davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SG and Associates (TX)

Dispute of Time-Barred Debt. I am writing to formally dispute the reporting of a debt by Stafford Group and Associates. listed on my credit report on XX/XX/2024 originally from XXXX XXXX XXXX. According to my records and in compliance with my state 's statute of limitations regarding debt collection, this debt became time-barred as of today XX/XX/2024 which is beyond the legal time frame for which a debt can be collected or sued over. Given that the statute of limitations for this type of debt in Texas is 4 Years, the attempt to collect or report this debt violates state and possibly federal regulations. I request that this entry be thoroughly investigated and, if confirmed to be time-barred, promptly removed from my credit report to ensure the accuracy and fairness of my credit history, in accordance with the Fair Credit Reporting Act.Thank you for your attention to this matter.Sincerely
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from U.S. Bank. According to Pub L. 85-866 Section 8.Section 166 ( d ) ( 2 ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. Thank you. Regards All rights Reserved XXXX XXXX XXXX XXXX XXXX Without Prejudice
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

this company bought our mortgage from another company and they keep trying to escrow us with everything, now after we have paid our own insureance, which they forced us to get flood insurance when we do not live in a flood zone and our home owners insurance wouldn't cover so we had to go to another company. now there trying to escrow our state tax 's whice we have already paid. and there adding late charges on the bill and adding interest to that. this company is trying to steal money from us and any one else that they hold the mortgage on. the companys name is " Newrez XXXX Shell point mortgage Servicing, XXXX XXXX XXXX Texas XXXX XXXX No matter how many times we call to fix the problems they just keep adding on
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates Account : ending in XXXX for {$480.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with Portfolio Recovery Associates and do not have a contract with Portfolio Recovery Associates They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and Portfolio Recovery Associates continues to report negative information on my credit report.
Consumer complaint received 2023-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Celsius US Holding LLC (NJ)

In XXXX, I became a victim of an online investment fraud scheme realised through the following platform XXXX They deceived me that they are fully licensed to operate as a financial broker, while in fact they were not. As I do not have special knowledge about how lending platforms operate and how they are regulated, I trusted the information of XXXX and followed their " investment '' advise. In particular, they told me to buy crypto from Celsius and to transfer it then wallets nominated by them, which assumingly are not hosted by www.celsius.network. 
Acting in good faith and following advice, tI made an account with www.celsius.network, and made series of payments for purchasing crypto. Total amount of the payments is BTC XXXX and ETH XXXX, distributed in multiple transactions, some of them were sent At certain point, XXXX XXXXplatform, where I have invested BTC XXXX and ETH XXXX simply closed and disappeared without giving me the chance to withdraw my investments. Once I realised that I was victimised and deceived, I sought for a specialised help. At this stage, it was explained to me that crypto-transactions are not completely anonymous and that the obliged entities, such as Celsius, are under the obligation to collect and to keep record of certain basic information about each outgoing transaction, including about the obliged entity hosting the beneficiary wallet and about the person controlling the beneficiary wallet ( so called " travel rule '' ). I consider myself entitled to such information as it concerns only my transactions and I have justified legal interest to know to whom I have paid. Following this understanding, I asked Celsius to provide me the information they should have collected about my transactions by applying the travel rule. A letter of demand was sent to Celsius on XXXX. Unfortunately, Celsius failed to respond and to provide required information. Celsius advertises itself as FATF compliant. If they are, they should have collected this information and it should have been disclosed to me following my request. If Celsius is not FATF compliant and do not apply the travel rule, this could be a misleading advertisement and infringement of my consumer rights. In addition, this has harmed my chances for a successful recovery. See attached letter of demand to Celsius for further details.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

On Tue XXXX XXXX I got an email " Your Citi account ( XXXX ) will automatically close within 60 days '' Prior to this I noticed an unauthorized transaction on my account which I Lodge a complain for investigation. I was following up with Citibank fraud department to know the outcome of the investigation. I was told they will get back to me, thereafter I can't follow up with the investigation because I blocked me from accessing my account.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

First off, I am a XXXX XXXX XXXX XXXX Veteran. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have follow up appointments that I have had to cancel with my XXXX XXXX XXXX because my funds are frozen. My ssdi and my income tax check is frozen. My utilities have been shut off so I can care for myself at home the way I need to. Also, my meds to keep me sane and intact are all gone because I can not put gas in my vehicle to attend appointments. I need help. My family needs food and utilities. We need intervention from someone who has a heart to help. Please? Please help us and release my money that I so rightfully deserve to provide for my family. Please?
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (TN)

I am trying to close two accounts that my dad, XXXX XXXX XXXX, had in a Trust, he passed away XXXX, XXXX. The beginning of XXXX I attempted to close these accounts but the person at the bank said my son would have to come to the bank and sign the paper. I explained to her that he lives in Connecticut  and to p, ease send him the form to be signed and notarized. She flay out refused and said he must be there in person. There are no branches in Connecticut. Then she said they sent the papers to their attorneys and they want a letter of I opinion of who is going to take over the Trust and also a court order stating who is the executor of the Trust. The papers I ache attached clearly state all that. They are legal documents which stated that my and my son are the executors of this trust. I notified my attorney and she said they are being ridiculous and it would cost me more than what is in the account. We are not ever going to probate as there is nothing to probate. I have attached all the files for you to see. In addition, they are now charging me {$12.00} a month to maintain the account they won't let me close. It is the XXXX XXXX XXXX. 

The person at the bank I am dealing with is XXXX XXXX ( not too sure of the last name ) XXXX The bank is Truist Bank and the branch is XXXX XXXX XXXX, XXXX, TN XXXX Please help!
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (FL)

This collection agency is not authorized to collect in the state of Florida. Eastern account system is not legally authorized to collect in Florida. This debt needs to be removed from my report as they are not authorized on the XXXX XXXX XXXX to collect in the state of Florida.
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LAKELAND BANCORP, INC. (NJ)

After going through the mortgage process for over 45 days, we were asked to make a payment on an account that was difficult. We finally made the payment and they denied us after the proof of payment was given. They stated we were close to the limits of that income, but would not furnish any information on the actual debt to income policy or the policy of the bank, they stated that there was collection, action or judgment, but we provided proof that the account was paid off and there are no collections on the credit report or currently on the account
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: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.  XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-05
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. (MN)

Equifax, is illegally reporting my credit information to XXXX XXXX XXXX XXXX XXXX On a monthly basis without my knowledge? 
XXXX XXXX didn't pull my credit report because there is a freeze on it? 
In return even though I have never missed a payment and at this time I had over half of available credit on this card. 
Based on this information that they Illegally obtained from Equifax they reduced my credit limit? 
Equifax is selling my information and want to sue them.
Consumer complaint received 2024-04-07
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. (GA)

When XXXX CARD SERVICES account XXXX XXXX XXXX XXXX opened XX/XX/XXXX and credit limit {$1800.00} was correct for all XXXX Credit Bureaus. But they closed my XXXX CARD SERVICES ( XXXX XXXX XXXX ) date was incorrected for all Credit Bureaus. 

XXXX account closed : XX/XX/XXXX. 
XXXX  account closed : XX/XX/XXXX. 
XXXX account closed : XX/XX/XXXX.
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. (NJ)

In accordance with the fair credit reporting act 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.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX  closed my credit card and charge it off on they behalf as i read on the irs website that if a company charge off it is consider my debt as paid and full because the company have written it off
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. (NJ)

In accordance with the fair credit reporting act 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.
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. (NJ)

In accordance with the fair credit reporting act 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.
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. (WI)

I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on an account that i in fact paid on time. Putting me at XXXX when I paid XXXX percent of this off on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/17, XX/XX/17, XX/XX/17. XXXX now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid immediately. Thanks you for your understanding and taking time out of your day to hear me out.
Consumer complaint received 2023-04-19
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. (VA)

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 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 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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (TX)

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 name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
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. (FL)

I recently pulled my credit report and found some inaccurate accounts that are reporting. I have made a list of all the inaccurate accounts that I need removed. I am in the process of getting a home loan for me and my family. Please review all of my documents and remove the accounts that are listed.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OH)

In accordance with The fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} has violated my rights 15 u.s.c. 1681 section 602 A states I have a 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. Neither company was able to furnish me with my original contract these accounts should not be reporting THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER ATTENDED COLLEGE OR APPLIED FOR STUDENT LOANS
Consumer complaint received 2024-04-07
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. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-07
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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

2 late payments have showed up on my credit report that are not accurate at all. I have spoken with the creditor and they said they never submitted this information to the bureaus so they do not know why its saying that. Please help me remove my late payments so I can buy a home for my family. I have sent multiple certified letters to you guys on getting this removed please remove the following late payments ( XXXX XXXX XXXX XXXX ) Late payment ( XX/XX/XXXX  ) & also ( XX/XX/XXXX  )