davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} ; ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-30
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. (NY)

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 2023-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Company calls multiple times a day and occasionally repetitively. XX/XX/XXXX 7 times XX/XX/XXXX 4 times for the last month on average. Additionally calls from No Caller ID multiple times a day directly before or after using business number.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I am requesting that American Express increase my limit back to XXXX. I have been a client of Amex for 5 years with XXXX personal credit cards, and one business card. A few months ago, Amex decreased my credit limit to XXXX. It is important to note that I was never late on any of my Amex accounts, and I never held a huge balance even though this card was XXXX. I was informed that Amex performed a soft pull and made a decision based on balances on other cards that have since been paid down, and a late payment reporting on an auto loan which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus. If someone from Amex would have reached out to me prior, then they would have gotten this information from me, and we could have avoided this. I will be submitting my credit card statements, bank statement, notice of lawsuit, and the reconsideration letter that was faxed to Amex. My bank statement will show that I am more than capable of making monthly payments, so I am frustrated that I am even going through this process. I love my relationship with Amex and would like to continue to grow with them. I have no desire for a credit card with that low of a balance. Please increase my card back to {$12000.00} as this has been a miscommunication.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NJ)

On XXXX  I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Consumer complaint received 2023-06-30
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

PRA - Portfolio Recovery Associates LIED TO YOU when they responded to you regarding complaint number XXXX submitted XX/XX/2023. They stated that they were negotiating with my attorney per my request. I do NOT now have an attorney, nor did I have one when they responded to you and they knew it and I can PROVE IT and you just tacitly accepted that they were telling the truth after you just fined ther {$24.00} XXXX in XXXX fo illegal and dishonest business practices. This complaint is IN ADDITION to my complaint
Consumer complaint received 2023-06-30
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. (MD)

The accounts listed on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-07-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-30
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. (NY)

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 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Procollect actions continually violate the Federal Debt Collection Practices Act ( FDCPA ). Procollect continues to report false information on my credit report and fails to provide proof that I owe XXXX XXXX For over a year, Procollect failed to provide information or evidence that I owe XXXXXXXX XXXX I didnt have an active lease with XXXX XXXX, and I dont recognize this company. I have provided valid information and documentation showing that my final bill was paid before moving out due to neglected damages by XXXX XXXX XXXX XXXX. 
As stated through verbal communication and email for over a year now with staff from Procollect, this account has been settled. Furthermore, the Property Manager and staff said that I didnt have to pay the termination lease fee due to damages to the apartment from XXXX XXXX  XXXX. My apartment suffered significant damages from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, which the apartment management failed to fix promptly. We were without running water, and the water pipes burst, causing an unsafe living environment due to mold for my family and small kids. 
I request that this be removed from my credit file immediately.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (CA)

On XX/XX/ I submitted letters to the credit reporting agencies to initiate an investigation into items that are being reported on my credit report that are inaccurate. I either received no acknowledgement of my documentation or received an email that stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This message, and the lack thereof, indicate that these credit reporting agencies received my investigation documentation, yet willfully neglected FCRA Section 611 ( 15 U.S. Code 5 1681i ) titled Procedure In Case Of Disputed Accuracy which states, " In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the ( 30 ) day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' These agencies have also been notified of this neglect which I will be providing documentation for.
Consumer complaint received 2023-06-30
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. (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 1681Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ) 7 ) 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 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I received a letter from Mr. Cooper on XX/XX/XXXX in which I was given five options to choose from. The five options are and I quote : 1. Refinance the loan with us or another lender ; 2. Modify the loan with us ; 3. A voluntary payment forbearance temporally gives you more time to pay your voluntary monthly payment ; 4. A voluntary repayment plan that allows missed voluntary payments to be made up over time ; 5. or If you are not able to continue voluntarily paying the mortgage, your best option may be to find more affordable housing. You may be able to either surrender your home through a Deed in lieu or sell your home and use the proceeds to pay off the loan, even if the proceeds are not enough to pay the loan in full ( short sale ). These are the options given and I chose the Short Sale. I hired a Real Estate Agent Who called Mr. Cooper to seek approval for the short sale. Mr. Cooper responded that my Real Estate Agent should enroll in Mr Cooper 's Short Sale Validation Program which she did. Mr. Cooper asked for documents to be submitted also which she did. Mr Cooper asked my  Agent to List my house with XXXX XXXX, also which she did. Now to my greatest surprise I received a foreclosure sale notice from The XXXX XXXX, XXXX. on XX/XX/XXXX that my house is scheduled for foreclosure sale on XX/XX/XXXX. First of, Mr. Cooper is violating the Virginia Dual Tracking Law. Second of all, Mr. Cooper is violating Virginia Foreclosure law by not advertising the foreclosure sale on the local news paper. Then The XXXX XXXX, XXXX lied AGAIN as usual that I should find enclosed the advertisement of the foreclosure sale in XXXX XXXX   XXXX. I couldn't find any attached advertisement as claimed by The Trustees.
Consumer complaint received 2023-06-30
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. (NY)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX XXXX XXXX i XXXX XXXX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Payment History and Account Closure per Fair Credit Reporting Act Dear Consumer Financial Protection Bureau XXXX I am writing to dispute the false payment history and inaccurate account closure information reported by Discover Bank on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Discover Bank has failed to rectify these inaccuracies despite my efforts to resolve the matter directly with them. 

Creditor Name : Discover Bank Account Number : Ending in XXXX Date of Account Closure : XX/XX/2023 Date of First Delinquency : XX/XX/2023 XXXX. False Payment History : Discover Bank has reported me as being 90 Days Past Due on XX/XX/2023, which is entirely inaccurate. I have evidence proving my consistent and timely payments, with no instances of being 90 days past due. Discover Bank has not corrected this false information on my credit report. 

XXXX. Account Closure Inaccuracy : The account closure date reported on my credit file is incorrect. Discover Bank closed my account prior to the reported date, yet this discrepancy persists on my credit report. 

Despite my attempts to resolve this matter directly with Discover Bank, they have not taken the necessary steps to rectify these inaccuracies. Therefore, I kindly request your intervention and assistance in resolving this dispute in accordance with the FCRA. 

I respectfully request that you initiate an investigation into these inaccuracies and take appropriate action to ensure the correct and accurate information is reflected on my credit report. Furthermore, I kindly request your guidance on how to proceed and any additional steps I should take to address this issue effectively. 

Thank you for your attention to this matter, and I look forward to your prompt assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-02
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. (PA)

To Whom It May Concern : Hi, my name is XXXX XXXX. I am writing because the following items I have attached are items in my report that I need removed. I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. I have already reported my identity theft to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank you!
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (TX)

In accordance with the Fair Credit Report Act, Flagstar Bank has violated my rights and in return caused financial setbacks to my family. 

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 my written instruction. 

On or before XX/XX/, I made a payment via phone to the mortgage company in order to ensure timely payment. Unfortunately, due to an unforeseen delay in processing on the part of the mortgage company , the payment was not processed in a timely manner. However, upon realizing the issue, I promptly contacted the mortgage company on XXXX XXXX XXXX to rectify the situation. 

During my conversation with the mortgage company representative and supervisor, XXXX, I was given a second confirmation number to confirm that the payment had been received, confirmation number is XXXX and would be processed within 3days.The payments did not actually process for both XXXX and XXXX mortgage payment until the XXXX of XX/XX/2023 in the amount of {$5500.00}. Again, the later processing to these payments were due to the mortgage companies processing time. Despite this, the mortgage company had already reported the payment as late to the credit bureaus, prior to the full 30 days late being fulfilled. On or after the XXXX on XXXX, XXXX  would have been the XXXX day of an actual late payment. Regardless of our payments being ontime, and their processing being late, they marked a 30 day late with bureaus when the late time had not been met. 

According to the terms of my mortgage agreement, payments are not considered late until after the XXXX of each month. I made the payment well before this deadline, and I have the confirmation numbers to substantiate my claim. I believe the reporting of a late payment on my credit reports is inaccurate and unjustified.
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX XXXX or IQ Data has purchased a debt from XXXX at XXXX XXXX XXXX that does not exist. XXXX at XXXX XXXX XXXX is currently under suit by me. 

The attempted an Unlawful Detainer that they could not substantiate. I have a subsequent hearing in Small Claims court in my suit against this property. No stipulations exist within the court system and XXXX at XXXX XXXX XXXX ( XXXX ) communications contradict any and all statements with regard to an alleged " debt ''. 

The amount they claim owed can not be verified by XXXX who own and run the property. I have all the ledgers from my past year at this property. 

They are still libel for damages to my property and code violations. 

The debt as previously stated can not be verified. 

IQ Data contacted me and refused to name the party they obtained the debt from and harassed me for a day until I was forced to block the number.