davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (TX)

I have asked for legal documents to be provided by the ones reporting this to the credit bureau and nothing has been provided for the balance of XXXX and I continue to have such a damaging report repeatedly by submitting new data every cycle as they amuse without any foundation at all.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 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 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2018-10-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

During my divorce my ex-wife was award the house and was 100 % responsible for the mortgage payment and upkeep of the house. In XX/XX/2018 my ex-wife abandoned the property and moved to another state. Freedom Mortgage contacted me and held me responsible for the mortgage payment even though I furnished them the divorce degree indicating my ex-wife 's responsibility. They told me that they could repossess the house and ruin my VA eligibility to purchase another house. Prior to contacting me they started reporting negatively on my credit report. To prevent further damage to my credit report, VA eligibility and repossession, I filed a request for assistance with the loss mitigation department of Freedom Mortgage. At that point I could not afford the additional mortgage payment and my ex-wife refused to list the property with a realtor. I had to take my ex-wife to court to gain a Judgement enforcing the divorce degree and allow me to list and sale the house without her participation or authorization. I kept Freedom Mortgage informed of my actions. In XX/XX/2018 I got a buyer and closing date. The house was sold and paid off on XX/XX/2018. On XX/XX/2018 Freedom Mortgage reported XXXX passed due to the Credit reporting agencies even though they received the payment in full. I submitted request to dispute the 30, 60, and 90 day past due along with my divorce decree and judgement because I felt I should not be held responsible and punished on something that another parties fault and responsibility. After I submitted the dispute, I received an alert that Freedom Mortgage reported 120 days past due. This was after the house was sold and the mortgage paid off. When I contacted them to ask that report be removed they argued with me and told me that they acted in accordance with the law and that I was 120 past due when they made the report. They said their action was according to my contract, however would not furnish me the contract or indicate where in the contract. Additionally my original loan was made with another mortgage company which sold it to Freedom mortgage.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (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, XXXX XXXX Equifax 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 Metro2 compliance. Provide me with the Metro2 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 XXXX Cancellation of Debt. XXXX, XXXX, Equifax  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
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-27
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. (IL)

XXXX XXXX Last XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to 15 U.S.C 1681, and 15 U.S.C 1693 ( 2 ). 

Companies/Accounts 1.XXXX XXXX  2. XXXX XXXX ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE 15 U.S.C 1693a subchapter 2 - Explains identity theft and accounts reporting.

15 U.S.C 1681 section 602a- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
15 U.S.C 1681s-2 ( A ) ( 1 ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- XXXX XXXX
Consumer complaint received 2023-06-02
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)

There is personal information on my credit report that needs to be removed from my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is not supposed to share my financial information to third party people. 

These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (MI)

XXXX ) MONTGOMERY WARDXXXX XXXX... XX/XX/XXXX... XXXX : {$310.00} XXXX ) GINNY'S/ XXXX... XX/XX/XXXX... XXXX : {$200.00} XXXX ) MONROE & MAINXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : {$100.00} XXXX ) XXXX XXXX OPENED... XX/XX/XXXX... XXXX : {$420.00} XXXX ) ASHRO/ OPENED... XX/XX/XXXX... XXXX : {$290.00} THESE ACCOUNTS WERE NOT MINE. I AM WORKING WITH FEDERAL TRADE COMMISSION, XXXX, XXXX, XXXX, AND XXXX. PLEASE SEND ME THE ORIGINAL COTRACT OF THESE ACCUNTS OTHERWISE PLEASE REMOVE THESE ACCOUNTS FROM ALL ( XXXX ) XXXX OF MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR OVER 20 YEARS. I AM XXXX XXXX XXXX, AND SOMEONE HAS KEPT ME FROM EVER HAVING ANYTHING. I WAS HAVING MY XXXX XXXX AT THE TIME OF THIS UNFORTUNATE WAS HAPPENING TO ME. I HAVE NOT APPLIED FOR ANY CREDIT WITH NO COMPANY SINCE FRIDAY ... XX/XX/XXXX. I HAVE NOT APPLIED FOR ANYTHING. I MUST GET HELP ABOUT MY ACCUNT. I HAVE BEEN IN EVERY BREECH THERE IS KNOW TO MAN. LIKE XXXX. I HAVE LOST SOOOOOO MUCH. I HAVE NEVER EVER BEEN ALBE TO DO ANYTHING WITH MY LIFE DO TO THIS. I AM A WIDOW 3 TIMES AND I AM OUT HERE BY MYSELF WHICH IS OK IF MY NAME AND SOCIAL WAS NOT USED FRAUDULENTLY. PLEASE HELP ME... THIS HAS BEEN GOING ON OVER HALF MY LIFE. ALSO CAN YOU CHECK TO SEE ... .WHY XXXX XXXX  NEVER REPORT MY MONTHLY PAYMENT TO THEM SINCE I HAD MY CAR ON FRIDAY ... XX/XX/XXXX. MY SCORE WOULD BE PERFECT IF THEY WOULD HAVE BEEN REPORTING MY PAYMENTS FOR OVER 5 YEARS NOW. AND YOU KNOW... ..IF I HAVE NOT BEEN PAYING ON THIS VECHILE FOR 5 YEARS NOW ... .THEY WOULD HAVE BEEN REPOSSED THE CAR. IT'S LIKE I CAME IN THIS WORLD TO HELP OTHERS, THAT IS WHY I BECAME A XXXX, TO HELP OTHERS. BUT LOOK WHAT IS HAPPENING AND WHAT'S BEEN HAPPENING TO ME OVER HALF MY LIFE. I AM A STRONG WOMAN BUT THIS HAS BEEN GOING ON SOOOOOOO LONG NOW, I DON'T THINK I HAVE ANY MORE STRENGHT TO KEEP GOING THROUGH THIS. I MUST FOCUS ON MY NEW LIFE THAT GOD HAS GIVEN ME. PLUS I'M GETTING READY TO GIVE MY SON A XXXX. PLEASE KEEP US IN YOUR PRAYERS AND WE WILL DO THE SAME. PLEASE FIX THIS ... THANK YOU GOD BLESS STAY SAFE XXXX XXXX
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (DE)

I was notified XXXX XXXX XXXX ( Convergent ) on XX/XX/2018 regarding an alleged debt on behalf of XXXX XXXX XXXX , XXXX ( see attached ). At that time, I contacted Convergent via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from Convergent dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. Convergent, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to Convergent on XX/XX/2018. At that time, Convergent stated that they closed the account and sent it back to XXXX XXXX XXXX , XXXX ( " XXXX '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as Convergent. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and XXXX XXXX XXXX , XXXX ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to XXXX XXXX, and I needed to contact Debt XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX , XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of XXXX.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

I have a XXXX XXXX XXXX  no issues whatever besides the excessive oil burning. I get regular oil changes, have taken it to plenty of place wheres they dont find an issue or say its normal for XXXX XXXX be fine just always check my oil levels or saying I didnt need oil. My car has been known to stall while driving if I do forget to check the oil before driving which is very dangerous. This has been going on for a while and nobody finds anything wrong. The last time my car stalled it didnt move again it was towed to be looked at and it was found that the motor was blown. The repair man told me he could not find that kind of motor and even if it did the amount Id pay would not be worth it for the car. I called XXXX they said I did not have a warranty because I was over XXXX miles and they also didnt have a engine and even said they dont make the engine anymore and refer me to two other places ONE place did have a used engine it was {$3100.00} and told me it would take 15 hours to repair which would cost me about XXXX. I did finance this car so now im stuck paying for a car rendered useless because I dont have that kind of money and Id I did it would just make sense to get a new car because r could still end up having engine issues after repairs. I know their is a class action against XXXX and XXXX for this exact reason so I just wanted to reach out to somebody.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION ()

In XXXX XXXX XXXX  I arranged my wife a trip to XXXX for my wife and myself. I booked XXXX  tickets on XXXX XXXX  ( The XXXX XXXX. We reserved tickets forXXXX XXXX XXXX flying from XXXX XXXX to XXXX and returning on XXXX XXXX. Shortly after XX/XX/XXXX, I saw in the news that XXXX  was a strike on the last week in XXXX and XXXX canceled more than XXXX flight, including my flight to XXXX. 
I called and spoke with a reservations agent who confirmed the cancelation. I asked for a refund for both flights and was told no problem, but they only refunded {$100.00}XXXX XXXX of the {$360.00}. Many calls and correspondence ensued and they claimed because I cancelled the XXXX  flight, I could only get a partial refund. They expected me to fly back from XXXX even though they were not going to fly me there. 

Things got more complicated when the strike was called off and all flights flew as scheduled. By that time I had re-booked with another airline as I had reservations for hotels, cars and museums that could not be changed. 

I can include some correspondence from XXXX  and CapitalOne, the credit card company who refused to accept the documentation I can send you. Also included are news stories about the strike and the cancellation. 

My complaint is with both XXXX  and CapitalOne. I would like the rest of my refund of {$260.00} from XXXX. If not, then I want CapitalOne to accept. And review the documentation so they can dispute with XXXX.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-18
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-31
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. (FL)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any in formation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.