davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-06-28
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)

I have enclosed some information from the courts.The District Court of Maryland dismissed the account.So why are they still trying to collect.Why are they still reporting this to my credit report.This is a clear violation of my federal consumer law rights.Its a violation of constitutional rights and the FCRA/FDPA I will be contacting the Attorney General for the State of MD I may also sue tooIts a violation of the FCRA and FDPA
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

The collection from WAKEFIELD & ASSOCIATES is invalid. They are attempting to collect a debt that is not mine and have been unable to provide the supporting documentation and are violating the Fair Credit Reporting by providing information that is not correct. I have provided a identity theft report for supporting documentation as the company reporting has failed to support the billing that is erroneous.
Consumer complaint received 2022-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Following XXXX. In XXXX, I received an email from out of nowhere from a XXXX XXXX from XXXX. XXXX about getting a fixed loan rate 3.50 permanent. I thought this is what I was working with him on, I never stated, I wanted a loan modification. I would like to find out if he is involved with this split loan. I was doing well already and didn't need a mod,. So this split my loan and having me pay some now and maybe the rest when I'm XXXX. I didn't approve this agreement and I have been worried sick about these changes. I plan to work diligently to get to the final of this sabotage agreement. Phh and Ocwen didn't give me the info I requested, I wouldn't have made this move with truth be told. I don't have these documents in possession with XXXX XXXX. Authorized Officer never heard. I've been paying on this loan and I still owe the same amount. Also the escrow payment that was supposed to receive took it from me and put it on the back of the loan without my agreeing to it. I did not REQUEST A MODIFICATION IN XXXX.
Consumer complaint received 2024-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received notification from multiple credit monitoring companies on XX/XX/year> that a hard inquiry was submitted for me by Capital One. I immediately put a freeze on all three credit reports. I then contacted the number for Capital One provided by one of the credit reporting agencies. Capital One could not locate me in their system and kept telling me they were not credit experts. No additional help was provided. I submitted a dispute with XXXX and XXXX ( XXXX will take longer, as they require a letter be mailed ).
Consumer complaint received 2024-06-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

On XX/XX/year> I had just gotten accepted into college, I was looking for a new WiFi provider because my current one was giving me a lot of problems. The WiFi would constantly jump on and off and the bill was increasing every month. So I called ATT XXXX. I can not remember the agent 's name, but I know it was a guy. I asked him about the WiFi service. I asked about the pricing, the internet connection reliability, bandwidth, and broadband. He answered my questions then he goes on to tell me about the different kinds of package deals that had. I told him I wasn't interested in that. He was very persistent with it. He didn't speak anymore about what I had called for, he was talking about how he can get me a discount and how he can get me more channels for a lower price. I told him never mind about the WiFi service because I'm not interested in the other stuff I only wanted WiFi and I proceeded to tell him that's ok I'll just stay with the provider I have. I then hung up the phone. I would say probably 4 days later I get ATTXXXX equipment delivered to my house. I took the equipment and put it in my closet. Never installed the equipment. I had then started receiving Bill 's from them every month. So I would constantly call them questioning them about a bill when I never installed the equipment. Bill 's were still coming until I contacted the dispute department and I talked to a lady about my situation. She pulled up my name and she told me she see where the equipment was never installed and she said to give her 7 days because I believe she was going to turn this over to someone else. I have never heard from that woman again. That is still on my credit report and I want it gone.
Consumer complaint received 2024-06-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CCF Intermediate Holdings LLC (LA)

I received an email that said, We, hereby are obligated to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with our clients XXXX XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. Due to delinquency in repaying the amount you owe ; we are going to file this case at your district courthouse. You will be served with a subpoena to appear at your district courthouse in next 3 business days. 
*I dont even have proper or trustworthy contact information to address this, I dont even live in the state that this is allegedly located.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC. (SC)

I was contacted by a man on XX/XX/XXXX, said he was from XXXX  XXXX XXXX. He said someone was wiring money {$8700.00} and I needed to complete this wire that I have never done before. He said it was the only way to catch person getting my money is to see where it went. At my local XXXX  XXXX XXXX, they showed me where my money went to a Sofi bank. But Sofi bank denied my money back. XXXX  XXXX XXXX never sent me a alert text on this wire transfer but has sent me alert on suspicious activities.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX American Express Company XXXX XXXX XXXXXXXX XXXX XXXXk, NY XXXX Employer Identification Number : XXXX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by American Express Company, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that American Express Company delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NM)

Transworld Systems Inc ( TSI ) is attempting to collect on funds not owed to provider. Provider XXXX XXXX XXXX is attempting to collect on funds not owed. XXXX XXXX XXXX has refused to bill XXXX XXXX due to fraudulent activity. The provider refuses to show cause for a bill that is {$2600.00}. I was told by XXXX XXXX XXXX when I received services that all services would be covered by insurance. XXXX XXXX XXXX  by way of Transworld Systems Inc is refusing to bill XXXX XXXX, for services that will be covered under medical coverage if they were medically necessary. I believe they are avoiding XXXX because they are involved in fraudulent activity and are attempting to bill me for services that were not medically necessary. XXXX XXXX XXXX/Transworld Systems Inc requested a pre-authorization of services, when XXXX XXXX and XXXX XXXX XXXX XXXX XXXX authorized services, XXXX XXXX staff changed the codes and attempted to game the system. XXXX and XXXX XXXX XXXX XXXX has already informed XXXX XXXX XXXX that the medical codes that they are seeking rembursment on are covered by medical insurance ( on a recorded line ). XXXX XXXX XXXX has been captured on a XXXX recorded line lying about the inability to submit a claim to XXXX XXXX XXXX. I have reported the possibility of fraudulent activity by XXXX XXXX XXXX to XXXX Fraud Compliance Line. I have allow requested that XXXX XXXX XXXX not attempt to bill me without first showing evidence to Tricare for vetting. Transworld Systems Inc ( TSI ) as well as XXXX XXXX XXXX is in violation of 15 USC 1692f : Unfair practices. Recorded telephonic evidence can and will be provided via government funded XXXX recorded telephone conversation. I will be filling a report with other federal agencies to report the activity of this provider. 

XXXX XXXX XXXX has requested that my husband call insurance and request they pay the dental provider. Staff has also lied on numerous occasions to my husband about not being able to submit to XXXX. XXXX XXXX staff has also lied on a recored XXXX XXXX line while on a three way call with my husband and XXXX representative.
Consumer complaint received 2024-06-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Propel, Inc. (IL)

I have been waiting on my direct deposit for four days now still havent received my check Providers said they fixed the issue but I still havent received my check and they wont answer the phone and they really cant tell me when will I receive my check and now it the weekend and their call center is closed
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Recently now, Reported By Law Offices Mba Reported On XX/XX/year> Account Balance {$1400.00} I do not not know who this is, claiming I've open an account loan and that I owe that amount of money. I believe it's an identity fraud, I have googled and checked who they are and it looks like a fraud/scam, they have 2 offices, one has been closed down and now another is open, Ive done my small investigation search on XXXX  on them and it seems that so many people are being harassed and scammed by this organization, Ive never heard of this organization nor I owe nobody no money, I pay everything of my credit card on time not once have I missed a payment, the evidence relies on my credit report. This organization suddenly and recently now as the date shows, appears in my credit report in which this is the very first time of hearing from them and knowing them.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CO)

Received notice of increase on Macy 's account to 34.49 %. Excellent credit, so it might be worse for others. This is usury. I am old enough to remember interest in the low XXXX when the fed rate was more than double what it is now. I hear that many department stores are doing the same. Seems coordinated. Investigation requested.
Consumer complaint received 2024-08-19
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. (NJ)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wonder how many more times do I have to send you a complaint for you to finally check what really is going on. I want to have these accounts that are reporting inaccurately on my credit file removed because I am not getting as much chances in getting my loan approvals because of my score.
Consumer complaint received 2024-06-29
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: JPMORGAN CHASE & CO. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX JPMCB/CARD XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Account # XXXX Notice to agent is notice to principal notice to principal is notice to agent { JPMCB # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX, XXXX, XXXX } You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { JPMCB # XXXX } from my consumer reports. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Adelante, Inc (TX)

I received reviews my XXXX and XXXX accounts and a removed collection account remain. Account Services ( Debt Collector ), remains and has recently sent an itemized bill containing service received from medical provider which is a FCRA/HIPAA violation . My rights are being violated, not only since they can not verify the debt or produce a 1099c. I'd like this to be removed from my remaining credit files from XXXX and XXXX.
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc. (LA)

This is XXXX XXXX I talked to my XXXX company XXXX and XXXX they said that bill was paid do not worry about it so I did not worry about it until a year later I started getting letters and next thing you know it popped up on my credit report and I called and talked to him and I received the letter through my XXXX stating that that bill was paid and XXXX balance and why is that still receiving collection letters in the mail stating that I owe {$1500.00} for XXXX XXXX XXXX XXXX in XXXX XXXX XXXX here in XXXX XXXXXXXX XXXX  I do not have that type of money to pay anyone because I pay rent I pay XXXX XXXX I buy food and I had to pay utilities which I received XXXX a month I don't have anything left to pay anything I receive XXXX and I have XXXX and XXXX part a and b