davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XX/XX/2024 : SPS claimed that I have a mortgage of {$660000.00}, alleged monthly payment of {$5400.00}. 
They once again charged me {$5.00}, for paying this monthly amount. I repeatedly asked them why they charge it, and they said it is for a service. I repeatedly asked what service that was, and they dont seem to have answered the question, and then repeatedly said it is a policy. I then asked what policy it was, if it was in the penal code, and where it is. They then apparently said that it was a policy for the company and its employees. I am not an SPS employee, so, SPS has confirmed, on XX/XX/2024, that I can keep my house and I dont have to pay them any money. I would like SPS to send they can send this to the address tied to the account a letter re-confirming this statement on the phone -- that I need not pay them any more money as I am not interested in their $ XXXX service, and therefore, that the {$660000.00} amount they stated is not tied to my property on XXXX XXXX XXXX 


They stated that even if I paid via their mobile app, then, I would still be charged this fee. Regardless, since I no longer have to pay any money to SPS, I am seeking that letter re-confirming I need not pay them any more money. I would also like a refund of all payments of {$5400.00} made to them as I do not require a service that charges me money to make payments.
Consumer complaint received 2023-04-24
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: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act XXXX Account # ( XXXX ), has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 section 604 a section 2 : a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Collection Account on Credit Report XXXX XXXX Dear LVNV Funding LLC, I am writing to formally dispute a collection account listed on my credit report associated with XXXX XXXX. This account is inaccurate and results from numerous violations of my consumer rights as protected by federal law. 

**Grounds for Dispute** * **Lack of Validation : ** Despite requesting validation of the alleged debt, you have not provided any information whatsoever, as required under 12 CFR ( b ) ( 5 ).

* **No Opportunity to Dispute : ** Section 12 CFR 1006.34 ( c ) ( 4 ) ( i ) guarantees me the right to dispute an account. You have not granted me this opportunity. 
* **Misrepresentation and Deceptive Practices : ** The collection agency is engaging in false, misleading, and deceptive practices that violate my consumer rights.

* **Unauthorized Reporting : ** According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), a collection agency must provide legally required disclosures before furnishing information to a consumer reporting agency. You have failed to comply.

**Actions and Requests** 1. **Debt Validation : ** Please provide complete debt validation, including proof of the alleged debt and the purchase agreement between your agency and the original creditor.

2. **License and Bond : ** Please furnish proof that your collection agency is duly licensed and bonded as required by law.

3. **Cease Communication : ** I am revoking all rights for your agency to communicate with me via text, email, or phone calls. All future communication must be conducted in writing.

I further dispute any and all debts allegedly owed to your agency.

**Consequences of Non-Compliance** Please be advised that failure to provide the requested information and rectify these violations will necessitate further action, including the potential filing of complaints with relevant regulatory agencies and the pursuit of legal remedies. 

I expect a prompt and thorough response to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-03-22
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. (OH)

I recently reviewed my Consumer Reports and noticed that I had several late payments reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Reporting late payments is unlawful/illegal according to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The following public record below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bankruptcy Date Filed : XX/XX/2020 XXXX XXXX XXXX 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.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland credit management is stating that they have are were attempting to charge interest on this debt. Original debt was XXXX. Have been paying for years, but statements mailed never go down. Have been trying to obtain true balance due for 2 years. Finally found out XXXX. The company states interest is XXXX. Keeping with the payment plan, I requested a true balance due statement, but the representative told me that can not be promised, and told me that I was getting a discount of XXXX??? Also have been sending check payments which do not show on there end, only credit card payments. I will continue to pay until it is paid off. Isnt interest illegal?
Consumer complaint received 2022-11-08
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: Avant Holding Company, Inc. (TN)

On XX/XX/2022, I received a Tennessee XXXX XXXX XXXX debit card which is received once someone applied for unemployment benefits. On XX/XX/2022, I received a letter from XXXX XXXX stating that they could not open a checking account because they could not verify my identity. On XX/XX/2022, I received a notification from XXXX XXXX that I had hard inquiries on my account. On XX/XX/2022, my credit was pulled from both XXXX XXXX and XXXX. On XX/XX/2022, my credit was pulled again by XXXX XXXX XXXX. None of the incidents above did I initiate.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (AR)

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 1 5 USC 1681. 

1. 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 an 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 2023-06-14
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$200000.00}
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 lam demanding the deletion of the accounts listed IMMEDIATELY! 
XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX specific XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank - Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX Automobile Dealers, XXXX XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXXXXXX XXXX Tenant Screeners ( Reseller ) XX/XX/XXXX XXXX XXXX XXXX  personal XX/XX/XXXX TransUnion XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  XX/XX/XXXX TransUnion
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of identity theft on two Bank of America credit cards ; one was a VISA and the other was a Mastercard for small business. 

For the VISA, I reported the fraudulent transactions to Bank of America. The agent advised me to destroy the credit card and that they would send a new card to me. When I went into my wallet, I found that the card was gone and had been stolen. I reported this to the agent, and the fraudulent charges were credited back to my account on XXXX in the amount of {$3400.00}. However, on XX/XX/ the fraudulent charges in the amount of {$2900.00} were added right back into my account! 

For the MasterCard for small business, I reported the fraudulent transactions to Bank of America. The agent advised me to destroy the credit card and that they would send a new card to me. When I went into my wallet, I found that the card was gone and had been stolen. I reported this to the agent, and the fraudulent charges were credited back to my account on XX/XX/ in the amount of {$4700.00}. However, on XXXX, the fraudulent charges were reversed right back into my account! 

I am refusing to pay these fraudulent charges, and understand that the VISA and MasterCard products expressly state that customers are not liable for fraudulent charges. Why, then, does Bank of America continue to blame me, the victim of the fraud, for these charges? This bank is absolutely horrible, and even though I have been with them for 35 years and am now a " Gold '' status member, I am looking to leave as soon as I get these fraudulent charges fixed. Shame on you, Bank of America!
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # XXXX, XXXX : Account # 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 an account without my written instructions.

15 U. S. C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more then 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 2023-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Threw the fair credit reporting act I am allowed bi law to dispute and validate the debt before any negative actions is taken against me and my credit report I have tried for the past to years showing proof that they did not contact me because I was not located at the address they mailed the letters to. You are unlawfully trying to collect a debt that you forfeited bi not awarding me the opportunity to validate the debt. I have awarded the attorney general of New York State of the violation since it is also past the statue of limitation of the debt. This will be forwarded to them and your tactics.
Consumer complaint received 2024-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PR)

Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-01-25
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. (OH)

My credit report show an unauthorized inquiry by XXXX. Call to fraud department said my information doesnt pull out. Am a victim of fraud and I requested this inquiry be deleted immediately.
Consumer complaint received 2024-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

ON XXXX I HAVE 2 CREDIT INQUIRIES, AND ON XXXX I HAVE 4 INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR XXXX PLEASE XXXX 

- XXXX : CAPITAL ONE ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX AUTO XXXX XXXX FIN XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account ASAP.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am writing this letter regarding payments that were marked as late by your company for the following accounts and dates : Account Number : XXXX, Late Payment Dates : XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX, Late Payment Dates : XX/XX/XXXX and XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX, Late Payment Dates : XXXX, XXXX, and XX/XX/XXXX, and XX/XX/XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

Account # XXXX XXXX XXXX XXXX {$640.00} # XXXX Account # XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX  {$0.00} 15 U.S.C 1681 Section 604 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 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.