davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (CA)

I contacted the company that was reporting {$120.00} debt on my credit report which is XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX they reported on XX/XX/2022. They said they no longer have my file and law office of Cobb does. At ( XXXX ) XXXX I talked to 2 ladies both hung up on me after stating I dont owe a debt and never have. The last lady name is XXXX. Cant remember the first one. They do have my file. Getting hung up on and not getting any help, I then contact the actual company they are stating I owe. I spoke with XXXX XXXX from XXXX she filed a dispute with them ( Case number XXXX ) Because I Owe XXXX balance! So I put XXXX XXXX from XXXX on 3 way with Cobb again on XX/XX/2022. XXXX confirmed I do not owe the company and there is a mistake. Cobb then took no responsibility in fixing anything and told us both to contact XXXX. I told her why when they dont have my file anymore and said contact you and your previous rep said you do have my debt file! She hung up on the 3 way call ( the day Im suppose to close on a property ) Now as XX/XX/2022 I called XXXX again and they said the same thing they cant do anything and to call Cobb! I did call them again saying I have a dispute number from the company youre representing as debt owed and I dont have a debt please fix this ; please get this removed from my credit report! My credit score was in the XXXX it dropped XXXX points and I found out on the day I was closing on a home! This has caused me so much pain and anguish and I never had the debt to begin with. Law offices of Cobb are extremely rude, and incompetent and should not be allowed to handle debt cases. This ruins peoples livelihood and lives. I do not have debts so this is really hindering my life. Traumatized is the least I can describe!
Consumer complaint received 2022-07-03
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)

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 has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX & XXXX has violated my rights. 

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. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-03
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 a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXXXXXX 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
Consumer complaint received 2022-07-26
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. (NC)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX  XXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDNELNET XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX/XXXX  XXXX Balance : {$380.00} ; XXXX XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX )
Consumer complaint received 2022-07-03
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 the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my rights.

15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

My XXXX XXXX credit card statement was mailed on XX/XX/2022, and received at my home on XX/XX/2022. The statement indicated a balance within my authorized limit which I desire to completely pay off to avoid interest charges. The due date to make the payment is XX/XX/2022. I usually conduct a telephonic transaction to pay the credit card bill by authorizing a direct debit from my bank account. I have done this successfully for over the past twelve months with no complications. I have been trying to make the payment telephonically for the past week, but the payment was not processed successfully. The recording stated that a problem prevented the process from be performed and that I would be transferred to a customer service representative for an additional {$9.00} fee, but anothers recording stated no customer service personnel were available and I should call back later. I have also tried to contact Commenity Bank directly, but he a separate recording repeats the statement to call back later, then immediately disconnects. I am concerned that the Commenity Bank is preventing payments from being processed to impose higher credit fees or to force customers to use a customer service representative which requires an additional {$9.00} fee.
Consumer complaint received 2020-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

XX/XX/XXXX & XXXX, XXXX I had " Cancelled '' the loan in question due to many, many errors regarding the loan within the 3 day period and was acknowledge by XXXX XXXX  XXXX in writing per the attached documents dated, XX/XX/XXXX & XX/XX/XXXX, requesting us to sign new loan documents. HSBC Mortgage Services, XXXX XXXX XXXX and now XXXX XXXX documents are back dated ; altered ; wrong loan numbers ; XXXX illegally signed by Notary ; Adjustable Rate Note page XXXX has "? " ; Good Faith Estimate was for a VA Loan for XXXX years NOT a first and second ; reasons why I cancelled. 

See attached XXXX and Error Resolution Notice Under 12 C.F.R. 1024.34, dated XX/XX/XXXX and XXXX XXXX XXXX dated, XX/XX/XXXX, and as of today 's date NO response from either XXXX XXXX or XXXX XXXX with the XXXX  days per RESPA. 

XXXX - Tried to refinance with XXXX XXXX XXXX XXXX and like the previous years could not get pass the Title / Deed XXXX - Tried to refinance with XXXX XXXX XXXX and like previous years could not get pass the Title / Deed process. 

So how can XXXX XXXX Foreclose on a Title / Deed that is illegal? 

The Government has fined each one of these servicing companies for violations that are still going on : HSBC : US District Court for the District of Columbia XXXX XXXX No. XXXX XXXX XXXX XXXX : US District Court Eastern District of New York XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX CFPB Administrative Proceeding XXXX No. XXXX The following are CFPB Complaints : HSBC - XX/XX/XXXX : XXXX XXXX XXXX XXXX- XX/XX/XXXX : XXXX XXXX XXXX - XXXX : XXXX & XXXX
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (DE)

There was a fraud charge in XXXX that I disputed within the XXXX statement cycle required time. The disputed charge was refunded but no fees have been and it continues to be reported late. I have called XXXX times to have this fixed and have not received any call back. The card is with avant. I have been told that I would get a call back and have only received calls about the balance due. I would like to have the fees refunded, my credit report updated and the account closed.
Consumer complaint received 2022-07-03
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: CITIBANK, N.A. (FL)

My complaint is about CITI BANK CBNA and XXXX Credit Bureau. I noticed XXXX unauthorized inquiries on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX and XX/XX/XXXX because I did not apply for credit with CITI BANK CBNA. 
Please launch an investigation into CITI BANK CBNA inquires to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI BANK CBNA is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-12-13
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: Possible Financial Inc (OH)

Per my most recent credit report ( XX/XX/2022) shows a charge of for a company POSSIBLE FINANCE, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Consumer complaint received 2022-07-03
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. (FL)

My complaint is about XXXX and Experian Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2022 Because I did not apply for credit with XXXX. 
Please launch an investigation into XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 u.s.c 1681 section 602 a. states i have the right to privacy.

15 u.s.c 1661 section 604 a section 2 : it also states a consumer reporting agency can not furnish account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here is my cerified tracking number
Consumer complaint received 2022-07-03
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. (FL)

My complaint is about XXXX BANK XXXX and Experian Credit Bureau. I noticed XXXX unauthorized inquiries on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX and XX/XX/XXXX because I did not apply for credit with XXXX BANK XXXX. 
Please launch an investigation into XXXX BANK XXXX inquires to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX BANK XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I disputed XXXXXXXX XXXX DELAWARE on Experian and after XXXX weeks they did not correct and it said investigation was done nothing was changed it then I called them on XX/XX/XXXX and they said they would correct it but they didn't. it's XXXX XXXX DELAWARE it's showing it was Charge-off but showing Past due amount {$1100.00}
Consumer complaint received 2021-01-21
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. (NY)

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. 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. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CHXXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.
Consumer complaint received 2022-07-03
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. (AZ)

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 Account # XXXX Has violated my rights. 

XXXX XXXX XXXX # XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-07-03
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. (AZ)

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 Account # XXXX Has violated my rights. 

XXXX XXXX XXXX # XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My wallet was stolen which contained my Drivers License, Social Security card, and debit/credit cards. I have noticed over the years a few fraudulent accounts have been opened up in my name and are reflecting on my credit report. XXXX XXXX opened XX/XX/XXXX with a balance of XXXX dollars is a fraudulent account resulting in debt owed to me for a loan I have never obtained as well as XXXX XXXX XXXX opened XX/XX/XXXX with a balance of XXXX dollars that is also a fraudulent account resulting in debt owed. I need these removed promptly! Please review these account and remove them as soon as possible as these are fraudulent. Thank you!
Consumer complaint received 2022-05-01
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, LLC # 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 an account without my written instructions