davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

On XX/XX/year>, I closed my checking account with XXXXBank. Before that date, I reported my check card as lost and informed the bank that my account had been compromised. I requested an immediate closure of the account and a halt to all charges, and I was assured this would be done. 

However, XXXXBank has allowed a recurring charge of {$XXXX} to go through, which I specifically mentioned was part of the issue. This charge was permitted despite the account being closed and the debit card reported lost. This account is their " SAFE DEBIT '' product, which they claim does not permit negative balances. 

I am unsure if I owe this money and can not visit a branch due to recovery from a medical issue. I also can not reach anyone at their call center, as they are " unable to match my personal information to my account. '' I want this resolved immediately. I should not be held accountable for a negative balance when I took all necessary steps to close the account and forewarn the bank of the compromise, particularly with this retailer. I also should not be penalized with a blemish on my credit report or a derogatory report on XXXX or any other credit bureau due to the bank 's negligence.
Consumer complaint received 2024-06-03
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. (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 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 2023-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OK)

The account in question was written off by the original creditor from charge-off in XXXX, I received a 1099C and paid this amount through means of taxes from filing as income ( as required ) when received. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  stating that on XX/XX/XXXX the account was sold to Midland Credit Management. 

Midland failed to send the appropriate information or any communication of any kind until XX/XX/XXXX ( which is past the 5 days ) of that date of sale. 

The materials requested by myself were as follows : - Original contract between myself and XXXX XXXX  with signature - The Purchase Agreement between myself and XXXX XXXX  with my signature - Midland 's License/Agreement to do business within my state of residence ; and if the sold account belongs to any other company, what is the licensing/contracting agreement between that company and Midland Credit Mgmt. 
- Any contractual obligation with Midland with my signature on it annotating I am legally obligated or in any binding agreement with Midland to pay a charged off amount which was 1099C'ed. 
- A itemized breakdown of any presumed charges on the account which includes interest charges on the account, any additional fee 's added to account throughout the life ( to include after default/charge off ) ; the last date a payment was made on this account - Provide any proof of service for delivery of items to validate/verify receiving of these documents ( which they have no sent ). 

On XX/XX/XXXX, a separate letter was sent ( with none of the material above given ), as a " Pre-Legal Notification '' ( which in the context of the wording can is threatening legal action ) which is a direct violation of the FDCPA.
Consumer complaint received 2023-09-19
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. (GA)

I did not give anyone working for these businesses permission to access my credit record or conduct any credit checks. 


XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX  Date of Inquiry : XX/XX/2023 XXXXXXXX XXXX Date of Inquiry : XX/XX/2023 This is a grave infringement of my privacy rights and a violation of Sectio

n 1681b ( c ) of the Fair Credit Reporting Act. Please confirm this information with these companies, and provide me copies of any paperwork related to these accounts with my signed authorization for an inquiry. I formally request that you remove these bogus inquiries from the credit file you keep for my Social Security number right away in the absence of any such paperwork with my signature on it. As per Section 611 of the Fair Credit Reporting Act, you have 30 days to finish this investigation.
Consumer complaint received 2024-07-08
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03
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. (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 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following information that appears on my Equifax Credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information if I identify information in my file that is incomplete or inaccurate, and report it to your consumer reporting agency. Your agency must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

XXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$910.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. I previously disputed this account stating : ''This account is incorrectly reporting that I have 15 late payments. On my XXXX report there are 11 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2023-09-19
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint against Equifax due to their continuous failure to respond to my credit report disputes. I have submitted disputes to Equifax on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023, and to date, I have not received any response from Equifax regarding these disputes. 

These disputes were submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, such as Equifax, must investigate and respond to consumer disputes within XXXX days of receiving them. Equifax 's failure to comply with this requirement is a violation of the FCRA and infringes upon my consumer rights.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

During COVID my wife lost her job and we couldn't pay the mortgage. We went into a temporary forbearance and then we got switched to a different servicer for our loan. They thought we were just not paying and treated us like that. Over the last year, we have been able to pay the mortgage and have paid it. They still think we can't pay for some reason and are pushing foreclosure and will not offer any other option. We can pay, will pay and will be staying in our home. Our actual lender ( XXXX XXXX ) who holds the loan wants us to be able to stay in our house and pay them off. SPS is simply just trying to foreclose. This is all from COVID time. We are now able to pay and want to find a way that works for both parties.
Consumer complaint received 2024-07-08
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. (NJ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-27
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. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I spoke with XXXX  at transunion at XXXX informing her that my online access was blocked. On XX/XX/XXXX I spoke with XXXX through live that at XXXX and informed her that my online access has been blocked. On XX/XX/XXXX I spoke with XXXX at XXXXXXXX XXXX informing her that my online access has been blocked. I was told by XXXX on the XXXX that a supervisor was being notified and should reach out. I was told on the XXXX that an internal team was handling it. Still no access to my credit report, or dispute process. It is now XXXX the XXXX. I am asking that Transunion comply with the law, discontinue discrimination against me, stop causing me further financial harm and provide me with the same rights and access as stated in your website about all consumers
Consumer complaint received 2023-09-19
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. (NY)

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 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (NC)

Myloancare support has been non-existent. I haven't even made my first payment on my loan yet and the company 's website is down, nobody answers the phone. Literally zero information provided. There are reports the company was hacked, but I have not received a shred of information on what has been compromised and what to do regarding payments. 

This is how the banking system in this country is allowed to operate. Zero accountability with the public left XXXX in the wind. 


XXXX XXXX XXXX
Consumer complaint received 2024-06-01
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)

XXXX XXXX Account XXXX - XXXX. I just received my credit report, I noticed that this account is reporting incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2400.00}. According to the FCRA, I have the right to accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

XX/XX/XXXX there was a ring at my doorbell. A young gentleman with XXXX envelope. He handed it to me and said, Youve been served. Baffled I immediately sent a letter to Hunt and Henriques LLP, explaining that Ive never received any notice to collect that debt from that company and I also asked that they Validate the debt. I asked for a signed contract between the parties and a license number verifying that they can Collect in the state of my residence in that debt validation letter. They proceed to mail me a list of itemized transactions which is not what Ive asked for. This has caused me and my family so much stress. I do not know this company. I asked again for VERIFICATION of the debt but it seems like they only want to harass me.
Consumer complaint received 2023-12-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (NJ)

I have an auto lease loan with KIA FINANCE AMERICA and my due date is every month the XXXX. On month of XXXX I missed my payment but intended to make the payment within few days. 
I came across with FDCPA law in particular XXXX Harassment or abuse along with XXXX Harassing, oppressive, or abusive conduct where the dept collector may not contact consumer more than seven times within seven consecutive days. 
During the period XX/XX/2023 to XX/XX/2023 the financial institution contacted me 14 times which is a violation of FDCPA section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ). I am seeking compensation of {$1000.00} per violation base on 15 U.S. Code 1692k - Civil liability.

Attached you will find screenshots from my phone where the communications are circled. The financial company contacted regarding the same dept the other number on file with similar frequency. 

thank you for your effort resolving this issue
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I want Equifax to state if my account was one of the accounts involved in the lawsuit. My Equifax credit score is substantially lower than XXXX and XXXX by XXXX points using the XXXX XXXX XXXX XXXX Because of this substantial difference I was given higher APR on my vehicle financing resulting in a higher monthly payment. Further, the information on all three credit reports are the same this their credit scoring model seems odd, which leads me to believe that my account is one of the accounts involved in the coding error fiasco in XXXX. Further, Equifax is primarily used in other factors such as housing which can result in denial of housing credit products and housing.
Consumer complaint received 2024-06-03
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.