davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

CONSTANT HARRASSMENT AND BULLYING FROM XXXX XXXX, GCCB ( Gulf Coast Credit Bureau. For 7 months now, over XXXX voicemails, calling my work number, and terrorizing me in the evening with my child watching my phone constantly ringing. 

I have no outstanding debt. They are FALSIFYING information and honestly, there needs to be a class action lawsuit against these terrorists.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

When making a CC payment online using the BoA website on XXXX XX/XX/year>, The account overview indicates a Statement Balance of {$1000.00}. See attached screenshot 01. 

This statement balance was paid in full on XXXX XX/XX/year> and is therefore not owed to BoA as of that date. See attached screenshot 02. 

When I clicked on the " Make payment '' button ( from attached screenshot 01 ), this presents the " Make payment '' dialog box. When I clicked on the " Amount '' field, the resulting drop-down is populated with Statement Balance : {$1000.00} as a payment option, this amount was paid in full on XXXX XX/XX/year>. This amount is NOT owed to BoA and is {$440.00} more than the {$580.00} Current Balance, also included as a payment option. See attached screenshot 03. 

Inclusion of an amount that has already been paid, as a payment option, is in my opinion, a deceptive practice intended to mislead customers into paying amounts that are not owed.
Consumer complaint received 2023-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/2023 the NJ court officer requested funds to be held on my personal checking account be held on a very old past debt. These funds are protected by law as they were my unemployment benefits which have since been depleted. I have attempted by phone, fax & mail to have these funds be released back to me and no one is assisting
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion reported an account that has been closed since XX/XX/XXXX. Upon disputing that account several times they have failed to remove the account that took my score from fair to below average. The account in question is XXXX XXXX whom have provided me with a direct line and extension to be contacted and give to Transunion along with a confirmation. 
Confirmation code : XXXX Ext : XXXX Amount settled XXXX Transunion has been notified by me and the debt collector and has failed to fix this problem and or in violation of fair reporting act. Please remove this issue immediately as follows : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-13
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according

to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as
appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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. 

REMEDY : Delete All Included Fraudulent Accounts 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 From my credit report, because of multiple violations of the fair credit reporting act.
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (IL)

My Mortgage was sold by XXXX XXXX to Chase Mortgage over a month ago and I was told that by XX/XX/XXXX, my escrow funds would be posted on the website. To date it is not and my request for a statement has been ignored as my escrow balance is $ XXXX XXXX. Yet the amount that came over from XXXXXXXX XXXX and with a subsequent payment now totals over {$6900.00}. 

I have requested call backs from managers so as to find out what the hold up is and get a statement/letter/email with my escrow balance. Which they have ignored.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion are reporting the lowest possible score to banks and lenders. Such as words like derogatory, garnishment, repossession, too many delinquent accounts. None of which is true. 
No garnishments No delinquency No reposession They boldly highlight a bankruptcy that was result of fraud by XXXX causing extreme financial stress. 

They continue to show Government Residences year after year as a debt owed when they owe me!!! Must be removed immediately. My bank denied me credit as a result of this malicious and inaccurate report My credit score with XXXX is almostvXXXX a dc with Transunion only XXXX!!!!! This needs to be corrected right away. They are showing the worst report to lenders with inaccurate information about me!!!! Has ton stop!!!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

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 2024-09-24
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. (MO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. Ive always monitored my credit report, but this time there were discrepancies that appeared out of nowhere. I tried refreshing the page, hoping it was just a glitch, but the accounts remained. Now, Im urgently asking for my documents to be thoroughly reviewed so that I dont have to worry about this happening again.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

I am writing to dispute the following information that appears on my credit report on XX/XX/2023. 

Inquiry from XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from XXXX CARD SERVICES on XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but today, there were errors that came out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The errors remained, and Im really concerned about this. I hope the documents Ive submitted will be reviewed carefully so I can stop worrying about this ever happening again.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX  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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX 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
Consumer complaint received 2023-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (VA)

It has come to my attention that I have a bill with bon secours in the amount of {$240.00}. I have not received one bill from bon secours providing detailed information regarding this particular bill balance. This particular bill was bought to my attention by amcall systems which is a collection agency used by bon secours. I advised and call that I was not aware of this particular XXXX 's details and that I need it and itemized statement if I recall correctly they were going to send this particular XXXX back to XXXX XXXX. I am not sure if they did that or not but it doesn't seem they did because today I received a call from the CBE Group which is a different collection agency that apparently will sue those who have a debt. I advise the CBE group that I wasn't sure about this bill and I wanted an itemized statement, the representative advised she would put in a request for it but I also contacted XXXX XXXX directly to consult with them about this particular bill. According to the XXXX Representatives I spoke with they claim that statements were sent to me via mail from XXXX XXXX. I have received other bills from XXXX XXXX just fine but I have not received this bill and they are not willing to bring the bill out of collections to give me an opportunity to review the bill. As of moments ago they sent me a digital itemized statement of charges via mychart.mybox.com/mychart/billing/details. I have logged in to view both of those statements which are duplicates actually and they are not itemized the only thing on these XXXX statements is information regarding my patient details which are my name account number balance service date facility and Department along with my address. On the portion of the statement that shows charges the only thing it shows is the service date the REV.code, THE PROCEDURE CODE, THE DESCRIPTION, A QUANTITY, AND AMOUNT OF {$1000.00} AND THEN IT SHOWS PAYMENTS AND ADJUSTMENTS OF A PAYMENT DATE OF XX/XX/2022 WITH A DESCRIPTION NEXT TO THAT SAYING XXXX XXXX PAYMENTS IN THE AMOUNT OF {$260.00} AND UNDER THAT IT SHOWS INSURANCE ADJUSTMENTS MINUS {$510.00} PATIENT PAYMENT {$42.00} WITH A TOTAL PAYMENT AND ADJUSTMENT BALANCE OF {$820.00} IN ADJUSTMENTS LEAVING A OUTSTANDING INSURANCE BALANCE OF XXXX AND A CURRENT PATIENT BALANCE OF {$200.00}. THIS IS NOT AN ITEMIZED STATEMENT AND ITEMIZED STATEMENT SHOULD TELL ME EXACTLY WHAT THAT XXXX IS COMPRISED OF. I WANT TO KNOW EXACTLY WHAT I WAS CHARGED FOR IN THE EMERGENCY ROOM SO THAT I CAN CONFIRM THAT EVERYTHING IS ACCURATE AND XXXX XXXX IS NOT PROVIDING THAT. PLEASE EXCUSE THE CAPITAL LETTERS I DON'T KNOW WHY IT HAS DEFAULTED TO CAPS.