davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (TX)

" On XX/XX/2023, our office received a request for validation from you ''. " On XX/XX/2023 the account was placed in a suspend status and no calls or collection efforts were being performed ''. This was in reply to the letter sent to my home from First National Collection Bureau , Inc . It has been more than 30 days since XX/XX/2023 for validation. Anything after 45 days for grace to valid a debt is not in compliance with the Federal Fair Debt Collection Practices Act. Please return the file back to the original client for further view.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I disputed errors that were made to my XXXX report. There were several unauthorized inquiries on my credit report. I requested that they be removed, some were left on my report, some were removed but then put back on, without reason or explanation. The dates of the inquiries were also changed to more recent dates, which would allow them to be on my credit report for a longer than necessary period.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.
Consumer complaint received 2023-09-20
Product: Credit reporting 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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2018-03-19
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: EQUIFAX, INC. (GA)

On a Consumer Credit Report from Equifax dated XX/XX/XXXX is a tradeline furnished by XXXX XXXX with a date of last activity XX/XX/XXXX and a status of pays as agreed. 

Equifax told me in XX/XX/XXXX that paid as agreed tradelines with a date of last activity older than 10 years would be deleted from my file. 

XXXX XXXX has never appeared as a furnisher in Equifax Consumer Credit ReportXXXX that I have received from it in the past. 

I have no record of ever getting a loan from XXXX XXXX.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

OnXX/XX/XXXX, and XX/XX/XXXX, through on line banking from my bank ( XXXX XXXX ) two payment of {$50000.00} EACH, went to a closed the CITIMORTGAGE  account, ACCOUNT # XXXX, the trace number for each transfer is XXXX processing Dated XX/XX/, with code of XXXX, and another one with trace # XXXX Dated XX/XX/XXXX 
The XXXX XXXX and their 3rd party on line banking can not get any help or respond from citimortgage to return the money bak. 
they have been trying formXX/XX/XXXX till now and no respond is giving to the,. 
I have called and faxed many times to citi morgage representative and send many request, to get my money back to my account and unfortunatley did not get any respond back from the. 
citimorgage Tel # is XXXX XXXX, and their Fax # is XXXX thanks XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

OnXX/XX/XXXX I mistakenly made two payments to hmf ( XXXX XXXX XXXX ) on XX/XX/XXXX I called Chase and told them specifically to only take bake the 2nd payment and only this occasion! ( have a witness ) Chase took both payments. 0n XX/XX/XXXX I made another payment and Chase took that one back as well. I find out Chase put a 180 day stop on those payments when told only once and told me it would definitely be only the one time. Because of that hmf carged me 3 {$30.00} fees for lack of funds ( which is not true ). I explained to hmf and they waived only one fee. I called Chase and they are only refunding one fee, leaving me with a fee that is not my fault! All of this is the fault of Chase for lying to me!
Consumer complaint received 2023-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC (CO)

I have medicaid and i should not owe any collections as it pertains to medical that are on my credit report. I've resolved with the courts and have uploaded all the documents that states the collection company is illegally attempting to collect a debt not owed. I need the collections removed from my reports which i've attempted to do many times but have not come off. Please assist in any way you can.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 inructions 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 2023-09-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC (TN)

During covid XXXX I reviewed my credit report and noticed that a collection account was opened by the Law Office of JMCC . 

I noticed this and contacted their office to invoke my CFPB rights as a consumer specifically stating code 15 USC 1692e. ( 3 ). This collection company stated they are in an attorney 's office and that is a direct violation of code 15 USC 1692e. ( 3 ). This company has incomplete records for an account that I was never contracted to pay.

This company also has violated my individual privacy. I would like to invoke my rights under code 15 USC 1692b this company has violated my rights to privacy by purchasing my personal information, contacting me, and distributing my personal information through company-owned computers and databases. My location information was also used to state via telephone stating I " owe a debt ''.

This has hindered my ability to obtain housing during the COVID crisis and allowed me to be homeless during this time. These are over 3 violations of the current CFPB code. As a consumer, I would like the immediate removal of this account from all of my credit reports.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back. I submitted complaint they sent me a email saying they are working on it and requested more time. When i went back to check on complaint they send message to bureau they contacted me and complaint is closed .. this is false information. after the initial email i received nothing. i actually had to call them numerous times with no response so my only choice is to reissue complaint in hopes i get someone that will resolve the issue, they kept the money and drawing interest off it so they cant say they don't have it.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I sold my home on XX/XX/2023. I called XXXX to inform them of the sell-closing and requested a letter to verfiy the account was paid in full with XXXX balance. The account is shown open with a balance owed on XXXX, Equifax, and XXXX etc ... as if I Stopped paying the mortgage. XXXX XXXX XXXX d/b/a XXXX XXXX even sent me a check for a Payoff refund check dated XX/XX/2023.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (MS)

On XX/XX/XXXX I contacted Pro Collect to see why they were showing up on my rental history as being owed a debt in which I know I included in my Chapter XXXX Bankruptcy filed case. I filed Chapter XXXX in XX/XX/XXXX in which I have since been discharged from this filing. Once again I contacted Pro Collect and asked why are they still showing that I owe for the XXXX XXXX XXXX and other company by the name of Sure Deposit which was also included in the Bankruptcy. I was advised that my account was restricted and to contact a gentleman by the name of ( XXXX XXXX ) via email. I was giving the email of XXXX and also advised that if and when he returns my call that I would need to answer because he will not call back. Meanwhile, I still did not receive a call back or email in reference to my issue at hand. I contacted the company again on XX/XX/XXXX for a follow up because I have yet to receive a resolution from the first attempt to inquire as to why this debt is still out there when it should indicate it was discharged through bankruptcy. This is causing a hardship on me because I'm trying to relocate and they will not allow me to reside in their dwelling until I show proof that I do not owe this debt to Pro Collect, The XXXX XXXX XXXX and Sure Deposit. I have yet to hear from this company and per the reviews for this company they have horrible service and XXXX XXXX is not a reliable source to handle the issue at hand. Therefore, I will exhaust all avenues until I get this issue resolved.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

All three major credit bureaus, XXXX, Equifax, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-21
Product: Credit reporting 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. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting 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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX.. Account # XXXX ... Account Name .. XXXX XXXX XXXX  XXXX Account XXXX XXXX ... Account Name.. XXXX XXXXXXXX XXXX XXXX... Account XXXX XXXX 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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (OK)

See attached Comments and Exhibits. 

Bull City Financial Solutions ( 'Bull City '' ) reported a medical collection associated with XXXX XXXX to XXXX XXXX XXXX and XXXX on XX/XX/XXXX wherein Bull City claimed that the medical debt had been outstanding for more than a year ; however, statements from XX/XX/XXXX and XX/XX/XXXX show that no such balance existed and that Bull City 's claim is both inaccurate and false. 

Upon filing a dispute with XXXX on XX/XX/XXXX, an investigation was conducted ; however, Bull City CERTIFIED to XXXX that the information in the collection was accurate and XXXX made no change ( s ) to my credit report. 

On XX/XX/XXXX, I contested the dispute findings electronically and attached one ( 1 ) page of comments and six ( 6 ) pages of exhibits. 

In response, XXXX informed me that my contested dispute had been concluded but that the findings and the report were not available to me electronically. Hence, final resolution of this matter appears on-going. 

Additionally, I have now received a notice from a third party credit provider stating that as a result of this medical collection, I am now subject to higher interest and fees.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

During the tax year XXXX, I paid over {$42000.00} in mortgage payments to Seterus. However, Seterus sent me Tax Form XXXX for the XXXX, showing XXXX was paid in mortgage interest. See the attachment. 

This clearly an error. In XXXX, over {$25000.00} of my mortgage payments went to mortgage interest. Someone at Seterus should have realized XXXX error before sending the form. 

On XX/XX/XXXX, I contacted Seterus by phone. I thought that it would be a simple matter of looking up my account and giving me the number over the phone. However, the staff person I initially spoke to said it could take two to three weeks! I asked to speak to a supervisor and was put through to XXXX XXXX. He promised hed get back to me by the end of the week, XX/XX/XXXX. 

I never heard from him.

Seterus is violating federal law. Tax forms were to be mailed by XX/XX/XXXX. By Seterus submitting an incorrect Form XXXX, they effectively submitted no form at all. 
Seterus error is preventing me from filing my XXXX Federal and State Tax return.