davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

I received XXXX XXXX from Chase bank in XXXX of XXXX. These cancelled the debt 's I had owed them on XXXX credit card accounts. They continue to report these accounts as late and with a balance, even though they were charged off in XXXX and cancelled effective XXXX XXXX. I paid the taxes on the cancelled debt as income on my XXXX tax returns. I have disputed this information multiple times with all three credit reporting agnecies and Chase always refuses to change the informaiton. I have attached the XXXX XXXX for your reference.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TD BANK US HOLDING COMPANY (PA)

I became behind on payments due to financial hardships, TD Bank began calling me XXXX times a day everyday. I clearly stated to the representative that I was enacting my rights granted under the guidelines set by the FTC for them to cease contact immediately. TD Bank continued to call me XXXX times daily for months until I finally was able to make them remove my number from their calling list last month. Now they have turned the account over to XXXX XXXX who has began calling me daily. I spoke to a representative yesterday XX/XX/2015, and informed them I was under a do not call list, and verified XXXX times that they were removing me from their calling list. Today,XX/XX/2015, XXXX XXXX contacted me again to collect the debt. I spoke to a supervisor who identified herself as XXXX ( sp? ) And informed her that I was to be put on a do not contact list, she then stated there is no record of this request. After I informed her a third time that I was to be removed from the calling list, she still attempted to collect payment after I stated that I did not feel safe making any transactions over the phone with their company.
Consumer complaint received 2015-08-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hauge Associates, Inc. (SD)

I contacted Hauge and Associates via mail sent XXXX XXXX 2015 requesting validation of debt. I askfor them to send me back the requested information within 30 days of receipt. They never sent me any information, and rufused to validate, however they update the credit bureaus on XXXX XXXX. 'Account information disputed by consumer, meets FCRA requirements '. It is my right to be givin proff the debt is mine, and it is unfair that they continue to be unresponsive to my request.
Consumer complaint received 2022-11-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) TransUnionshall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identit
y theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-16
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. (PA)

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 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 Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C . 1681 section 602 A states I have the Privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting containing any of the following Items of information any other adverse item of Information other then records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-15
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. (NM)

i am a victim of XXXX XXXX, that being said i have filed so many complaints to all XXXX major credit reporting agencies and they all have failed me multiple times saying that they validated all the accounts that have been opened fraudulantly opened in my name.
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

I am writing to file a formal complaint against Midland Credit Management ( MCM ) for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ). These violations began in XXXX of this year and include numerous inaccuracies on my credit report, many of which appear to be retaliatory in nature. 
Specifically, MCM has : Reported inaccurate information : They increased the collection account balance on my credit report in XX/XX/year> ; this was in retaliation for my credit bureau dispute that month They are and have been reporting a fictional XXXX late payment for XX/XX/year> ; this is a debt buyer, there is NO payment history and their own staff confirms this in recorded calls They have manipulated the date of first delinquency to XX/XX/year> a clear FCRA violation meant to drive down my credit score and extort payment fraudulently They have responded to multiple disputes by fraudulently certifying to the bureaus that the information they are reporting is accurate Failed to investigate and correct disputes : I have contacted MCM at least 10 times since XXXX to dispute these inaccuracies. I have phone records and recordings of these conversations where I clearly inform them of the errors in their reporting. Despite my efforts, MCM has failed to conduct a proper investigation and correct the inaccurate information. 
Engaged in potentially retaliatory reporting : After I disputed the initial inaccurate information, MCM added more balance to the collection account and began manipulating the date of first delinquency. This appears to be retaliation for my attempts to exercise my rights under the FCRA. 
Continued to report disputed debt : In a phone call with MCM on XX/XX/year>, a representative acknowledged that my debt is in dispute. Despite this acknowledgment, they attempted to collect payment from me, even offering to " make it go away '' with a XXXX or XXXX. This is a clear violation of my rights under the FCRA, and the FDCPA. 
These actions by Midland Credit Management have caused me significant harm, including : Directly resulting in landlord adverse action denials The closure of a decade-old XXXX  XXXX tradeline was due to a re-evaluation of risk predicated upon fraudulent data reported by MCM. MCM also confirmed they contacted XXXX XXXX following my dispute triggering the risk evaluation. This lowered my credit score by over XXXX points Extreme duress resultant of repeated and intentional infliction of emotional distress Tortious interference with economic opportunity I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action against Midland Credit Management. I am prepared to provide all necessary documentation, including phone records, recordings of conversations, and copies of my credit report, to support my claims. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-06-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have a HAMP Loan XXXX through OCWEN Mortgage. Several years ago you handled another problem I had with them quite satisfactorily. The original loan was through XXXX XXXX XXXX. After some months OCWEN took transfer rights. At the time of transfer OCWEN applied {$430.00} in fees on my monthly statement. I inquired as to why I was getting this added fees. They told me it was transfer fees. This is a HAMP Loan there are no other fees to be applied during the duration of the loan. I refused to pay these fees and to this day they remain on every statement each month. The fees applied to the last statement was {$360.00}, why they dropped I do n't know. I do not owe these fees, I have never been late on this loan and am in good standing on the loan. I 'm getting extremely agitated seeing them on my statement every month listed now as past due fees/other charges. Any help you might give me would be greatly appreciated. As I said you took care of the other problem I had with them right away. This problem did not start appearing until I had the loan with them for several months. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX E-Mail XXXXXXXXXXXX Phone XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am filing this complaint due to XXXX failure to investigate my disputes in violation of FCRA regulations. According to XXXXXXXX XXXX website, they outline the acceptable forms of ID verification required for disputing inaccuracies on credit reports. I followed their instructions and submitted the proper verification. However, instead of processing my disputes, they sent me a letter claiming that my disputes were not submitted by me and that they would not proceed with investigating my claims. 

XXXX engaged in the same conduct, also in violation of the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputes. Meanwhile, Equifax failed to respond to my disputes altogether, further violating FCRA guidelines. 

I have attached all affidavits sent to each credit bureau, along with the exact same forms of ID that were submitted with each dispute. Please review the attachments for further details. 

Thank you for your attention to this matter.
Consumer complaint received 2022-11-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian is reporting an inaccurate incorrect Bankruptcy on my credit report i disputed they claimed to have verified received a copy of my report from their source doesn't reflect any bankruptcy so i am not sure as to why they are reporting inaccurate unverified erroneous information on my report would like them to investigate as to why they are reporting incorrect information on my report
Consumer complaint received 2022-11-16
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). 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 information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}
Consumer complaint received 2022-11-16
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-16
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. (LA)

On XX/XX/22 I disputed the account XXXXXXXX XXXX XXXX XXXXXXXX as a result XXXX DELETED the account stating that the account was violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and was removed from my XXXX and my XXXX. Equifax is still reporting this account on my credit report, and this is causing me hardship. This account has been deemed as violating my rights under the FCRA as a consumer, and I have disputed this account several times with Equifax they have removed this account and days later put the account back on my credit report. I have attached proof. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2
Consumer complaint received 2022-11-16
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-16
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: ALLY FINANCIAL INC. (CA)

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. 

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}
Consumer complaint received 2015-06-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (IN)

I had a debit from my doctor and i couldnt pay it so they forward it to AMERICOLLECT, this bad company didnt just place the collection for the amount, they split it into XXXX collections to harm my credit and force me to pay it, i called them and i asked to pay each one separately as they posted on claims, i would pay XXXX and they would remove it i said, they refused and they wanted me to pay for the whole thing. 
i do n't know whats going on and how they are able to twist the law like this, for XXXX claim they separate it into XXXX and refuse to settle each XXXX separated as they posted, i believe there is no control on these companies who abuses the collection laws.
Consumer complaint received 2024-09-27
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX