davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc (MO)

account opened XX/XX/2022. Called them and asked for the contract/documents with my signature to verify the debt. Said I would be happy to pay ONCE it is verified that it is indeed accurate and valid. Nothing was ever emailed over and they record calls so all this is recorded. In the letter it states 'Call or write to us by XX/XX/2022, to dispute all or part of the debt ' 'If you write by XX/XX/2022, we must stop collection until we send you that information. ' This was not followed as I called prior to that date and all this is recorded. Since no letter or document was provided within the window I need this removed from my all 3 credit bureaus then an updated credit report mailed to me. 

Account name CONSUMER COLLECTION MNGT Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$150.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a drop in my XXXX XXXX due to high utilization of my Capital One Quicksilver credit card as reported on XX/XX/2020 ; however, my balance was paid in full ( as is the case every month ) on XX/XX/2020. My credit card is due the XX/XX/XXXX of each month, payment is usually reflected on my credit report on the XX/XX/XXXX or XX/XX/XXXX each month. I do not understand why my account was reported earlier than the due date as I pay on-time each month.
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting act XXXX  Account 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 can not furnish a account without my written instructions
Consumer complaint received 2021-06-10
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-01-18
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. (NJ)

Hello, i recently check my credit via XXXX and notice that there were a few accounts on my credit profile that was done by fraud. I am a victim of identity theft. Ive reached out to the creditors regarding this advise me to reach out to the credit bureaus. I've sent mails via USPS certified back on XX/XX/2020 and i called a week ago and they told me they didn't received anything. I think this is some type of stall because the tracking number said delivered. These accounts are not mine. I have attached the FTC report and my driver license below
Consumer complaint received 2022-07-01
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. (FL)

XXXX flagged my account as 30 Days Past Due on XX/XX/2022 after the company transferred to a new bank I received information for the account they established with the new bank. I have no statements and no access to statements on the website. The website was showing no balance due and the account closed each time I logged on to pay. Customer service is only via email and automated in nature, unable to address my concerns. My payment history will show that I have NEVER been late and I often pay, more than the minimum payment due. 

My credit score dropped by XXXX points due to the late payment and I am now unable to refinance my home which will adversely impact my family for years to come.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (NC)

The following inquries i did not authorized. I tried disputing twice and they saying i did it. 




XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX , personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-11-18
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. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/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 XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2020-11-18
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. (OH)

This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! 

The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

The problem is. XXXX, Experian and XXXX are report inaccurate information on my credit report, which is affecting my ability to get approved a home. I have tried to fix this issue and have wrote them several times alerting this of the inaccurate and the violations that they are making to my credit report.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

XXXX fraudulent checks in the amount of over {$4000.00} were honored on personal checking account bringing balance down to a minus. 
It has been XXXX days with no response from the banks fraud department except for XXXX check being reversed on day XXXX of complaint. 

My check to pay a credit card bill was not honored causing me to be charged interest. 
Unable to pay bills timely due to direct deposit of retirement income was eaten up still leaving a negative balance.
Consumer complaint received 2021-02-02
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. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-02-15
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. (MI)

I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. They are in violation of 15 USC 1681a ( 2 ) ( b ). As you may know, this law prohibits or excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As a result of the credit reporting agencies not abiding by the laws that empower the consumer, I have been constantly denied credit. Thank you for your manners in addressing my dire situation.
Consumer complaint received 2022-09-27
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. (PA)

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 # 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 can not furnish a account without my written instructions
Consumer complaint received 2020-11-25
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: Harvard Collections, LLC (FL)

On XX/XX/2020, HARVARD COLLECTION SERV add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA HARVARD COLLECTION SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-27
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
items : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; US DEPARTMENT OF EDU XXXX Balance {$5100.00} ; US DEPARTMENT OF EDU XXXX Balance {$3100.00}.
Consumer complaint received 2022-05-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC (FL)

I wrote to XXXX XXXX  in regards to an alledged charge off debt observed on my credit report and I got a response from Northstar Location Services , LLc with an invoice with incorrect and confusing information. 
High balance of {$9500.00} and a monthly payment of {$19000.00}. how can the monthly payment be higher than the high balance. they have the date last paid as XX/XX/16, charged off the account on XX/XX/16 yet they said i was 90 days late. how did they get 90 days between XX/XX/16 and XX/XX/16. they record the number of payment remaining as 1 while their term according to the invoice is 72 months and according to their invoice a few months payment was made on the account. There is a confusing payment history that i cant understand or explain but i will upload the document so it can be viewed. they provided all three credit bureau with different information therefore the account has been re aged on two of the bureaus which is a violation of my rights as everything on the credit report should be 100 % accurate. 
all these errors have been hurting my scores for years aslo hurting my ability to get a loan or move forward with my life. this account is outside the statue of limitation. 
15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; ( Northstar Location Services , LLc ) violated my rights in this regards. 
both XXXX and XXXX have violated me.
Consumer complaint received 2022-04-06
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. (FL)

In accordance with the Fair Credit Reporting act- XXXX XXXXXXXX and XXXX XXXXXXXX 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
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-11-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (IL)

I received my first notice today, XX/XX/XXXX and received a mysterious invoice requesting a wire transfer to XXXX XXXX for the amount of {$25000.00}. This invoice was sent by Sequoia Financial Services with address : XXXX XXXX XXXX XXXX XXXX, and located in XXXX XXXX California. This invoice included a Client : XXXX XXXX XXXX XXXX XXXX, Date of Loss : XX/XX/XXXX, File No. : XXXX, and XXXX XXXX : {$250000.00}. Additionally, this invoice indicated that this was the " Third notice '' that I have received of this " debt owed '', when it is the first time I have ever received a notice from this company. Upon further reading, the invoice letter stated that I have ( 20 ) days to pay this debt. The letter was signed by a XXXX XXXX, Account representative with phone extension XXXX. At the bottom of the letter, there are 2 options to pay via XXXX XXXX or by directly writing in a valid credit card account number with expiration date, and a signature line. Sequoia Financial Services is not XXXX XXXX Accredited and have had 16 complaints filed against them within the past 3 years. I am reporting this now because other users have claimed that their credit was affected by this scam company, as they fraudulently reported false debt owed to XXXX and XXXX and I want to be proactive with this to ensure my credit is protected from false negative marks by Sequoia FInancial Services. 

Additional information. I was previously contacted by a credible debt collector for XXXX XXXX involving a collision I was involved in and have since been placed on a payment plan to resolve this debt, of which, did not total to {$25000.00} in damages. Thus, this letter strikes me as fraud because the debt to XXXX XXXX  is already being accounted for and consolidated on a monthly basis.
Consumer complaint received 2020-11-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

My mortgage company has my home listed as having {$120000.00} value. I have paid my loan down below the {$93000.00} or 78 % of my loan to value. I have paid it down to {$91000.00}. I have requested explanation multiple times and am consistently told that I havent paid it down below the 78 % mark. I have asked for an a plantation of how they are calculating that and have today been told that instead of using the value of the house they are using the original purchase prize of the house. I am a savvy shopper and purchased a home for less than market value. I am now being penalized for being a savvy shopper as they refuse to remove the PMI because they are not using the loan to the value of the house that they have on their records but instead the price I was able to purchase it for. Which is not even the same as the amount I borrowed as I payed it down some so that I would borrow less in the beginning.
Consumer complaint received 2022-02-15
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. (GA)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-15
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. (MN)

I have submitted multiple disputes through the MYEQUIFAX.COM website for removal of the following inquiries. Their investigation are incomplete. I am was never furnished proof that the inquiries belonged to me. Equifax failed to complete a full investigation Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I )