davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX, Equifax, and XXXX  all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

On XX/XX/2020 I submitted dispute letters prepared by my Paralegal according to the Fair Credit Reporting Act and requested in the letters the names of the individuals at XXXX  XXXX XXXX and Equifax to provide me with the information that they used to verify the accuracy of the disputed items published on my credit reports. I requested credit applications used to open these disputed accounts reported on my credit report is truly me. These Bureaus publish information taken from any creditor without first validation of the accuracy of the information published and have been doing this for years in violation of the FCRA and getting away with it just like police officers and their XXXX acts. I requested copies of updated credit reports, names if the individuals who verified these accounts application used to open the accounts and any pertinent information they claim identifies me as the individual who opened these accounts. We have a non profit group of individuals who are preparing the same letters to combat the frivolous fraudulent information published on individuals credit reports unverified for monetary gain from the credit bureaus. We are going public on the radio announcing what the credit bureaus are doing and offering FREE service to assist in disputing wrongful information on XXXX XXXX  credit reports with the intention of bringing a class action lawsuit against these agencies.
Consumer complaint received 2020-06-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

In XXXX we were contacted by our mortgage company New Rez to refinance our home. We applied with an agent named XXXX XXXX. He told us we would qualify for a FHA loan and all we would need to get started was an appraisal for {$500.00}. We paid for the appraisal and started our application. Shortly after the loan went to underwriting we were informed that it was denied. The reason for denial was that we did not qualify because we had not been in the home for an entire year. We were not told that this was a pre-requisite of the FHA loan and were reassured that we qualified. We contacted Mr. XXXX to ask for a refund on the appraisal since we could never have actually qualified. We were told that this was not refundable and could not be applied to our principle balance. I asked to speak with a supervisor several times and was informed that they were not available but that he would discuss this with them and get back with me. I have all of the email communication between Mr. XXXX and I regarding this incident.
Consumer complaint received 2020-06-22
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)

XXXX XXXX XXXX Original creditor : XXXX  {$240.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$240.00} {$240.00} Payment Info Original loan amount {$240.00} Balance {$240.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  {$490.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX all ftc violations
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (IL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc. (IL)

I XXXX XXXX sent U.S COLLECTIONS WEST, INC a letter of dispute demanding them to provide me concrete evidence of my obligation to the said account in my name I informed us collections west that I wasn't in dispute of the ownership of the account but if US COLLECTIONS WEST , INC was unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. I received letter XXXX and it had none of the information that i demanded be verified US COLLECTIONS WEST INC informed me that they previously sent me a letter validating their claim which i believe to be false, and if what US COLLECTIONS WEST, INC says is in truth I would like to get a copy of the paperwork that they claim they originally sent out regarding this account. Which i believe US COLLECTIONS INC is not operating in truth because this is my 1st time disputing via mail.If it comes that US COLLECTIONS is not operating in truth and good faith i demand the said account be deleted from all XXXX credit bureaus immediately. 


UCC 1-308 UCC 3-414 XXXX XXXX XXXX All inalienable rights reserved
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

XX/XX//22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 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 2020-05-29
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: JPMORGAN CHASE & CO. (FL)

on or aboutXX/XX/2020 there was an agreement with chase card service card # XXXX the agreement was if i pay XXXX that they would canceled the debt i flie a disput withall the agencie XXXX  report that there reivesigation was compeled XXXXyou find the reaslt as update and not remove from the pettition experian credit report file.. here is the fact once a cerditor cancel a debt or wrritten it off a debt. the debt is to be remove because you are not laible for the debt. when a creditor is unable to collect the debt from me they may cancel it or writer it off. which in fact that what chase card servcie did they charge the debt off.,. now you are no long liable to repay the debt, but iam still Laible for  to paying tax on that cancelled. chase card serivce can not have both way. they are going to writer the debt as a bad debt and report to the IRS. to get credit on there belance sheet at the end of the year. i would have to report that 1099-c on my persaonl income tax retrun 1040 at the end of the year.went i file. i mail XXXX  credit report agencie and all the credit agence of the agreement with a copy of check as evidence .chase cash the check. and the debt was cancel and that was for chase to remove or erase, from the credit flie because no long Liable. for the debt any more.. then XXXX  needed to remove it from the report.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I have an XXXX XXXX XXXX. For a long time, this card was administrated by XXXX XXXX XXXX. At some point, it appears that this card changed ownership and was now being administrated by the First National Bank of Omaha. At XXXX XXXXXXXX XXXX, I had autopay set on the credit card and did not miss payments. When this card was transferred to First National Bank of Omaha, this autopay information was eliminated, resulting in two missed payments. I did not receive a notice of this change of service providers and missing information or changes to my autopay from either XXXX XXXX XXXX or First National Bank of Omaha. The first outreach I received was third-party credit agencies hounding me for missing payments. After finally discovering the change and enrolling in an online account with First National Bank of Omaha, I called First National Bank of Omaha, and they admitted their mistake and removed the two late fees as a courtesy. However, they had already reported the missing payments to the credit reporting agency, resulting in a diminished credit score. I asked that they helped me remediate this situation by amending their reporting. They stated they were unable to do so.
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of XXXX XXXX. This is a formal letter that your claim is disputed. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-06-22
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. (CA)

Failure to take action on the Identity Theft Block request. 


NOTIFICATION OF IDENTITY THEFT & REQUEST TO BLOCK INFORMATION RESULTING FROM IDENTITY THEFT Dear Credit Bureau, This is to inform you that I am a victim of identity theft and pursuant to FCRA Section 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or address from appearing on a victims credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent company from continuing to collect debts that results from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) Block of information Resulting from Identity Theft, except as otherwise provided in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of- 1. Appropriate proof of identity of the consumer ; Legible copies of Drivers License, Social Security Card, and Utility Bill are provided 2. A copy of an Identity theft report ; Copy of the police Identity Theft incident Report is provided. 
3. The identification of such information by the consumer ; and A list of accounts opened by identity theft FTC identity Theft Affidavit and complaints are provided. 
4. A statement by the consumer that the information is not information relating to any transaction by the consumer. An identity Theft Victims Statement is provided. 

I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, address, inquires, and other information that you reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) and mail me a new credit report to my address of record below. 

Thank you
Consumer complaint received 2020-06-22
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)

XXXX XXXX XXXX Original creditor : XXXX  {$240.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$240.00} {$240.00} Payment Info Original loan amount {$240.00} Balance {$240.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  {$490.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX all ftc violations
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Dear, Experian & CPFB I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. And Proof of my Identification that was Used.

THIS IS THE 17TH TIME IM ASKING EXPERIAN TO CORRECT THIS ISSUE, THEY HAVE FAILED ME ALSO I HAVE FRUAD ALERT. NOT ONE PERSON CALLED ME TO VERIFY THESE ACCOUNTS BEFORE OPENNING. I BEEN OUT OF THE COUNTRY FROM XXXX. 
I HAVE BEEN FIGHTING THIS IN WRITING AND ONLINE FOR YEARS. I HAVE BEEN VIOLATED AND MY CREDIT RIGHTS HAVE BEEN VIOLATED. AND EXPERIEN WHO SUPPOSE TO PROTECT CLIENTS HAS FAILED ME AND MY ATTORNEY AND IS ONLY REPORTING A SCAM COMPANY AND ACCOUNT. 
THE OTHER CREDIT REPORTING COMPAINES SAW THIS WAS FRAUD AND REMOVED FROM MY CREDIT FILE MANY YEARS AGO, Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed 3x on my report XXXXXXXX XXXX XXXX XXXX XXXX} As proof of my identity, I have been sent to Experian 17 times of my birth certificate, Social Security card, passport, drivers license. 
ATTENTION EXPERIAN IS WELL PASSED THE 30 DAYS ITS BEEN OVER 4 MONTHS, AND THEY KEEP GIVING THESE COMPANIES EXTENTIONS. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Please do not share my Personal information or Identification with any company, those companies I have been fighting to prove my Innocence for many years. The following accounts was FRAUD when I was out of the country. 
I have been going back and forth with these companies for years, many of them have sold the accounts after it was proven many times it was Fraud. They Illegally sale the accounts and it starts all over again. 
Sincerely, name : XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX Hello, I have a Citi XXXX XXXX Advantage Executive mastercard, primary purpose is for travel benefits that include : Access to XXXX  & affiliated lounges in airports, free access for spouse/business partner to XXXX  & affiliated lounges, 1 free bag checked, international purchase preferred exchange rates & fees waived. 

I'm a 7 year customer, excellent credit and paid {$450.00} annual fee for this card in XX/XX/XXXX. 

Given the impacts of Covid starting in XXXX/XX/XX/XXXX - I'm not receiving any of the above benefits I paid {$450.00} for on this mastercard. XXXX  lounges have been closed which is the primary benefit of this card, airlines have reduced flight options, corporate travel has been locked down and personal travel is not recommended or very possible especially internationally given Covid. 

XX/XX/XXXX I called and requested Citi refund or prorate refund the {$450.00} fee I paid as they acknowledged on the call the benefits of the card are unavailable due to Covid. They refused only offering to provide a {$220.00} refund ON THE NEXT {$450.00} I would pay in XX/XX/XXXX. This is ridiculous, I paid a {$450.00} for benefits they are not providing and my fee should be refunded for the current card renewal term that I'm not receiving those benefits I paid for. I advised I would speak to my wife, but that this felt very unfair and improper as a business practice and that we may choose to cancel the card. 

XX/XX/XXXX this past Friday I called again escalating the issue and ultimately they said nothing more could be done and only offered the same option to provide a credit next year AFTER I paid an additional {$450.00} fee to renew the card again for XX/XX/XXXX-XX/XX/XXXX. I cancelled the card advising them we would not chose to ever do business with Citi again given how they are handling this matter. 

This is unacceptable in my mind, unfair and frankly a dubious business practice to not make an adjustment for the the {$450.00} I paid for benefits Im not receiving XXXX. 

Please help.I would expect a {$450.00} refund of the annual fee I paid given I'm not receiving any of the key benefits this " travel master card '' advertises or promotes due to Covid and XXXX XXXX which is out of my control. Thank you, XXXX