davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
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. (IN)

Subject : Non Response Letter. I submitted documentation for Equifax to remove all inquiries and XXXX XXXX XXXX because I did not signed a contract with them on XXXX XXXX. I received a letter from Equifax on XX/XX/2023, XXXX hours later stating that the reinvestigation was completed and everything will remain on my credit file. Equifax did not do a proper reinvestigation into the items I disputed. I have requested a method of verification documents under Section 611. I have requested a proper reinvestigation of the disputed items on my credit report. Under Section 609, I requested all information Equifax have on my file. Under Section 610, I have provided all the proper identification that is required for me to get the information. Under Section 609, I have requested copies of all documents that Equifax used to verify these accounts were accurate. I have respected to receive a response within 15 days of this notice I sent earlier this month. I never received a response from Equifax, which is a violation of my rights. I sent this letter by certified mail to all CRA 'S. There was no XXXX digit dispute code to reference what I am trying to dispute. My suffix name is not XXXX. Which is another violation, and wrong address. If accounts are still on my credit report, I will send a intent to sue on the violations of Section 609, 610, and 611.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2023. XXXX XXXX reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late.
Consumer complaint received 2024-03-28
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. (CA)

I am writing to formally dispute several unauthorized credit inquiries that are erroneously listed on my credit report. I have recently reviewed my credit report and found multiple inquiries that i neither authorized nor recognize. These inquiries have adversely affected my credit score, and i request your assistance in resolving this matter. 

the following are the unauthorized inquiries listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i assure you that i have not initiated any transactions or relationships with these institutions that would warrant a credit inquiry. Therefore, i believe these inquiries are the result of an error or potentially fraudulent activity. 

I kindly request the CFPB to investigate these inquiries and remove them from my credit report as soon as possible. This correction is vital to maintaining the accuracy and integrity of my credit history.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 : 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 2018-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Company has repeatedly sent me letters trying to collect a medical debt that is not mine in the amount of {$1200.00} on XXXX XXXX for a person named XXXX XXXX who resides at XXXX XXXX XXXX , XXXX , Texas XXXX. His birthday XX/XX/XXXX. 
His phone number is XXXX. 

This is not me. I have tried to explain to this to the person on the phone with the debt collector agency ( Commonwealth Financial systems ). He was a completely unprofessional and not willing to help me at all. They have even reported it to XXXX. I have excellent credit and this has lowered my credit score. Please help. Not sure what else to do. 

Warm regards, XXXX
Consumer complaint received 2024-03-28
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. (NV)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX 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 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Indie Technology DBA Found (CA)

On XX/XX/XXXX I made a purchase with my debit card online with a company called XXXX XXXX, this is when the issues began between this company and my bank, because this company placed a temporary hold on my account and stated that after few days it would fall off., The Hold hold wasnt resolved so I had to reach out to my bank to resolve it on their end I had to dispute the hold. It was eventually resolved, but not without pulling teeth from my bank for some reason. Fast forward to now. On XX/XX/XXXX I was charged again from this company. However, the issue is is that after I tried their products, I returned it and they acknowledge my return. But thats neither here nor there, I dont care about the merchant. 

What I care about and why Im submitting this complaint today is the fact that after all of that, I deactivated and deleted my debit card from my account. So I asked my bank how on earth can a charge be made through a card that has been deactivated and deleted.? it cant be, it shouldnt be, and its in their terms and their FAQ on their website that the only way this can happen is if it was pending prior it was not. I had no pending charges from this company. So my bank can not use that excuse either that the charge was pending. their excuse to me today on XX/XX/XXXX is that it is an unpaid bill that was forced through. I kept asking Found. Why do they feel they need to be in charge of my finances and make choices for me? To force through a payment ( that they stated is unpaid ) that I know was automated from the merchant and that the company has stated to me to ignore it because its a payment processing error since I returned the products during trial and canceled the subscriptionits been ignored XXXX previous times since XX/XX/XXXX, so when I demanded a reason as to why now that Found Bank has decided to allow that charge to go through they said that it was a forced charge from a supposed unpaid bill. 

My complaint is against Found Bank for allowing a transaction to go through on a deactivated and deleted card on my account as well as them, thinking that they can do whatever with my income that they choose to..even though it resulted in a negative balance on my account with them.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) 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 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NC)

I make my monthly payment through the Electronic bill payer system at my bank. As I always do I make more than the minimum payment. 

I received a note on XXXX first from Goldman Sachs Apple card that my payment was overdue! I responded that according to my bank records the payment was sent on XX/XX/XXXX two days before the due date. 

The response was that their record shows that the payment was received on on XX/XX/XXXX therefore it was overdue and interest and other charges is therefore applied. 

I contacted my bank bill payer service and they provided documents with federal inter-bank tracing number showing the payment was received by Goldman Sachs indeed on XX/XX/year>. 

I provided the document to Goldman Sachs, and they agreed to open up a case and get back to me by XX/XX/XXXX. On the XXXX of XXXX I received a notice that they reversed the payment ( or at least attempted to since my bank account is not directly connected to Goldman ), Froze spending on my account and call my account overdue. 

Every communication with Apple Card is through text, so everything I have stated is fully documented. No one every reviewed anything I sent them, it seems. Sometime you exchange text with multiple people on the same text thread, and at the end you get strange message like, " thank for letting me solve your problem '' clearly knowing they have not done anything, or " is there anything else I can help you with? '' Knowing they have not solved your problem in the first place. 

The process is set up a in a very one-sided way to cause maximum frustration. Facts don't matter, documentation don't matter. There is no comprehension or acknowledgement of understanding at least the problem, and it seems to have been designed diabolically for maximum frustration and in the most disgraceful way to frustrate the consumer.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (TX)

Hello - My mortgage was sold to Mr. Cooper in XXXX and based on XXXX Mortgage servicing transfers. I had called in XXXX once i was informed of this change to confirm with the company that I will pay in XXXX per the servicing transfer 60-day rule. The company confirmed that it would be ok. However, i got the attached notice of default from Mr. Cooper. I have also been getting late notices by email with threats of late payment that are also attached.

I also became very concerned about this transfer and how well this company follows the laws given their history of lawsuits when i XXXX  them about unlawful servicing fees and data breaches due to their lack of proper controls.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

I am writing to file a formal complaint against DEBT RECOVERY SOLUTIONS, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
DEBT RECOVERY SOLUTIONS, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that DEBT RECOVERY SOLUTIONS has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against DEBT RECOVERY SOLUTIONS to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold DEBT RECOVERY SOLUTIONS accountable for their unlawful conduct.
Consumer complaint received 2024-03-28
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. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 : 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 2017-08-05
Product: Credit reporting, credit repair services, 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. (CA)

XXXX XXXX XXXX XXXX/XXXX is on my credit report that I never authorized. The hard inquiry was made on XXXX XXXX, 2016. I never made this inquiry at all. I world like it removed from my credit report a soon a possible
Consumer complaint received 2023-08-30
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX 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 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-08-30
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. (WI)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.