davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-07
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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.

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 2023-02-08
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: Experian Information Solutions Inc. (AL)

The following accounts don't belong to me they are fraud accounts. I have listed these accounts in my FTC report. I demand these accounts be removed from my credit report and blocked from any future reporting. I have attached the following information for your review. I have been a victim of identity theft, my information was found on the dark web as well as XXXX and XXXX were exposed. I demand the blockage of these accounts. I am in the middle of purchasing a home and these items are affecting my closing. Failure to not comply with my demands will sue for defamation of character, and violation of my rights to privacy. I will pursue this in small claims court if my demands are not met. Federal law requires all information to report accurately if not removal is needed. 




XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as those stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original do curse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is to follow up with my request to send me debt validation, you mentioned on your response that you were sending me documents but I don't see anything like a validation letter. Please send it to me by responding to this message so the CFPB would also know of your response.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX bank XXXX XXXX Incorrectly reporting to my credit accounts My identity was stolen in XXXX. I filed a report with the police in XXXX XXXX, GA.
Consumer complaint received 2023-03-01
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. (GA)

In Accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 ( A ) ( 4 ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

15 U.S.C 1681 section 604 ( A ) ( 2 ) states In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681C ( A ) ( 5 ) states no consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records 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 the information is inaccurate.
Consumer complaint received 2023-03-01
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my credit file that are misleading and erroneous and must be removed or blocked. The items I am questioning do not have any affiliation with me or my transactions. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
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: U.S. BANCORP (NC)

US BANK HOME MORG.

Reporting my paid off home loan as 30 days late in 2016. 
They will not fix it to current.
Consumer complaint received 2023-03-01
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. (FL)

XXXX XXXX XXXX, XXXX : {$7000.00}, company is reporting inaccurate information to my credit report. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) 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.

15 U.S.C 1666 ( b ) states billing error.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BOA WILL NOT IDENTIFY WHO IS TAKING MONEY FROM MY BUSINESS CHECKING ACCT. 

FRAUD CASE FILED WITH THEM - THEY SIDED WITH THE OTHER COMPANY - AND STILL WOULD NOT TELL ME WHO IS TAKING $ FROM MY ACCOUNT! 

THIS CAN'T BE LEGAL!!!!!!!!!!! 

BOA ALSO SENDING " ENCRYPTED EMAILS '' FORCING YOU TO CREATE XXXX ONLINE ACCOUNTS JUST TO GET INFORMATION ON THE CASE - THE XXXX PEOPLE I SPOKE TO OVER THE PHONE - SAID THEY HAD NONE AND COULD GIVE NO INFO ON WHO'S BILLING MY ) ( $ @ # # CARD ... ... ...!!!!!!!!!!!! 

INSANE. 

OH, I ALSO GET A LETTER SAYING THAT XXXX. ALSO NEED XXXX MORE DAYS TO SOLVE THIS CASE .... 
THE CASE I FOUND OUT TODAY ( 2 DAYS AFTER I GOT THE LETTER ) THAT THE CASE WAS FAVORED -NOT IN MY FAVOR -- - THIS CAN'T BE LEGAL!!!!!!!!!!!!!!!!!!!!! 

THIS ENTIRE BANK IS RUN BY LAWYERS ... ...!!!!!!!!!!!!
Consumer complaint received 2017-01-02
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp. (NC)

They call me 15 to 30 times a day and keep asking for money and they call me and my husband. I pay a payment and they call that afternoon about my next payment. I admit I was 30 to 65 days behind because of medical issues or the fact my husband was out of work. I admit that but I have tried to pay payments when they are due and when I pay two payments they still call when my payment payment is just 2 or 3 days past due. I want them prosecuted for harrassment for XXXX on my life I get so upset cuz they call and just keep wanting a date that I can pay and when it 's gon na get pd and when I give them ideas on how I can pay them they say you ca n't pay it that way u need to do it immediately or we are coming TODAY RIGHT NOW to pick the car up. When in the agreement it states that they only come after the vehicle when it is 90 days past due that is the only time they can threaten this. Please help me I have a lot of stress on me being a one paycheck household and I had to get boarders to live with me just to get my rent pd so it 's not like I am trying not to pay. As of right now I am 14 days past due and this am they added a whole bunch of late fees etc to the payment I need to make after another person took them off when I paid my payments up to help me. It is United Auto Credit and I want to press charges for harrassment and XXXX on me. Thank you. XXXX
Consumer complaint received 2023-01-25
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXXXXXX, 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 antedate 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 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Skrill USA, Inc. (CA)

My company XXXX XXXX did credit card transactions from customers that used my services and the merchant company name that I used was PAYSAFE. It was 3 transactions in total XXXX I have attached the settlement batch as well. I was told that they will send the funds but than my money was not paid according to policy and said they will refund the funds back however services were rendered and therefore I should be paid for my services and the customers never received the refunds.
Consumer complaint received 2018-10-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

n XX/XX/XXXX we were finishing up on what was difficult to get modification and I XXXX XXXX all payments with correct amounts yet last one was rejected by ocwen and I had to get it back and resend than I had to verify that that was the amount owed and now that I had to reapply for modification. we were told application would be sent and nothing than after several calls now closer to XXXX there was a sale dateXX/XX/XXXX now several calls to higher up and assistance by XXXX XXXX a real estate agent and legal assistant we stopped it. we had verified all documents were received and still waiting. since they delayed we needed updated information. than XX/XX/XXXX we are informed my father was in BK which he wasn't. Ocwen refused to speak to us and never informed us further until late XX/XX/XXXX. an agent slipped agent from ocwen XXXX XXXX  said a bankruptcy case # XXXX, lawyer XXXX XXXX. XXXX XXXX XXXX that a cease ans desist was placed on ocwen loan XXXX XXXX XXXX/ XXXX XXXX  XXXX so now after 10 months of them refusing any kind of communication with us that we now have to resubmit modification documents in which submitted over 36 times with confirmation was received than need information to trying to stop sale dates. now we don't qualify due to second etc. so under duress we requested to short sale and submitted all documents now 2nd note wasforgiven and and all papers have been signed about 6 to 7 times a confirmation all docs received now a deed in which was submitted in XX/XX/XXXX ocwen agent XXXX that laws changed and that deed for XXXX XXXX is fake and that we provided false document in which it is valid recorded and this is now beyond we have signed over 5 times and submitted since XX/XX/XXXX and still I filed a complaint with the abundance department I don't know what to do anymore I need assistance and there are too many documents to submit I can and will mail to address filed for modification over 36 times on shortsale it states we never requested modification in which we did at this point we just signed under duress.
Consumer complaint received 2023-07-05
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. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

My account was closed back in XXXX and was making payments through collection. I paid my account in full in XX/XX/XXXX. When I spoke to representative I asked for payoff amount and the balance was paid in full. I confirmed with representative that my balance was paid and no longer owed a balance to XXXX. My account was closed and I no longer had a balance as of XX/XX/XXXX. XXXX apparently did not include back interest when quoting me my payoff and I was completely unaware of anything owed because I was told my account was paid. XXXX continued to charge me and is now reporting 30+ days late on my credit report and a balance of {$48.00} which include 2 months of late fees. I have called in to XXXX XXXX department and the representative that I spoke with on XX/XX/XXXX confirmed that I paid my balance on XX/XX/XXXX and should not have kept getting charged and it was their mistake. All fees were waived by rep and my account balance now shows {$0.00}. Because I was under the assumption that my balance was paid in full and my account was closed there were no payments sent to XXXX. My score has now dropped 30+ points because of their deceptive practices. If I am requesting to pay off an account in full I should have gotten the complete payoff and if there was residual interest I should have been told by the representative that I would need to make a payment the following month. I am currently trying to buy a house and this has impacted my score negatively for something that was their error.
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (NC)

Equifax is reporting duplicate creditor files under different names same account numbers. I have written to both creditor and has disputed this 30 days ago. There are multiple accounts. XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. These are charge office that are reporting a balance updates on XX/XX/20 and XX/XX/20. As well as XXXX and XXXX XXXX XXXX duplicate reporting and are charge offs with a balance update on XX/XX/20 and XX/XX/20.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (TX)

My credit report says I opened a sears account in XXXX  but I have never had a sears account and I was XXXX XXXX XXXX in XXXX.