davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc. (NC)

I, XXXX XXXX, am submitting this complaint on behalf of myself without anyone else. 

I received a generic letter from this third-party debt collector dated XX/XX/2023. It stated to dispute the debt before XX/XX/2023, which I did so via XXXX XXXX XXXX and was delivered XX/XX/2023 at XXXX. Please see attachments for proof. A few days later, I get an alert from one of the consumer reporting agencies, ONLINE INFORMATION SERVICES furnished this alleged debt to my consumer report. That is a violation of title 15 U.S. 1692. I also, requested documentation from them and received nothing. Please see attachments.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The company " XXXX XXXX XXXX XXXX XXXX as shown on my credit report this debt/ collection is not mine I have already disputed this and was not looking into by Transunion this collection appeared out of no where and has since increased it balance within the last 30 days from XXXX to now XXXX this is predatory and dispute was resolved in 1 days not even taking the time to investigate why and who they are abusing my credit report and no one has started to investigate this matter beyond 1 day I have attached 3 documents 3 different amounts days apart from each other.

Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (TX)

I have several XXXX XXXX Accounts. Today I Deposited {XXXX} via XXXX XXXX XXXX into my Account. I then needed to Change my Password and Address Update because it still had not been done despite my doing so several times. A CSR ( Customer Service Representative ) Politely Change all my Information and tried to send a Password Reset to my email and I did not receive. Upon Checking, she found out Fraud Department had Locked my Account. We contacted Fraud Department and they requested I fax copy of my SSN Card and Several Pieces of Mail showing my New Residence which I immediately did. I was told it should take 2 hours. After more than 4 hours elapsed I contacted Netspend again only to find out that the Fraud Department will be Closed Until Monday. They Took My Money, Pretended to Help Me, Lied about Unlocking my Card, and Now I can not access my Card, nor my Money, and can not reach anyone to assist me. They knew they were not going to help me yet had me completely verify all my information to 3 different CSR 's and 2 Supervisors and 1 Fraud Agent and I still can not access my Card nor get my Money. I need help PLEASE. Thank You. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the XXXX Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (WA)

this company SPECIALIZED LOAN SERVICING took over my loan & from day one been nothing but headache!! i've called customer service & get transferred to 5 different people & they all say " not my department "!!. here 's lastest problem!! on my XXXX payment due statement they say i am {$710.00} late. here 's sequence : i sent check on XX/XX/XXXX  ', they cashed it on XX/XX/XXXX  ' & they posted on XX/XX/XXXX  ' that payment late!! they had the money!! they held the payment of {$710.00} & the payment due notice i got for XX/XX/XXXX XXXX ', show 's {$710.00} portion of payment is late & charge me late fees!!!! they had the money, i went to credit union & got a copy of the cashed check!!!!!!!! they are really crooked & i can't get a straight answer out them!!!!!!!! i need help!!!!!!!!!!! 

thank you!!!!!
Consumer complaint received 2023-04-14
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. (OH)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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. (NJ)

l, the consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 also please note I am the natural person writing this statement with no help with a 3rd party. the accounts on my report are inaccurate and needs to be remove XXXX shows a incorrect balance and last date of activity is also inaccurate XXXX XXXX last verfied and date of last activity are also inaccurate. XXXX XXXX date of last activity and date open are inacurrate. 15 USC 1681e ( 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. Also 15 USCi ( 5 ) says Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly 15 USC 1681 S-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2024-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

I had a XXXX credit card issued through GE Money Bank XXXX XXXX. I made a payment agreement with GE Money Bank to settle the balance after it was past due. The phone number I called was XXXX & I set up the payment agreement with XXXX at ext. XXXX. 

I settled for a total amount of {$350.00} in which I made 2 payments. I made a payment for {$81.00} on XX/XX/XXXX & another payment for {$270.00} on XX/XX/XXXX. I have copies of the checks from my personal bank account that was XXXX XXXX The transactions were completed successfully. 

I have been contacted every few years from multiple collection agencies trying to collect this debt, despite it being paid to the original debtor. Despite providing information to these companies multiple times showing the debt was paid, it still gets passed off to another agency. 

I have documentation showing a collection agency named XXXX XXXX contacted me XX/XX/XXXX regarding it. I also have letters dated XX/XX/XXXX from XXXX XXXX XXXX. 

Most recently, on XX/XX/XXXX, I received a text message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX stating they are trying to collect the debt. 

I have contacted this agency to dispute the debt. 

On my most recent inquiry to XXXX credit card services a few years ago, they stated they didn't have record of the account under my social security number. 

Every collection agency I have provided this proof to has told me it would be the end of it, however, it keeps reappearing & is an endless cycle. I have to take time out of my busy schedule to send documentation, get harassing phone calls to myself & family, & it is causing me a great deal of stress as this has been ongoing for 17 years.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

Elan Financial services is reporting a CO ( charge off ) on XX/XX/XXXX, when in fact it was actually charged off inXX/XX/XXXX. It used to show the charge off accurately as XX/XX/XXXX, and then they changed it, thus repeatedly hurting my credit. I paid the debt in good conscience to sure up the creditor, although I didn't think they would try to utilize me paying them to further hurt my credit and RE-Charge off the account. I have provided a picture of how this is being reported on XXXX, and I have also attached a document/pdf that was provided to me by XXXX ( Customer Care Specialist ) from Elan Financial services that details that the account was actually charged off in XX/XX/XXXX in their own words. I have highlighted this in yellow in the document attached. 

I would like this to be corrected on my credit report ( s ) with not only XXXX, but all credit reporting agencies. I hope to not have to continue to spend more time on fixing this than I already have. 

Thank You, XXXX XXXX
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

TRANSWORLD SYSTEMS INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXXConsumer Hotline : ( XXXX ) XXXX-XXXXConsumer Hotline Fax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TRANSWORLD SYSTEMS INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TRANSWORLD SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX
Consumer complaint received 2024-01-18
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: CBC Companies, Inc. (NJ)

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I want to indicate some questions regarding my credit report issued by your company. At first, I want to comment on your answer to CFPB on XX/XX/24. You requested me to inquire on XXXX card, which transaction history appears in another credit company credit reports. Since this credit card appears to have the past transaction on other credit company without asking me to inquire XXXX , I consider the credit card companies, including yours, can acquire the necessary information ; therefore, your company should directly ask XXXX same as other credit report companies. I now compare the credit reports of all companies, which submitted in printed form. Since this credit report is mine and should reflect my personal information, all credit reports should have the consistency. Your company credit report indicates the last four digits, which are same way the credit companies indicate their customers cards. Since your company is credit report company, you should indicate the customers account numbers by the beginning of the account numbers, not last four digits. I will compare all credit reports of all American credit report companies, so please change the style, and have the consistency. 

Additionally, I have requested you previous letter not to mention by my first name, XXXX. I believe the usage of first name indicate some familiarity which your company, Innovis, and I, XXXX XXXX, do not have any personal relationship ; therefore, your company should indicate me by my family name or full name. 

Sincerely,
Consumer complaint received 2024-01-18
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bright Capital Inc (WA)

I was interested in using Bright money to repair my credit, and upon going through the sign up process I realized unlike advertised, it was billed yearly at a go, so I decided to close the app and back out, only to log back in and realize I had been signed up with an automated payment scheduled for the yearly subscription.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

A company called Midland Credit Management has called me 4 times from a private number. The first call I told them that I would not give any information to someone I didn't know, Calling from a blocked number. I received 3 additional calls in the last 24 Hrs.
Consumer complaint received 2023-11-15
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX. 

The following personal information is incorrect. 

XXXX XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax XXXX. 
XXXX XXXX XXXX. 
XXXX. XXXX, GA XXXX Dear sir, I have received a postcard which noticed me that fraud alert was removed. Since I believe myself, I need to have the fraud alert and officially sent the document to ask the extended XXXX fraud alert, I logged on the website and checked that initial fraud alert is on. Even though there is a question why I need to send my identification several times for the extension, I will enclose again the necessary documents ; even though I slightly feel the concern whether it is safe to send the documents of identification several times to keep the identity. I express strong concern on this matter since I have several postal issues, which waiting the answer. 

I also received a package of documents prepared on XX/XX/XXXX of XXXX. Along with other credit report companies, I received the same documents with different dates often. I have a question why the mailing delivery took so long time, since I received one month later even though it is internal delivery. If it happens with international delivery, I can understand since I have noticed it takes longer due to several international matters. Since still extended XXXX XXXX alert is not on, I will not start to check the credit report of your company, which can be checked by internet ; even though sometimes I feel strong suspicion whether these online information or data is reliable. 

Sincerely,
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC. (TX)

When we initially put the offer in on the property, we had an initial closing date of XX/XX/. After the offer was accepted, the lender told us we could close as early as XX/XX/XXXX We then changed the date to close on XX/XX/. We were unable to close because the lender failed to complete the underwriting. We rescheduled the closing date to XX/XX/XXXX however the title company is still pending documents from the lender to be able to close. This is now pushing our date to close back to XX/XX/. This will be the second time closing is pushed back due to the negligence of the mortgage company.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

XXXX Please read attached. On XX/XX/ Equifax requested that I send in my FTC Identity Theft report, and I am sending in my XX/XX/ Notarized Affidavit. 
Goal : Delete both XXXX XXXX cards # XXXX & # XXXX with and extended fraud alert. 
Equifax to send me new corrected report.