is not deleted from my credit report within the next 30 days.
Consumer complaint received 2022-06-06
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: JPMORGAN CHASE & CO. (TX)

There are XXXX ( XXXX ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (TX)

Account XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

AND NOW ON THIS XXXX DAY OF XX/XX/2022, I, XXXX XXXX, consumer, wish for LVNV Funding LLC, Resurgent Capital Services L.PXXXX, Resurgent Receivables LLC to CEASE AND DESIST all communications through any mediums. THIS NOTICE SHALL NOT BE CONSTRUED FOR ANY REASON OR ANY PURPOSE AT ANY TIME BY ANY PERSON AND SHALL TAKE EFFECT IMMEDIATELY! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308