davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (NJ)

I am writing to dispute the following information in my file. XXXX XXXX XXXX accounts with the same account number XXXX are reporting inaccurately on my credit report with two different open dates and credit limits. One report states that the account is current, while another states the account is delinquent and charged off. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting Act, the listed accounts above have 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 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. 

Please investigate this matter and delete it as soon as possible. Thank you.
Consumer complaint received 2023-02-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2017-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (NJ)

To whom it may concern, I started to pay my mortgage on  XXXX   XXXX  at the amount of {$3100.00} as monthly payment. For  XXXX  quarter of  XXXX , there was a property tax credit of {$820.00} due to  XXXX   XXXX   XXXX   XXXX , so for  XXXX  quarter of  XXXX , property tax was {$1700.00} instead of {$2500.00}. At that time I contacted the mortgage lender and they reduced my monthly payment from {$3100.00} to {$2900.00}. That adjustment should last only for 3 months, but they made a mistake and continued to until  XXXX   XXXX . Now they increased monthly payment to {$3500.00} starting from  XXXX / XXXX / XXXX  which I ca n't keep up with.   I contacted them many times to resolve this matter, but the vibe I got is they want to rip me off. I bought this property on  XXXX / XXXX / XXXX , so the  XXXX  quarter of  XXXX  property was already paid by the previous owner on  XXXX / XXXX / XXXX  as shown in "  DOC431.pdf '' . And  XXXX  quarter of  XXXX  property tax assessment was right due to  XXXX   XXXX   XXXX   XXXX . so escrow account shortage was starting from  XXXX   XXXX  to  XXXX   XXXX  for the property tax miscalculation by lender at the amount of {$270.00 } (  {$3100.00} - {$2900.00}  ) ev ery month.So for total 11 month s (  from  XXXX   XXXX  to  XXXX   XXXX  ), the escrow shortage should be {$3000.00 } (  {$270.00} x  11 ).  But the lender kept saying the shortage is more than {$5000.00} with ridiculous lies such as they paid  XXXX  quarters of tax for  XXXX  which is totally untrue.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Hayt, Hayt & Landau, LLC (NV)

I recently received a letter from Hayt, Hayt, and Landau ( without being properly served ) for a NOTICE OF XXXX XXXX XXXX XXXX XXXX XXXX. I was initially very confused about what this was about, but after some digging, I found it pertaining to a XXXX judgment ( XXXX of XXXX  ) that I didnt know existed from an old credit card account for a few XXXX dollars that were a result of identity theft. 

Back in XXXX, someone charged over {$4000.00} to a credit card account with XXXX XXXX. This was immediately worked out with XXXX XXXX and there isn't any debt owed. Hayt, Hayt and Landau are illegally attempting to collect this debt and are trying to sue in order to collect. I have been sent a letter asking to attend an XXXX XXXX XXXX XXXX XXXX XXXX This is illegal and needs to be canceled ASAP. 

Therefore, Hayt, Hayt and Landau violated the following : 1. Illegally attempting to collect a debt that is not owed 2. Trying to sue me to collect a debt that is not owed 3. Attempting to take me to court over a debt that is not owed 4. Illegally attempting to collect a debt after the statute of limitations has run out Upon researching this firm, they have been sued for faking intent to take depositions against individuals and rarely, if ever, went through with the deposition. Per the linked article below, this firm schedules 30-90 depositions within a XXXX time slot, but only XXXX % of individuals actually show up as notified. Of those who appear, only 2 % actually had a deposition taken. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear EQUIFAX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX XXXX : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX XXXX  : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely,
Consumer complaint received 2023-01-07
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. (AP)

In XX/XX/XXXX an audit was conducted by XXXX and found that I owed {$4400.00} for unpaid health benefits from XX/XX/XXXX to XX/XX/XXXX. XXXX attempted to contact me through an address I have not lived for over 15 years! Although my current address is on file at every gov pension that also is distributed by XXXX. In XX/XX/XXXX I got a credit alert about this pass debt. I paid debt in full through pay.gov. Payment did not reflect in their system until they investigated and found payment. XXXX then took off my credit report on XXXX XXXX. Experian still shows negative remarks about overdue late payments. XXXX was the one in error. Experian needs to remove negative remarks and reinstall my excellent credit. Apparently this is a common problem from XXXX that ruins innocent peoples credit. I want to be made whole again by Experian. They are over XXXX pts different from other credit reporting agencies.
Consumer complaint received 2023-01-07
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my report immediately : 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 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (CA)

Discover will not send me my funds ( transfer to other bank ) without overstepping their requests for more information. I am a long-term client, but now that I am withdrawing my funds, Discover is making it extremely difficult to the point of impossible to obtain my money.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, 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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries. The
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

HXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries. The
Consumer complaint received 2023-01-08
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. (PA)

I sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 XXXX not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OK)

I use the Direct Express app the orange one which is direct x popped up in 2019 so now I have to use the orange Direct Express app instead of the green one. Ok someone is making my debit cards my insurance card they are steal my retirement pay and my XXXX benefits. They are informants and friends of theirs doing this. They also XXXX  my XXXX XXXX picture to every state and foreign country that I am a Federal Informant all done by the hand of XXXX XXXX. Please help me I am not an informant he has a lot of foreigners following me around everywhere. My phone is being relayed they fake my calls to Homeland Security because they are alerting my home security videos of my apartment me and my son and of them breaking in pretending to be us in the videos. They faked my calls to the Attorney General because these are informants that XXXX XXXX XXXX and XXXX XXXX is paying to do so. They have my entire apartment complex helping them carry out these fraudulent deeds. They have so many people impersonating me its insane. They are passing out all my personal information to whoever want it. I have proof on my XXXX pages checks the links. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me because me and my sons life is in danger behind this. They are steady passing my pictures around XXXX as well as other states. They are the informants and is mad because I have a protective order in place. They are XXXX XXXX  and its being hidden because they are informants and they are mad because I found out.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NE)

I received money from a cousin to help defray the cost of my younger brothers funeral expenses by way of Venmo. When I tried to have that money transferred to my bank account on the XXXX of XX/XX/2023 I thought it was going to go through. I checked back a few days later the XXXX and found that the transfer was canceled by Venmo and my account was locked. I tried to resolve the problem by email as suggested and am unable to get any type of explanation as to why exactly my account was locked. The amount is XXXX. I tried both email and phone calls to resolve the issue and my account is still locked we need that money asap!!!
Consumer complaint received 2023-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Armada Corp. (WA)

XXXX XXXX keeps adding delinquent accounts to my credit report of which I do not owe. In the past XXXX months I have disputed XXXX set of multiple debts they have claimed that I owe only to have them removed and then another set ( XXXX to XXXX  debts ) added at a later date. They have resubmitted the same debt again, the same debt multiple times and never once notified me of the debt owed or any specifics to the account. I have never received any request by mail. They are currently claiming the following debts : {$180.00} opened XXXX {$290.00} opened XXXX {$290.00} opened XXXX I have already disputed these debts multiple times via XXXX XXXX and had them removed, only to have them placed back on my credit report months later...
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

i have a loan with ally on a XXXX  and during covid time i was a little lat on my payment and they were trying to charge me late fee 's ..at that time by law no financial institute were allowed to charge fee 's!!! and when i called about the issue they were not cooperating and it got worse from that point on ... they kept trying to give me financial assistance Repeatedly!!! I asked for a manager that took me months to reach and was told it was going to be resolved it just got worse!!! so at this time i am in the market to buy a home and they are holding me XXXX giving a bad credit report .. now when i tried to really get this problem fixed i was put through ringer.. there were times that i was on the phone for hrs at a time and were being laughed at from foreign worker 's times when they would say to me we cant hear you and also they left me on the phone for hrs ... and at some point they would hang up on me... so in my complaint i requested all the phone recordings because every phone conversation was being recorded ... as of today they did not send me my REQUEST .. nor are they going to due so. at this point they keep sending my monthly statement late i never get my paper statement on time to pay so i am not late.. they want to pay electronically and i refused to for security reasons...
Consumer complaint received 2023-01-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Onity Group Inc. (SC)

Hello, I am XXXX XXXX. My husband and I owned a home in Maryland and the loan was serviced by Ocwen loan servicing. 
Ocwen is represented by the law firm XXXX XXXX. I have a XXXX and a proud mother to XXXX XXXX XXXX 

I reached out to the lawyer from XXXX XXXX to discuss issues as I did not want to communicate by email. I spoke to my representative at the XXXX XXXX XXXX and she offered to speak to XXXX XXXX on my behalf. 
I phoned the lawyer from XXXX XXXX and introduced myself. To my astonishment I am told I will not talk to you or any one from the XXXX XXXX Society unless they are a lawyer. I informed him she is not a lawyer well I dont need to keep talking and good luck to you and hung up the phone. I am deeply saddened and hurt to be treated by this lawyer this way. 

XXXX XXXX
Consumer complaint received 2022-11-23
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. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-26
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)

I do not have any CONTRACT or Ties to These Companies reporting on my credit profile or The alleged DEBT that they are reporting to my credit profile. I've sent disputes after disputes to all credit. Reporting agencies as well. I hope you can understand this is violation of my rights according to the F.C.R.A 15 u.s.c 6802 15 u.s.c. 1611 15 u.s.c 1601-1602 15 u.s.c 1605 15 u.s.c 1681 15 u.s.c 1692 ( c ) ( e ) 8
Consumer complaint received 2023-02-07
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. (MI)

XXXX XXXX  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. 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  has violated my rights. XXXX5 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. The company took about 37 days. I was advised a response is to be given within XXXX or by law it has to be removed.
Consumer complaint received 2023-02-07
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Credit bureaus have names, addresses, phone numbers and information that is not my listed on my Credit report. The only info that should be listed is info show on my state real id drivers license that i have attached