davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County (CO)

I RECEIVED A CALL YESTERDAY FROM A RANDOM COLLECTION AGENCY WHOM LEFT A MESSAGE ON MY VOICEMAIL. WHEN I RETURNED THE CALL THEY ASKED FOR MY PHONE NUMBER AND NAME AND THEN STATED THEY HAD DIALED MY NUMBER BY MISTAKE. ON XXXX IT STATES THEY ARE HIGH RISK FOR SCAM AND OR FRAUD.
Consumer complaint received 2023-07-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request/inaccurate information correction. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Ive just reviewed my credit report and noticed the following inaccurate item ( XXXX ) : XXXX XXXX XXXX  with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately. 

XXXX XXXX XXXX  with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this I request that you correct this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this inaccurate information be immediately removed and made up to date from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (MO)

In Accordance to Fair Credit Reporting Act 1681a ( 2 ) A ( i ) Exclusions except as provided in paragraph ( 3 ) the term " consumer reports '' do not include report containing information solely as to transactions or experiences between the consumer and the person making the report According to the Fair Credit Reporting Act section 611 ( 5 ) ( A ) of the FCRA you are promptly to DELETE all information that is inaccurate incomplete or which can not be verified I have tried to resolve this matter with the company XXXX XXXX XXXX XXXX as it is negatively impacting my credit but have had no luck
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/22, I started receiving emails from Bank of America. They stated that an account had been applied for, and then was approved. The last email said the email address was changed. I did not authorize the creation of the account and know nothing of it. Attempting to contact BoA was extremely painful because their Fraud Department requires an account number in order to assist. However, I did not have the account number so I couldn't proceed past the automated menu. I have no access to the account so I don't know what they're doing with it, and I don't know what personal information was compromised that I need to protect.
Consumer complaint received 2016-07-06
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

XXXX XXXX I sent my daughter XXXX dollars through my PayPal to hers. I did this while on the phone with her and she immediately received an email confirming I had sent XXXX dollars per PayPal. I assumed everything was fine since she got this email. XXXX XXXX, 2016 she calls me and has n't received this money in her PayPal account so I went online to check what my transactions looked like. I found that this money was sent to a XXXX XXXX PayPal account. called PayPal immediately and their response was it happens all the time because I used her telephone number to send the money and this XXXX XXXX has the same phone number on his account and I should have sent this per her email so that would n't happen again but nothing on their site says this is a danger and to use email account instead of phone number. I asked them to stop this transaction before my money got in his account and they told me it was to late they could n't do anything until this money was in his account. I talked to a lady named XXXX who is a transaction specialist she told me same thing and they were n't liable for this kind of transaction but she would email this XXXX XXXX via email and explain to him this money was sent to him in error and she would ask that he send the money back to sender which is me. she told me that if he did n't all she could do is do a chargeback on the money and go from their. My problem was that she said she would keep me informed and she would try to get this money back to my account if she could. I do n't feel like PayPal is doing anything to get this money back to me. I have received no emails from them about what is going on. I feel like I let them know we had a problem and before it was in his PayPal account. I just do n't understand why she received the confirmation email and the money went to the wrong account. I need help from someone to see what happened. and why they could n't get this money back to me. I cant help but believe that this XXXX XXXX found a way to copy my daughters phone number to get this money. i tried to email him myself and my message was returned to me reading that that email address was not a valid address.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (FL)

In according with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. And XXXX XXXX XXXXXXXX account XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the rights to privacy. 15 U.S.C. Section 604 A Section 2 states also consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166b ( A ) creditors may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

My position as a disabled consumer : I had been denied credit by creditors, due to inaccurate/ fraudulent reporting by Experian. The XXXX XXXX collection is for XXXX account opened by identity theft, in my birth name XXXX XXXX. In which I haven't used since married in XX/XX/XXXX. 2 years of late payments being reporting with this account. XXXX XXXX XXXX  XXXX credit card account, that I opened in XX/XX/XXXX. Was paid in full and I requested by phone to close credit card account, due to incorrect billing by XXXX. It reporting XXXX late payments on this closed account.
Consumer complaint received 2017-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have contacted Bank of America via certified mai l 4  consecutive times asking them to validate this negative information reported on my credit reports. On   X/XX/XXXX   #  XXXX  on     XXXX     #  XXXX  &amp; #  XXXX  And on   X/XX/XXXX   #  XXXX  after disputing this account with the credit bureaus Bank of America refuse to validate this debt pursuant to the Fair Debt Collection Practices Act. And as you see i brought it to their attention after receiving the results of the  Investigation  per my   XXXX   credit report they said they validated this debt but neglected to mark it as disputed within 30 days of the dispute. Bank of America has yet provided me with any contract bearing my signature showing that I have or ever had some contractual obligation to pay them. But still mark my credit reports with negative marks.
Consumer complaint received 2022-11-02
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: QuickClick Loans of Illinois, LLC (MO)

BROOKWOOD ( USING SELECT  MGT. ) HAS ON NUMEROUS OCCASIONS CALLED ME AT WORK AGAINST MY EXPLICIT INSTRUCTIONS TO STOP CALLING ME AT WORK. IN THE PROCESS, THEY HAVE REVEALED TO MY EMPLOYEES THAT I HAVE A LOAN AND THEY ARE A COLLECTION AGENCY. THEY EVEN TRIED TO VERIFY MY EMPLOYMENT ON  XXXX / XXXX / 17 . THEY HAVE BEEN AGGRESSIVE AND THREATENING WHEN I HAVE SPOKEN TO THEIR  COLLECTORS  THREATENING LEGAL ACTION. I HAVE ATTACHED PHOTOS OF THE CALLER ID AT MY WORK. THEY WO N'T STOP CALLING MY WORKAND EMBARRASSING ME.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I attempted to get my annual free credit report. I was unable to proceed after the security questions were returned as incorrect. I didn't believe this to be true. I called their Customer Service line, and proceeded to do an immediate Identification and facial check over their secure line. It was with a XXXX XXXXXXXX XXXX  and my in the moment photo scanned by them. They indicated that my identity could not be determined from the XXXXXXXX XXXX  they took a live scan of and my face that they took a live scan of. When I requested an explanation of why that was, they could not provide an answer, or even explain where they perceived a discrepancy. It felt like I was being denied service and discriminated against, and a false ID was absurdly being used as the reason.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2022 I made a payment on my XXXX secured credit card with a limit of {$300.00}. A couple days later I received a notification and email that payment posted and it reflected in my bank account. A week or two later I got another notification that my account was over the limit. Knowing I hadnt used it I checked to find out why and the payment wasnt reflecting and my balance was actually $ XXXX more than the original amount prior to the payment. I tried calling which i normally dont have an issue with but unable to reach anyone. This over the limit amount and late payment immediately reflected on my credit report. After trying to contact the company and resolve this with no luck I disputed it through Experian this morning. Within an hour of disputing I received a notification from Experian about the change of status of the XXXX account. Feeling relieved that the company resolved their mistake I checked the status to find there was an additional {$100.00} added to the balance!!! But yet my payment history still shows current. These inconsistencies are proof of their unreliability and false reporting. Additionally youll find the attached screenshots of the unavailability of more current than XX/XX/2022 info in my account available
Consumer complaint received 2022-11-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2020-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC (WI)

I started receiving calls from this company. Robo calls. 

Tried to get verification from them. Written verification they have refused. 

I emailed, faxed and sent certified mail which they signed for. 

I have got nothing from them
Consumer complaint received 2022-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/2022, I wrote to XXXX, XXXX, Equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2022 I received a mail notification of " Final Request For Overdrawn Payment '' from Citizens Bank XXXX Citizens Bank, N.A. ). The amount overdrawn per the letter is {$45.00}. The letter included the correct home address and correct name spelling. It also included the final 4 numbers of the bank account.

I do not have and never had a Citizens bank account.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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.

Duty : a moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.

As defined by the IRS Even if you didnt receive a form 1099-c you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 2022-11-02
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 XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( redacted ), 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, Equifax, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (ND)

Dear Sir or Madam : Shellpoint Mortgage Servicing, the servicer of our mortgage loan at XXXX has recently obtained our loan from XXXX XXXX XXXX. Please treat this as a Notice of Error pursuant to the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). 
Shellpoint notified us in a letter dated XX/XX/XXXX that we have been imposed with forced placed hazard insurance. The amount of coverage on this policy is {$250000.00}. There is no value remaining in the home and/or is the home in an insurable condition. The original lender, XXXX XXXX XXXX failed to follow the Flood Disaster Protection Act of 1973 and we lost all of our personal property and newly purchased home as a result of it. There is no basis for forcing hazard insurance as well as the unfounded amount of coverage they implemented. This is a violation of 12 CFR 1024.37 ( b ) and ( c ) 1. 
We are wrongfully being charged {$2000.00} worth of an annual premium for a policy that does not cover anything. Additionally, Shellpoint mortgage servicing is defrauding an insurance company for a policy on a home that is uninsurable. 

Thank you in advance for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ).
Consumer complaint received 2017-09-09
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. (LA)

Equifax divulged an immense amount of personal info due to a cyber attack. I am one of the people affected. Their resolution was to provide a year of credit monitoring. I do n't believe that 's fair.
Consumer complaint received 2023-08-13
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: TD BANK US HOLDING COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.