davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (FL)

I have tried several times to speak with them and they at one point would not speak to me because I advised I was going to contact a lawyer because there calls were more harassment than anything. I use their online system to pay this account as well as to set up the payment plans that they offered for hardship. Have made those payments and over those payments and because they called me and I cussed the rep out and told him I will file bankruptcy now it's showing 120 days late on my credit when it is not. I have tried calling and they seem to have an axe to grind and refuse to correct my credit report or the account but continue to call and harass me about payments
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have contacted both Portfolio recovery and XXXX about debt they say I owe. have ask for proof many times and have yet to receive any form of proof of debt. This is on my credit report I have desputed this several times over last two years. Last date was on XX/XX/2019. With XXXX XXXX, they responded this was verified. Have ask for said proof several times with no results. This account number is XXXX Portfolio Recovery. Thank you for your time
Consumer complaint received 2019-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (VT)

XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Struggling to pay mortgage Hello cfpb -- I submitted the above complaint. TD Bank did respond by sending our attorney a waiver in lieu of foreclosure releasing us from all liability. We signed the paperwork and returned it in a timely manner, but then received a letter that it would take " some time to do a revised deed search '' for the Bank to sign and return the papers to us. We have not heard from them. In addition, we've received a bill from the Bank for over {$32000.00}. This is so much stress on our family, especially with our daughter so ill. Please help us. Thank you. I'm at XXXX, XXXX and our attorney is XXXX XXXX. His contact information ind on our first complaint.
Consumer complaint received 2022-08-11
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. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX placed a collections on my Credit Bureaus without any notification of me having a debt. I was notified through my monitoring system. I called TransUnion about this collections and they advised me that it is a medical debt. In which this company never gave me the opportunity to dispute the debt. 

Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX or any other Medical Agencies to release my medical information to a third party. 

This is totally hurting my credit report where I am about to close on a home loan. I believe the credit bureaus are intentionally putting collections on my credit to destroy my credit score and prevent me from purchasing my home.
Consumer complaint received 2019-05-20
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. (TX)

XXXX and Transunion are reporting incorrectly a late payment in XXXX, 2019 on the XXXX/XXXX   XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (WV)

In accordance with the Fair Credit Reporting Act, Credit Acceptance, has violated my rights under XXXX USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have tried to handle this matter with my Credit Acceptance account # XXXX  for over XXXX  months. Credit Acceptance refuses to follow any rules and regulations. 15 USC 1681C ( a ) ( 5 ) states " A financial institution may not disclose non public personal information to a nonaffiliated third party ... ''
Consumer complaint received 2022-08-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX
Consumer complaint received 2022-08-11
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. (PA)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MS)

My account was closed in 2017, i was making regular payments and it was closed with no notice or reason why. I called the company asking why and they could not give me an accurate answer and i was told i will still have to make payments even though they closed my account.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

Innovis, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer/credit reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Consumer complaint received 2022-08-11
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. (FL)

HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!
Consumer complaint received 2022-08-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-14
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (OK)

I was notified recently when checking my XXXX credit report that a collection account has been placed on my credit report opened XX/XX/2017. Upon looking i see it is from RECEIVABLE-in regards to XXXX  XXXX in the amount of {$160.00}. I Have never received notice of the alleged debt and have no idea what the debt could be for. In doing so i was denied my legal right to dispute any debt within 30 days of notification pursuant to the 15 USC 1681 et al. 

I would like to ask if Receivable is the original creditor? Can they prove beyond a reasonable doubt that i have a signed agreement agreeing to pay your company? 

I am demanding this to be removed from all of the credit reporting agencies and proper procedure and protocol is to be followed. 

if a a reasonable solution is not reached i will be forced to file a complaint with the attorney generals office in the state which said company resides up to including litigation in a court of law. 

i have also attached a screenshot showing this account removed from one of my reports but still remains on my other credit reports.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

On XX/XX/XXXX I contacted Enhanced Recovery Company ( ERC ) in regards to an account listed on my credit reports. I requested validation for this account in which they responded with the attached documents. The document was a bill for which I have no knowledge of that was dated for XX/XX/XXXX. As you know, the statute of limitations in the state of South Carolina is 3 years and the debt can remain on the consumer 's report up to 7 years. It has now been almost 11 years and this debt is still showing up on my account with a balance of {$38.00}. I request that this collection account be removed from my report immediately.
Consumer complaint received 2022-08-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

A collection account from Convergent Outsourcing has been placed on my credit reports. It reflects XXXX XXXX XXXX is the original creditor, it states the account was placed on my credit report between XX/XX/2019, and XX/XX/2019. It shows this account was opened on XX/XX/2019. I did not open an account with either company on XX/XX/2019, and I dont have an account with XXXX XXXX XXXX and have no knowledge of this account. 

I did not receive prior information from either company prior to this being placed on my credit reports ; otherwise, I would have immediately disputed the erroneous account.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

this was my frist credit card ever. I got it in XXXX XXXX it had a XXXX dollar limit. i used it for a couple months and paid on time, then when i switched banks i had trouble setting up payments. It went late and then eventually they closed it. it was never a problem of money or not being responsible, i just didnt understand how to do it. 

they closed the account in XX/XX/XXXX sometime. Its the only thing on my credit report and its giving me a hard time to get started building my credit for real. I want to build it and have good credit. Im XXXX married and have a XXXX. 

I need this one negative off my report so that i can get this going.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX Subject : SCAM/FRAUD Dear CFPB Complaints Department, I wish to lodge and official complaint agains XXXX XXXX & Bank of Amercia who did not return my funds or respond to my letters, Fax or E-Mails. 

I am the victim of SCAM/Fraud XXXX USD IRS & XXXX USD for opending my bank account. The following persons were involved. 

XXXX XXXX XXXX, Compliance Mgr XXXX XXXX XXXX XXXX XXXX XXXX, Attorney XXXX XXXX XXXX XXXX XXXX, Attorney XXXX XXXX   Partners E-mail : XXXX ( This may not be legitimate ). 
E-Mail : XXXX Given Address most likely not ligitmate as my post was returned " unknown at this address ''. 

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Tel or Fax XXXX XXXX XXXX XXXX Tel. XXXX XXXX XXXX XXXX ( Always busy irrelevant of when I call ). 
Tel. XXXX XXXX XXXX XXXX I have left many messages but no response. 
They did have a web page but this has since disappeared! 

The only address I found the Internet for XXXX XXXX XXXX was dated 2017 It is uncertain if XXXX XXXX XXXX really exist? 

Name : XXXX XXXX XXXX Email : XXXX Organization : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. 

XXXX XXXX XXXX, New York Regulatory Office ( XXXX ) E-mail : XXXX XXXX XXXX XXXX, IRS International Audit Department E-Mail : IRS.gov.us International Audits Please be informed that I still have once again been unable to contact you on any of the numbers below. 
XXXX XXXX Tel XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX XXXX I also left many messages on their answerphone but no response! 

I have requested my bank XXXX XXXX XXXX XXXX on
Consumer complaint received 2019-05-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

This is one of 20 plus faxes i have sent! B of A said denied due to income, and was asking for mom deposits of {$500.00} per month, didnt use first time so refaxed with the {$500.00} and had to add her on, every time i call say one thing and another, called today XXXX-19 now says to date RMA AFTER THE 3RD! AND KEEP ASKING FOR PROOF OF HARDSHIP IS INCLOSED! WHAT TO THEY WANT already called a HUD number that was give said i qualify called XXXX company said i qualify but bank has to approved! AFTER FAXING OVER 20 TIMES!
Consumer complaint received 2022-08-11
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. (CA)

I disputed an account due to fraud with Equifax and they claim that a thorough investigation was completed, however, they do not have any substantial proof of validation. The account still remains and is causing financial disparities in my life. Three representatives ( two supervisors ) confirmed that since they do not have substantial proof of validation that the account has to be removed under 15 USC 1681 e ( b ), but did not remove the account and told me that I need to submit a police report. I am aware that I do not need to submit a police report to have any accounts removed and am demanding that they are investigated for fraud and tampering with consumer files. The four calls made were on XX/XX/2022 and I was yelled at, interrupted and lied to.
Consumer complaint received 2019-02-28
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. (FL)

There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX