davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

XXXX : Debt buyer- XXXX XXXX XXXX & XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX  for communications purposes. I have never banked with or made an account with this XXXX  or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U-verse Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around the U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. 



All in all, none of these collections companies have failed to verify my debts, contracts with my original signatures, or my current address and the original creditors never received my consent to sell of my information to the collection companies.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning Section 1681s-3 of the Fair Credit Reporting Act ( FCRA ) and to request your compliance with the obligations outlined within this section. 
The 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! In light of the above, I kindly request that you review the reporting of late payments associated with my credit file and take the necessary steps to rectify any inaccuracies or incompleteness in accordance with 15 U.S. Code 1681a ( 2 ) ( A ) of the FCRA.
Consumer complaint received 2024-04-07
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

I am writing to file a complaint against Wakefield & Associates and XXXX regarding the handling of an alleged debt on my credit report. Despite my efforts to dispute the debt and seek verification, both entities continue to report the debt without providing the necessary proof of its validity. 

Details of the Complaint : Wakefield & Associates : Account Number : XXXX Alleged Debt : Medical in nature Date of Dispute Letter : XXXXXXXX  Violations : Failure to provide verification of the debt within the mandated 30-day period. 
Continuing collection activity without proper validation. 
Possible false representation of the debt. 

XXXX : Account Number : XXXX Alleged Debt : Wakefield & Associates, Account Number XXXX Date of Dispute Letter : XXXX Violations : Failure to conduct a reasonable investigation into the dispute. 
Reporting the debt as verified without providing proof of its validity. 
Failure to update information accurately.
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

I have a loan with NewRez, who bought it from XXXX XXXX XXXXXXXX. XXXX ID XXXX. 
Over the past 10 months NewRez has failed to send me a bill or sent that bill late 5 times. I paid the XXXX bill with a check dated XXXX XXXX, NewRez did not cash that check until XX/XX/2023. Apparently that prevents their computerized system from sending out the next bill, We never received a XXXX bill, and only received the XXXX bill, due XX/XX/XXXX, on XX/XX/XXXX. 

This appears to be a systematic pattern intended to garner late fees and bully mortgage holders into electronic payment, When XXXX informed us that we had missed a payment, we sent the XXXX and XXXX payment immediately. It cleared our bank on XX/XX/XXXX -- less than 30 days after the due date for the XXXX bill that was never sent. 

NewRez has refused to rescind the penalty and has filed an adverse credit report. This appears to be a systematic process to increase profits.
Consumer complaint received 2024-04-07
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX 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 2024-04-07
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. (IL)

also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX  paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. EQUIFAX, XXXX, AND XXXX FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF XXXX  I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY 3 DAYS LATE AND NOT THIRTY DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXX  I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXXXXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XXXX XXXX WHICH IS ONLY 5 DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (NC)

My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that XXXX accounts that I have no affiliation or knowledge of has been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681B. 

ACCOUNTS LISTED ARE : 1.XXXX XXXXXXXX XXXX XXXX, the account balance is {$4900.00} ( not sure when opened ) 2. ONE MAIN ( account is dating back to XXXX ) and unsure of the balance I also have an inquiry listed for a company called XXXX XXXX  from XX/XX/XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc. (VA)

I am writing to let you know about the fraud that a company or a program which until recently called itself XXXX XXXX and now calling itself EarnUp committed. CGPB actually had a ruling against it in https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-mortgage-payment-company-and-servicer-for-deceptive-ads/ They took our money and won't pay the bank for the mortgage. They won't pick up the phone or call back. We don't know what to do.
Consumer complaint received 2024-04-07
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. (AL)

This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX with credit cards ending XXXXXXXX XXXX XXXX XXXX XXXX  card ending in XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXX XXXX  XXXX XXXX credit card ending in XXXX. All of these companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loan will make several calls everyday about payments. They have been verbally asked not to call repeatedly with the intent to harass me in between payments. I received a letter via USPS mail regarding a past due balance of {$190.00} dated XX/XX/2023. Tower loan then had someone come to my home from their office in XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ) and put another letter in my door that was dated for XX/XX/2023 for a delinquent amount of {$190.00}. Tower Loan does not have a lien on any collateral here at our home and had no reason to come there. The loan was acquired via a live check that was mailed to my home that was deposited into our account and no collateral was offered as a means to secure the loan. This type of collection practice should not be occurring and under no circumstance should they be visiting my home.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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. (ID)

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.
Consumer complaint received 2023-09-20
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)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. The actions of your bureau have left me deeply troubled and frustrated. What I find particularly perplexing is that both XXXX and XXXX have taken prompt action to remove the disputed accounts from my credit report, and yet TransUnion has chosen to dismiss my claims. This stark inconsistency in your response only adds to my distress and frustration. XXXX XXXX XXXX XXXX XXXX. Please delete.
Consumer complaint received 2023-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/
Consumer complaint received 2023-09-20
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)

Under the Fair Credit Reporting Act, XXXX Account XXXX for XXXX has violated my rights.

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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Consumer complaint received 2024-06-26
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. (PA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-06
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. (GA)

In XX/XX/2023, I provided Equifax with a significant volume of evidence exposing the fraudulent and unauthorized nature of the accounts tarnishing my credit file. This comprehensive submission, including a legitimate report from the Federal Trade Commission with a NOTARIZED ( FTC ), and indisputable proof of identification, should have merited the immediate removal of the nefarious account. Despite my ongoing submission of extensive documentation outlining the inaccuracies of these accounts and the impropriety of its reinstatement, the lack of reinvestigation is deeply troubling because all items are supposed to be investigated before they are added to credit report. In adherence to the Fair Credit Reporting Act, the failure to verify the debt within 30 days mandates its immediate removal. Your correspondence asserting debt " verification '' is blatantly false under the law. It is obvious that unauthorized individuals have exploited my information, and merely confirming matching data does not constitute a valid verification process. ACCOUNTS IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide evidence they are mine, or delete them. These Accounts are Not Identifiable, and unlawfully reporting on my credit report. Equifax is unable to verify the accuracy and proof of ownership for these accounts, which constitutes a direct violation of the FCRA. Equifax 's conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that Equifax take immediate corrective action to rectify the inaccuracies in my credit report or I will pursue legal actions to recoup compensation for the damages I have suffered as a result of their actions. Attached is a certified UCC 11 information request form showing no liens or debt obligations in my name.
Consumer complaint received 2023-09-20
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. (NJ)

This is my follow-up for my complaint to remove these unathorized inquiries from my XXXX and TRANSUNION credit report ... XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-26
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.