davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i file complaints with trans union XXXX and XXXX and after the investigation XXXX and XXXX deleted the derogatory companies but trans union still has not deleted from my credit report which is really hindering my credit score. i also file a coplaint with the CFPB and trans union still hasnt removed those accounts. please look into this matter for i am at a lost and dont know what else i can do
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

XX/XX/2022 for XXXX I tried telling them this is not my account is shows as closed. Keeps posting on my collections. It is not my account from XXXX XXXX XXXX I've never even left XXXX XXXX so this is not my account and they are aware they refuse to remove it off my collections and it's affecting my credit.
Consumer complaint received 2020-02-29
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
XXXX
Consumer complaint received 2020-02-29
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX  XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
HIPPA
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2023-08-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

BB & T now Truist Bank gave a 30-year mortgage loan to my mother in XXXX. She was XXXX XXXX XXXX at the time. She passed away in XXXX and her case was just resolve in probate court. After she passed away, I called the bank regarding the loan, but no one could provide me any information regarding a freeze on the payment because of her passing away. I called for four months in a row, and they always said that someone would call me back, but I never received a call back, so I gave up. I find the practice of giving a 30-year loan to an XXXX highly suspect knowing the likelihood she would live that long to repay was almost zero. We could not make her mortgage payment for her and the bank did not seem to care. Now they sent legal papers regarding foreclosure.
Consumer complaint received 2023-08-17
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. (OH)

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 XXXX 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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX  a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued immediately.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (FL)

XXXX Lockhart morris & montgo Reported a {$920.00} on my credit report hurting me.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they doing fraud 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to...
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (FL)

See attachment! 

Subject : Immediate Removal of Nonpublic Personal Financial Information NOTICE TO CEO, XXXX & XXXX XXXX I am writing to demand the immediate removal of my nonpublic personal financial information from my credit report, as it has been accessed and reported without my consent or lawful authority. This unauthorized action violates my privacy rights and breaches the XXXX XXXX. 
I hereby request that Amerassist AR Solutions take the following actions within 15 days : 1. Delete all records of my nonpublic personal financial information from my credit report.

2. Provide an updated credit report reflecting the removal.

Failure to comply will lead me to file complaints with the Federal Trade Commission ( FTC ) and [ Your State ] Attorney General for unauthorized access, fraud, and violations of the Gramm-Leach-Bliley Act. 

Please confirm your actions and provide an updated credit report showing the required changes to my records. 
Sincerely, XXXX
Consumer complaint received 2020-02-29
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. XXXX XXXX XXXX XXXX XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} million class action settlement. 
HIPPA
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX has a hard inquiry that i don't recognize on XXXX and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.
Consumer complaint received 2023-08-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see 2 hard inquiries on my credit report which I did not apply for : 1. An auto loan from Bank of America inquired on XX/XX/2023 XXXX. A home loan from XXXX XXXX XXXX inquired on XX/XX/2023 I see several soft inquiries which I haven't applied for as well. 

I need to dispute all of these and also place a freeze so my information is safe and protected going forward.
Consumer complaint received 2024-08-07
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 writing to formally dispute the late payment entries on my credit report related to the following accounts : Account XXXX Creditor : XXXX  Date of Late Payment XXXX XXXX XXXX  Account XXXX Creditor : XXXX XXXX Date of Late Payment : XXXX Upon reviewing my credit report, I noticed that these accounts are reported with late payments that I believe to be inaccurate. 

Conduct an investigation into the accuracy of these late payment entries. 
Provide a written update on the status of the investigation and any changes made to my credit report. 
I would appreciate it if you could expedite this process, as accurate credit reporting is crucial for my financial well-being. Enclosed with this letter are copies of all relevant documents for your review. Please let me know if any additional information or documentation is required.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (WV)

A few months ago, I was contacted by phone by XXXX XXXX about a medical debt from XX/XX/2017. When I answered, they tried confirming my information and my social security number was incorrect so I hung up because I thought it was a scam call. Then, I received notification by mail that I owe the amount of XXXX to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I notified the company through mail that this is incorrect and would like to dispute the information and be provided documentation. The documentation provided shows an incorrect social security number. I am sure I paid this debt in the past and convinced I am being double billed for a service. I tried contacting XXXX XXXX, who was the original creditor, and they could not find any information about me with both my new and incorrect social. I do not understand how I can be billed 6 years later under something with an incorrect social AND when the original creditor doesnt even have any information on my account. I believe I am being billed falsely and illegally. This collection agency should not even be attempting to collect a bill that isnt with the original creditor or with incorrect information.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$710.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2020-02-29
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. (LA)

To Whom It May Concern, I have supplied Equifax a letter from XXXX XXXX XXXX saying that they have requested the removal of the accounts from my credit report that Equifax does not remove the account. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

On XX/XX/2023 Select Portfolio Services DBA " SPS '' purchased the mortgage servicing of my loan from XXXX XXXX XXXX XXXX " XXXX XXXX ''. Since that time, SPS has sent me incorrect statements, incorrect collection letters, and threatened/started foreclosure proceedings ( Validation of Debt Notice dated XX/XX/2023 ). SPS has been notified of their errors ; however, they forced me to pay the incorrect amount on XX/XX/2023. 

The errors stem from a gross lack of due care and due diligence by SPS ' acquisition department. My previous servicer, XXXX XXXX, processed a Covid forberance program and loan modification - SPS did not take those into account in their statements or collection actions- and have not corrected their online or voice response unit for my account. 

SPS should process my loan modification, stop collection actions, and pay for the defensive responses I have made due to their incompetence.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (FL)

Fortiva 's response to XXXX was unsatisfactory. Fortiva 's action lowered my credit score. Fortiva opened a credit card account without my permission. Instead of closing the account, they should have removed the account. Closing the account that I did not authorize reduced my credit score. This is NOT acceptable. The account should be removed as an error. Not shown as an open account that was closed. Again this does not resolve my issue.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: John C. Heath, Attorney at Law, PLLC (NC)

The purpose of this statement is to address the delinquent account that is showing up on my credit report. The XXXX XXXX XXXX  account was closed on XXXX XX/XX/XXXX due to a charge off. XXXX XXXX XXXX XXXX filed Bankruptcy and stopped my allotment in their process of Bankruptcy. I called XXXX XXXX XXXX XXXX for months and no one returned my calls. In XXXX. I noticed that I had a charge off on my credit report. I made serval attempts to try to find a solution to resume payments and to get the account current. In XXXX when I was able to get in touch with XXXX XXXX XXXX XXXX. The representative indicated that I wasn't in their system at all, and they couldn't help me. I have been working with credit repair companies that have run into the same roadblock as me. I am asking for your help to help me find a resolution and get this negative report removed from all three credit reports. If you have any questions for, please let me know!
Consumer complaint received 2023-08-17
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. (GA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account XXXX  XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.