davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is reporting on my credit report for an insurance policy that I had canceled they are trying to charge me when I called and canceled the policy I did not want insurance at the time they are saying I owe this money for I had another insurance company that I went with
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

Credit Collections Services is a debt collector for XXXX XXXX XXXX. They first contacted me by text at the end of XXXX of XXXX. They never sent validation of the debt within the 5 days of the initial contact as required by law. I contacted XXXX directly and got a copy of my contract and bill history on XX/XX/XXXX. After review, it was evident that the amount owed was incorrect. On XX/XX/XXXX I sent a written request disputed the amount owed with attached documentation of the bill history and contract. Sent by certified mail. They never responded. On XX/XX/XXXX, I called customer service to follow up on my request, I was told they had the request, but nothing was being done. They gave no indication that they were going to pursue my request. or validate the debt. I gave them specific documents and a letter explaining why the amount was not accurate. On XX/XX/XXXX I received the first communication from them in writing with no validation of the debt. 
They do not take me seriously. They say they have called me 13 times. But I have no messages from them. They were successful one time by text, but they have not texted me since then. They are rude and very disrespectful. I have the right to dispute the amount and get a validation of the debt, but they don't care.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I have opened a business account with chase. I understand that funds needed to be generated. I wasn't able to put funds into the account until my business started. chase have closed my business account without no explanation i have called asked to speak to managers they have not been professional about contacting me about this matter, so i just lost in the XXXX
Consumer complaint received 2024-10-01
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. (AZ)

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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Higher Education Servicing Corporation, Inc. (TX)

To Whom It May Concern at Consumer Financial Protection Bureau, I am writing to formally dispute the negative reporting on my credit report concerning my account with the Higher Education Service Corporation ( HESC ). Below is a summary of the issues that have led to this dispute : Higher Education Service Corporation ( HESC ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Account XXXX XXXX XXXX XXXX XXXX Loan # : XXXX Loan # : XXXX Change of Payment Address : HESC changed their payment address without adequately notifying me. They claim to have sent an email on XX/XX/23, which I have not received despite thorough checks of my email, including spam and junk folders. 

Misdirection of Payments : Due to the lack of communication about the address change, my payments were sent to the old po box and were not applied to my account. This led HESC to place my account in a 60-day past-due status.

Negative Reporting to Credit Agencies : As a result of the misdirected payments, HESC reported negative feedback to all credit agencies, including XXXX, XXXX, and XXXX, severely impacting my credit score and financial standing. 

XXXX XXXX : I immediately corrected the outstanding balance once I became aware of the issue. Despite this, HESC has refused to retract the negative reporting, stating that " no servicing error has occurred. '' Good Faith Attempts : I have made all payments in good faith based on the information available to me. I have also made immediate efforts to resolve the issue upon becoming aware. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and remove the negative reporting from my credit report as it is unjust and impacts my financial credibility. I have acted in good faith and expect the same from HESC XXXX, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE BEEN NOTICING MULTIPLE INQUIRES FROM THE SAME COMPANIES APPEARING ON MY CREDIT REPORTS, COMPANIES THAT I ALREADY HAVE CREDIT CARDS WITH AND MOST OFFFER CREDIT CARD INCREASES WITH A SOFT PULL. I HAVE FILED AN IDENTITY THEFT REPORT BECAUSE I BELIEVE SOME ONE HAS MY INFORMATION. I HAVE REACED OUT TO ALL THREE CONSUMER AGENCIES WITH LNO LUCK ON GETTING THESE FRAUDULENT INQUIRES OFF, WAS TOLD THAT IT WAS NOTHING THEY COULD DO. THESE INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALREADY HAVE XXXX XXXX AND XXXX XXXX WHY WOULD I APPLY FOR THEM AGAIN I SHOULD HAVE 1 OF EACH NOT 3 OR 4, BUT THE REPRESENTATIVE SAID SHE CANT DO ANYTHING EVEN AFTER I TOLD HER THESE INQUIRES WERE FRAUDULENT AND I HAVE MAILED IN MY DOCUMENTATION. THIS WAS XX/XX/2023 AT XXXX XXXX  WHEN I CALLED ALL 3, MAJOR CREDIT AGENCIES. I HAVE BEEN TRYING TO FIND A APARTMENT BUT I KEEP GETTING DENIED BECAUSE OF ALL THE FRAUDULENT INQUIRES, I WILL BE HOMELESS IN 30 DAYS IF I DONT FIND A PLACE
Consumer complaint received 2024-10-04
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (FL)

There are multiple unauthorized uses of my credit report that I did not approve or make, I have no association with these accounts that were trying to be opened. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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.

Please remove the following items from my credit report, immediately : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
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: Atlanticus Services Corporation (IL)

I had an account with Fortiva Credit Card company through XXXX. There was a late payment of {$30.00} or something that they kept on sending to my old home address. As a result, I missed it. That caused XXXX point reduction in my credit score. Fortiva did not contact me by any other means to notify me about late payment or the payment either. I tried contacting them multiple times, talked to several supervisors to remove that from my account. But all in vain. I learnt about the XXXX point penalty only after applying for a home mortgage loan last year. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 that states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

So, I request CFPB to help me resolve this issue since creditor has not at all.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (FL)

My name is XXXX XXXX. I have a problem with a collection agency called Firstpoint Collection that is reporting I owe them a debt for XXXX XXXX  however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all XXXX credit bureaus since they cant provide that contract and no success as a XXXX XXXX of the XXXX  I feel this is wrong and I need it fixed please is hurting my credit.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-10-01
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. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Blakely-Witt and Associates, Inc. (TX)

Rented apartment and they lost two money orders in two months so we were needing to move as they did not want to wait on payment of both. They took us to court, there was court judgement for SPECIFIC AMOUNT. XXXX. COURT! About a year or more after this company for management went out of business, this COLLECTION agency seems to have purchased docs and are trying to EXTORT the amount for entire lease which is not legal. When there is a court judgement for specific amount. The COURT has said this. We have spoken to COLLECTION company who is EXTORTING us and keeping this on our credit report many times and sent them the court order. They REFUSE to remove. At this point, the debt is over 6yrs old! From the ORIGINAL timing not the time they purchased papers. We want this removed or at the very min for this amount to be what is CORRECT BY COURT!! We moved in XX/XX/2017!! Again the amount the COURT ordered was paid. There should not be a way a COLLECTION company can purchase paperwork and try to charge you nearly XXXX for time you DID NOT LIVE at a complex!!!! The debt collection agency is XXXX XXXX and XXXX. - original creditor was XXXX at XXXXXXXX XXXX.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Debt Mediation, Inc. (FL)

Two collections agencies have reported the same a debt on my credit report, all of which does not belong to me. They are XXXX. XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX. XXXX XXXX XXXX. 

I have request the original purchase agreement that shows the legal owner of this alleged debt. Also, requested that they include all the terms and conditions that are included in this purchase agreement. 

In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my Federal Protected rights to privacy and confidentiality under 15 USC 1681. I informed XXXX, XXXX XXXX and XXXX to reinvestigate these accounts and to remove and deleted them from my credit report, immediately. However, only XXXX XXXX XXXX was deleted. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602A, states the right to privacy. 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructionswhich I did not provide to them. Furthermore, these alleged debts are over XXXX XXXX XXXX and by law any debts XXXX XXXX XXXX must be removed and deleted. 

My information has been impacted by these credit bureau and has cause extreme stress. These credit bureaus sold, bought and traded illegally. I am requesting The FCRA states that accounts and collections must be complete, verifiable and accurate. XXXX XXXX XXXX and XXXX XXXX XXXX have both illegally reported this alleged debt on my credit reports causing a significant amount of stress, embarrassment and loss of receiving credit. Requesting that these items be deleted and removed in a timely manner. 

Thanks you
Consumer complaint received 2023-11-10
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: Experian Information Solutions Inc. (MD)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (KY)

I have no idea about this debt. I almost paid the collector, however upon requesting paperwork from the original debt, the company stated that I wasnt able to access that paperwork until I see a judge, that it would be made available in the discovery packet. I have contacted the company they state I owed money to, and this company stated I have never had an account with them ( I used the social, account number, and name provided to me by the debt collector ). XXXX XXXX XXXX ( XXXX XXXX ) is the company. I requested all transaction and signed paperwork ( that they claim they have ) again today, and was denied until litigation begins. Theyve told me if I pay today, itll be {$1100.00}, but if I dont and request the papers, they wont settle and will request the fill {$6000.00}. I have never even heard of the company theyre stating I owe money to. 

I have requested that the company stop all collection efforts for a reasonable timeframe ( 30 days ) until the requested paperwork has been received and ample time permitted to review and validate the legitimacy of the debt. The company refused, and actually laughed at my request. They will NOT give me any proof of this debt ( other than a paper from the collection company ) unless I agree to go to litigation for the full amount and all associated court and legal costs.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-10-18
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. (TX)

I am a victim of identity theft and I've been dealing with this for months now and Im now having the same problem I had with XXXX and XXXX that I am now having with Experian. Some one stole my identity, used my maiden name and obtained a federal student loan through XXXX to attend XXXX XXXX XXXX in Louisiana. Ive tried to contact the school I have yet to hear back from them. Im still battling with XXXX XXXX to get this off my credit and all obligations to this loan. I have summited a police report and other documents supporting my dispute. I was informed that the loan was obtained by the thief in XXXX of this year 2023 to an address in XXXX XXXX Louisiana. Ive never went to school there nor have I ever lived in Louisiana. Born and raised in XXXX. I also have proof of residency for the time frame the loan was obtained. I am seeking help in this matter. It has caused major XXXX and delay in plans for a home. I have also files under XXXX as a few websites have suggested. Im so lost at this point and hoping that someone can help me thank you.
Consumer complaint received 2024-10-04
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this