davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (CA)

I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I have been with Ditech as a mortgage service company for many years. Every month i pay my bills on time through my bank 's bill pay service. Beginning in XXXX Ditech stopped applying the payments to my account and began a constant harassment via mail and phone towards me for non payment on the account. I have gotten my banks bill pay department to supply all proof that the money was paid to Ditech for both XXXX and XXXX XXXX payment. I have called and talked to them at least 12 times in the last month and they always reply that they are researching to call back in 3 days. It has been 2 months now. This week i told them to either resolve the payment application to my account this week or i would initiate legal action against them.
Consumer complaint received 2022-10-04
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 submitted a letter to Experian and XXXX on XX/XX/22 to update this suspicious information. I think they have not validated the account 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 priorCOMPLAINT # XXXX and XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent Equifax a statement advising regarding Reinvestigating my complaint regarding account XXXX # : XXXX, I rcvd an updated response advising my consumer file had been updated and verified. This is not validation of debt, I am requesting XXXX provide XXXX Notice for validation of debts. 
1. Validation of debt including the actual accounting 2. Verification of a debt claim against me with a sworn affidavit or signed invoice 3. A Copy of the Contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as I received these documents.

If these documents can not be provided, Immediately remove and send my updated consumer credit file.
Consumer complaint received 2019-11-14
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The Department Of EducationXXXX Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATION/XXXX Potentially negative DEPT OF EDUCATIONXXXX Potentially negative They also each contain 2 late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AR)

I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Moreover, I certify that I am authorized to initiate this dispute under FEDERAL and STATE Legislation. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or something utilized my personal information without my consent to apply for products, services, or money and was successful.
Consumer complaint received 2023-03-03
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)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some inquiries that appear incorrect. I ALSO FOUND TONS OF INACCURATE INQUIRIES ON THE CREDIT REPORT. As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE INQUIRIES DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE INQUIRIES THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! ALSO I ATTACHED ACCOUNTS THAT WERE REMOVED BY XXXX THAT NEEDS TO BE REMOVED ON YOUR END. 

XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (TX)

This complaint is about XXXX XXXX XXXX, which is a business actually known as Duvera Billing Services. The Company Duvera Billing Services, had misled and misrepresented their services as I believed I had entered an agreement with XXXX XXXX XXXX. The company forced me to sign documents through a mobile electronic device, thereby making lines very hard to read and especially difficult to further review. However, they have set the interest rate on this {$2500.00} loan at 164 % and accrues daily. Not only was this business deceptive, but they are continuously getting away with the practice to harming consumers. Thousands of other individuals are suffering financially and have devastating credit scores as a result of this business fraudulent conduct. In addition to this, their agents calls and harass me from several different phone numbers, but none of which have their business XXXX XXXX neither Duvera Billing listed on callerid. This is trickery and gross harassment.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-06
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: National Credit Systems,Inc. (AZ)

Today marks 2 years i have been fighting inaccuracies on my credit report. National Credit Systems has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit score suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving. 
After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. National Credit Systems has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX ( XXXX ) which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudulent investment firm.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (TX)

I c systems opened up a bunch of medical ones on my Credit and never sent me anything and continues to call and harass me after I did a call with the insurance and them. The dates follow and amounts. 
XXXX XXXX {$300.00} XX/XX/XXXX, XXXX {$340.00} XXXX XXXX {$240.00} XXXX {$200.00} XXXX XXXX {$140.00} XXXX XXXX - {$50.00} Another collection agency called and it's called XXXX XXXX of {$210.00} on XXXX XXXX
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Dear CFPB Representative, I am reaching out to request your assistance in removing the fraud alert on my credit report. Despite my direct communication with the credit bureaus regarding this matter, no action has been taken. The Fair Credit Reporting Act ( FCRA ) states that credit reporting agencies must investigate and correct any inaccurate information on a consumer 's credit report. In this case, the fraud alert is an error that needs to be rectified. Therefore, I kindly request that the CFPB reach out to each of the credit bureaus on my behalf to ensure the prompt removal of the fraud alert. Thank you for your attention to this matter.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Same scenario as my last complaint. All evidence attached. 

I used my reward points to redeem a flight. The full amount was charged to my credit card without the corresponding credit related to the points. My card was charged for the entire amount {$780.00} USD, no statement credit was issued. 

I contacted the customer service via the phone where they said there was a glitch in the system and the back office team would make the fix. ( CASE ID XXXX ). 

I contacted them again for a follow up and the agent could not locate the case and advise I called again at another time where the rewards team would be able to assist ( the work on limited hours only ). 

I have used this benefit twice only and both times the same " glitch '' in the system.
Consumer complaint received 2020-04-16
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. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Consumer complaint received 2023-03-03
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. (NY)

I previously tried to resolve this issue, be requesting information to validate this claim. The information i received in response to this was that they claims were " valid '' and no further action would be taken. In light of said response based on my first initial letters, these must be removed or i will proceed to take legal action. I am not responsible for these debts and would not like my credit profile to reflect that.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My father passed away and left me as the successor of a trust. my older sibling had lived in the house since before my father died. He would not divulge any information about the lender of the mortgage of the house until the foreclosure was put on the door I tried to make a payment toShellpoint lenders to bring the mortgage payment current and was told I had to file a modification application to the mortgage and I did and was given a point person around XX/XX/XXXX and she was not available most times and almost never returned my calls. I was given a sale date of XX/XX/XXXX and submitted all the requested documents by XX/XX/XXXX I was told that everything went to the underwriter and the sale was placed on hold. But, on XX/XX/XXXX, at XXXX XXXX  my house was sold and I was not notified. I was continually told that everything was with the underwriter until XX/XX/XXXX when I found out the notice of sale by the trustee was placed on the door on XX/XX/XXXX. when I called back and ask about the notice n the door I was then given the legal department and instructed to speak with the lawyers to speak with the point person I was given her voice mail and until today I still have not heard from her and can not speak with her. I had a representative from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX helping and keeping an account of the interaction. my representative from them was on the phone with me when they said that it went to the underwriter and it would stop the sale
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2023 Midland credit management was provided a request for debt VALIDATION and refused to send the requested documents, but instead opted to send an old bill from the said acct. The name is not correct and neither is the address on the debt. therefore i take no responsibility for said debt. the company refuses to send the documents i have requested and proof of my legal obligation to pay the debt. The company can not provide information according to the operator on the call as well but refuses to remove the debt from my credit file.