davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

I am a merchant who offers services to customers and accepts Discover credit cards. I had a customer get full service any pay through Discover credit card. The customer filed a dispute charge back with Discover on XX/XX/XXXX. 9 month after the service date XX/XX/XXXX. claiming that no service was provided. We submitted documentation confirming that the service was actually done for the customer with consent and signature. Discover decided to give 3 days and sent a letter in the mail requesting the actual machine receipt. letter date was XXXX and information was needed by XXXX. Which I do have with customer signature. when we received the letter, it was already passed that date. Discover gave the customer 9 month to file a dispute and only 3 days for the Merchant to respond. I contacted the Merchant service and the bank who filed a claim on my behalf but were unsuccessful since it was done through a third party. I contacted discover but they refuse to help claiming I am not their customer. This will impact future customers if this does not get resolved since I am not able to accept discover anymore. this was stated to discover online chat and I asked numerous time for their customer service contact info other than phone or chat but I could not get through to anyone. This is the reason behind this complaint so these credit cards are being held to a higher standard than this. Merchant services processor excuse was we follow Discover guidelines and we pass it to you and we have nothing to do with these deadlines. Discover will bounce me back to Merchant services processor and refuses to talk to me.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I submitted a dispute regarding inaccurate information on my credit report. I provided all necessary documentation, including my identification, proof of address, and power of attorney, and sent it via priority mail. Despite this, the agency has ignored my dispute request, violating my rights under the Fair Credit Reporting Act. 

Furthermore, I received letters and emails attempting to coerce me into filing disputes online or over the phone. This interferes with my rights under the FCRA, which allows me to submit disputes via mail. These attempts to direct me towards online or phone disputes are not acceptable and further delay the resolution of my issue.
Consumer complaint received 2024-08-10
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)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The following accounts have violated my rights : XXXX : XXXX XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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 ) states 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 2024-08-07
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. (MO)

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  XXXX  account number : XXXX account number XXXX XXXX XXXX XXXX account XXXX account name : XXXXXXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  XXXX  account number : XXXX account name : XXXXXXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name XXXX XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name XXXX XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX acoount name : XXXX XXXX XXXX account number : 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.
Consumer complaint received 2024-08-06
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. (WI)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese are all collections Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

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 2024-08-06
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: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am filing this complaint against Fair Collections & Outsourcing regarding their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) in relation to a disputed debt. Despite multiple written requests for proper validation of this debt, they have failed to provide all required documentation under the FDCPA and have continued to pursue collection efforts. 

Here is a summary of the situation : On XX/XX/year>, I sent Fair Collections & Outsourcing a certified letter requesting validation of a debt related to a lease with Invitation Homes. My request was made pursuant to the FDCPA, 15 USC 1692g Sec. 809 ( b ).

Fair Collections & Outsourcing responded with limited documentation, including a lease copy, but failed to provide full validation. They did not include key documents, such as detailed accounting or proof of assignment to collect the debt. 
On XX/XX/year>, I sent a second certified letter reiterating my request for proper validation. To date, they have not provided all of the requested documentation. 
They offered a settlement and implied that failure to pay by XX/XX/year>, would result in the debt being reported to credit bureaus. However, they are still legally required to provide full validation before proceeding with any collection actions or reporting. 

Fair Collections & Outsourcing has not fully complied with my requests, and I believe their practices violate the FDCPA. I request that the CFPB investigate this matter and require the company to provide the necessary documentation or cease collection efforts. I am also concerned that they may report this disputed debt to credit bureaus despite failing to validate the debt.
Consumer complaint received 2023-09-29
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)

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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

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 2024-08-06
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Late in XXXX I started to receive letters about my property not having hazard insurance from Newrez- they had recently purchased my mortgage from a a previous servicers ( XXXX ). On XXXX XXXX, I sent Newrez a letter of complaint and proof of my XXXX property having hazard insurance. They responded that they were looking into the matter. In XX/XX/XXXX, I started to receive letters and documents of future charges into my escrow for hazard insurance. I once again sent them proof of my insurance of property to XXXX This month I received another letter stating that Newrez had purchased hazard insurance on my behalf.
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

The original debt comes from XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  and was wrongfully sold to National credit System collection agency. It was sent to collections around XXXX of XXXX. Prior to ending my lease I gave proper notice and made sure all account balances was paid. I wrote down XXXX forwarding addresses, updated email address and my cell phone number for points of contact. I was discussed via email and lease agreement that if charges was for move out were needed that we would get a notice within 14-28 days after move out. Once we moved out our account portals were closed and denied loggings because we was no longer residents. The only viable point of contact would be the methods listed on move out contact paper ( forwarding email, address and cell ) when we turned in keys XXXX of XXXX. 
I was never given the chance to dispute directly with the apartment and was only contacted after it was sent to collections. When I was contacted it was from spam numbers not reflecting to the apartments name/management nor did the numbers have the XXXX XXXX XXXX code. I received a text message in the XXXX  of XXXX  after already being moved into my new apartment stating that a manager was sending my account to collections and there is not room for disputes. That was the only message pertaining to the debt that I received before seeing the collection on my credit. 
My attempts to plea, and stop the charges were continuously denied and met with aggressive, hostile behaviors. I tried to send pictures to compare damages and highlight points in the lease that deemed charges not valid. I explained that when the tailwind company purchases the property in the middle of the lease that i had previously signed from XXXX ; that some wall repairs were already excused. I also tried to negotiate a price and explain that I'm not refusing to pay I just don't think I accrued XXXX worth of damages. Given my roommate was charged XXXX. Damages are supposed to be totaled per individuated leased room and common area props was split. 
I asked the apartment and collection agency to send itemized list of the charges and a description of charges to validate XXXX worth. I never received it. I've been trying contact both parties ( via phone and email ) with the various numbers listed on credit reports.I haven't gotten a response yet. 
I'm wrongfully being charged for a price that does not reflect my residency at XXXX XXXX. I was a superb tenant who always paid on time ( often moths in adavance ), never got complaints, and kept a clean unit. I never got proper notice or the chance to dispute internally.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-23
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. (CA)

On XXXX I received my consumer report and notice some unauthorized accounts reporting to my credit file. I have gone through ID theft for several years. This time my personal info was a part of a data breach with XXXX. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Accounts unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports