davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

I paid this debt as soon as I received a bill from the medical provider. I paid it in full on XX/XX/XXXX. The statement was dated for XX/XX/XXXX. I then received a letter from the collection agency, Transworld Systems Inc., dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I  sent them a letter with a copy of my payment after I called them more than 15 times and no one ever answered. The recording would tell me the person at extension ( then give a very long extension number ) was unavailable. Please leave a message. Then the recording would say the mailbox is full and can't accept any more messages. Then I received another notice dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I tried calling again and it was the same thing. I tried their website and the only option is to pay the debt, no way to dispute it. They gave me a registration number that also does not work for anything other than paying.
Consumer complaint received 2023-06-20
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. (FL)

UN-AUTHORIZED INQUIRIES CXXXX 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 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
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against XXXX, XXXX, and Equifax regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX through mail but have yet to receive any response. 
I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by XXXX, XXXX, and Equifax. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. 
The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. 
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that XXXX, XXXX, and Equifax physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. 
I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that XXXX, XXXX, and Equifax verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. 
I expect a thorough investigation and corrective action from XXXX, XXXX, and Equifax. As stipulated by federal law, I request the completion of the investigation within XXXXhirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (GA)

For a FHA loan, there were several things that shouldn't have passed so easily under the radar. 1. There was a leak next to the washer that had collected mildew. There was a bucket that was collecting the leaking water, and it smelled horribly. 2. There was a mildew on the wall from the leak, and I had to change it. 3.The HVAC was not working. It had to be clean, and it had a dead bird in it and needed freon. 4.Today, ( XX/XX/23 ) I discovered the fireplace not working, because the gas line is damaged and needs a replacement. 5.The bar sink stop up the motor machine don't work. XXXX. The attic had a lot of kind of garbage.
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Firstsource Business Process Services, LLC (LA)

Company called me saying I owed a debt credit card company. I told them to cease and desist till I receive a depth validation letter. Finally received a letter from there with screenshots of my personal information of the credit card company. Basically a bill. I called them back not knowing that they were missing information at the validation part of the day saying that they own the debt. I didn't receive that information saying that they purchased at that. I found out later after talking with the rep telling me to set up a payment to remove the debt. Where I was coarse into putting my information to set up a payment to lock in saving rates on a debt to settle the debt. But the debt was charged off by the company years ago and I never received the collections. Now I feel like they're fringing on my legal rights by using underhanded tactics and ignorance to bind me an illegal agreement to make me pay this debt and once I cancel and tell them I don't want them pursue it. They're going to choose to take legal action against it.
Consumer complaint received 2024-01-08
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. (GA)

I was trying to buy a house and I realized I had damages to my credit report. According to the 15 US C1681 law ( A statement by the customer that the information is not information relating to any transaction by the consumer ). There should not be any damages on my report! Its a defamation to my character.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

i looked over my report back in XXXX, and noticed some things are incomplete and not accurate. i sent a letter to XXXX on XXXX and asked them to investigate the completeness and accuracy of my report. i received the results and noticed they did not fix anything. they are breaking federal law According to 15 USC 1681e ( b ) it states this ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer/individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

According to 15USC 1681s-2 it states this. ( A ) reporting information with actual knowledge of errors 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. 
( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate. 

This is unfair. If they are doing this to me imagine who else they are doing this too. 
Can you please fix this
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Hi, I am customer of https : //www.spservicing.com/ my LTV ratio is lower that 60 % almost and they are not removing my PMI until XX/XX/2025. I already had some financial trouble with fire and increased property taxes in XXXX XXXX, NJ. If they can remove {$69.00} PMI it would really help. 

Please let me know if you would need any more information. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-01-07
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. (FL)

XXXX XXXX XXXX XXXX says I owe them money and I do not. I had already experienced Identity theft and explained that to them and they continously harrassed me via telephone. Now they have passed it over to XXXX and still I am dealing with this issue which is keeping my credit at a low stand still. This occurred in 2015 ( when I found out ). The debt is about {$10000.00}.
Consumer complaint received 2024-01-06
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. (DE)

Recently i did an investigation on my credit report, which caused XXXX XXXXXXXX and found unverifiable, invalidated, inaccurate and questionable items that your agencies did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % on my credit report and under 15U.S.Code 1681e ( b ) and 15U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-09
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. (WI)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2024-01-09
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: DIGITAL FEDERAL CREDIT UNION (NJ)

On XX/XX/XXXX I have sent a letter to XXXX to provide proof regarding the late payment. the Congress pursuant 15 U.S. Code 1666b - Timing of payments, states that the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 ( b ) - Open end consumer credit plans 21 days before due date. I have requested from XXXX  a proof that all the required information by law was sent 21 days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. XXXX  violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complaint. 
On XX/XX/XXXX XXXX  responded with letter that the information is correct but it is defiantly was not proof required by law.

I have sent them my second letter on XX/XX/XXXX giving them a final opportunity to resolve the matter but they ignored it and on XX/XX/XXXX XXXX  responded that the disputed information is the same as the last one and refused to investigate.
Consumer complaint received 2024-01-06
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. (TX)

On XX/XX/2023 I noticed that several items in my report are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. The results I received did not fix the inaccuracies. They are in violation of federal law : According to 15 USC 1681e ( b ) it states this : Accuracy of report. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it stats this : Treatment of inaccurate or unverifiable information : ( A ) In general if after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified. 
According to 15 USC 1681 ( s ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this : ( A ) Reporting information with actual knowledge of errors, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notifed by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is in fact inaccurate. 
This is unfair treatment. Please fix.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

About XX/XX/2024 I got alerts from XXXX XXXX about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX  nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX  did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Filed a claim with Bank of America for unauthorized atm withdrawals on credit card. Claim was denied and when I asked for documentation I did not receive any. Filed police report. Total amount {$1000.00}. Withdraws made in XX/XX/2023.
Consumer complaint received 2023-06-20
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. (CA)

Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. 
The vehicle shall be recovered and XXXX XXXX shall also be responsible for charges and fees
Consumer complaint received 2024-01-06
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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