davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC (IL)

I received notice that I owed a debt. I had no idea what it was about or who it was from. The debt was a year old. I asked for verification of the debt. It was still not very clear who the debt was from. There was also no proof that anyone had sent any bills to me previously. I spent some time researching and finally figured out it was a doctor bill for my son from a year ago. Then it took more time to research my wife 's insurance because he was on that insurance and I don't have access to that. 
I had finally verified that this was a legitimate debt that was owed because we hadn't reached the insurance deductible. Then I received notice that it was reported to credit agencies as delinquent. 
My concern is that other than an original bill which was sent to the insurance company we never received a bill until we received a notice of collections a year later. Then 30 days later while trying to verify the debt it was sent to collections. 
I still am not sure who and how to pay the debt because the one paper copy of a collection notice I was sent ( not a bill ) has been lost.
Consumer complaint received 2023-07-22
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. ()

My family was directly affected by XXXX XXXX & XXXX XXXX in XXXX  as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.
Consumer complaint received 2018-05-01
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. (TN)

The small bank has reported an " overdraft installment loan '' to my credit report late every month since XX/XX/2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (MA)

I was served Civil Lawsuit paperwork from a lawyer representing XXXX XXXX, XXXX. The lawsuit is for a little over {$7000.00}. I've never heard from anyone at XXXX XXXX prior to the lawsuit complaint. 

After requesting the documentation regarding the account from the lawyer it appears to be a loan taken out and then later sold to XXXX XXXX after default. 

I was not aware this loan existed, and have yet to be contacted by XXXX XXXX at all regarding this account. The only contact I have had was through the lawyer in the dorm of responses to court documentation requests.
Consumer complaint received 2023-09-10
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. (SC)

I sent letters to the bureaus time and time again. .I received a credit report from you and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first. U.S. Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under fair reporting act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 

They continue to provide stall letters so they wouldnt have to abide by law and deleting these unknown information off my report eliminating my fair chance at being an good consumer.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX XXXX notified me of suspicious activity on my credit report. An unauthorized person applied for credit in my name without my knowledge. Because I am a victim of identity theft and fraud a fraud alert was placed on my credit report for 5 years. It is still active!
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance law with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (WI)

In XXXX of XXXX  I called Flagstar Bank questioning why my mortgage was increased by {$800.00} when I just paid them {$16000.00} to get out of foreclosure. Flagstar agreed that it was incorrect and gave me a confirmation number for a re-evaluation to my escrow. This conversation is on a recorded line. They said I should receive information within 5 to 7 days of the evaluation and the account would be updated as well. I have not received information on this matter nor has my account been updated.
Consumer complaint received 2023-06-16
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX RE : 3 Credit Bureau Accounts and Experian, XXXX, XXXX Source XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX This letter is being sent to you in response to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligations to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with any copies of any papers that show I agreed to pay you what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you if your offices have reported invalidated information to any of the XXXX major Credit Bureaus. ( Experian, XXXX, XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following. 
Violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character. 
If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time ALL Collection activities must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. 
XXXX XXXX
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Ark-La-Tex Financial Services, LLC (FL)

On the XXXX, the " items you can not shop for '' are outrageous. A credit report fee of {$250.00}. That is obviously marked up. I was my understanding that the required items for closing were a pass thru fee, the exact cost to the borrower. From this lender, they are apparently marking up the required fees. I have the XXXX. This is my son in law. I am supplying a gift letter for closing funds. I would definitely shop for these items as they are way out of line for what the market normal is.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I pulled up my credit scores with XXXX XXXX tonight. It was noted I had a hard inquiry on my credit report with TransUnion for XXXX XXXX. It was noted the inquiry was from the dates of XX/XX/XXXX through XX/XX/2023. I have not called, applied or filled out any applications for a credit card with XXXX XXXX. I did not authorize this inquiry!
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had two different claims filed in the XXXX XXXX with bank of america prepaid card services. The initial claim or 1st claim that was filed in XXXX for the amount of {$210.00} was not submitted by the representative. Until XXXX of XXXX XXXX XXXX. Neither at the time of me following the claim or when The abandoned claim was finally submitted in XX/XX/XXXX. Have I been given provisional credit and Continues to remain in a pending status. The other claim which was supposedly resolved with an inclusive letter dated XX/XX/XXXX States the amount of the claim that was supposedly resolved for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX dollars at which I received exactly XXXX XXXX XXXX dollars. Upon contacting customer service and reaching out to hierarchy or hierarchy or supervision the back office supposedly was contacted and gave a date of the following Friday when the. Rest of the funds would be there which never occurred. Between this claim and the one that had been abandoned and finally filed in XXXX of XXXX. I have yet to receive any correspondence from the investigation team. I have not received the remaining funds from the claim that was over XXXX XXXX dollars. I never received any XXXX credit though hardship claims and missing credit claims were submitted as well as complaints by both customer service reps in supervisors. Police reports were filed as well as documents faxed over by myself and yet nothing has occurred except a non responsive investigating team that will not even consider Provisioning me after the claim submissions. Also a representative Notified me that the car had only been blocked but had not actually been canceled.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There is incorrect information on my report when I dispute it, I was mailed a letter stating that is was verified, when there is no way the could 've verified it, I contacted the clerk of courts and they stated they do not verify anything over the phone or by mail the only way would be to come to the office with the social and it was actually have to be the person in question.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc. (OH)

Falsely Reported on Credit Buros for over 4 years, damaging our credit records & causing us harms since been denied place to rent, live, having to paid pretty much over 50 % of our income at locals Hotel since we move from XXXX to XXXX XXXX on a New Job trends. We paid our rent on time, every month, on vacating date a review the premisses an release us conforming site rules and regulations without any additional charges with the promise of forwarding the initial deposit to our new address, ( We got a copy of that Doc & Deposit Cashier Check copy ) We didn't received the deposit instead we received a charge for {$530.00} We have disagree with the new charges and a dispute all these years along it. 

We might provide throug all places lived before a Clean Renters Records, this company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, through deb collectors National Credit System Inc, have placed us in a very bad situation since reported credit buros because we have been denied a place to rent and live due this situation, we have been living in a hotel room for over a month so far, our belongins in a XXXX storage pending on clearing this situation.
Consumer complaint received 2023-06-16
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. (IL)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following XXXX XXXX  XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2022 received email from Capital One that they are inexplicably closing my accounts & returning funds via check within XXXX days. 
This time frame has passed & when I called they said account was under " review " and suspended indefinitely. We simply want Capital one to honor their word & return my money.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion is using stall tactics so that they do not have to investigate my dispute. I've already assured them that I am a victim of fraud and therefore it is myself disputing such things off of my credit report. A identity theft report has been filed months ago.
Consumer complaint received 2023-09-10
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Negative Information XXXX XXXX Account # XXXX Dear XXXX Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score. 

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that XXXX conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-10
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Negative Information XXXX XXXX Account # XXXX Dear XXXX Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXXXXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score.

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that XXXX conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-10
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NM)

XXXX XXXX  and others have tried to appease my " lack of payment ' FOR SERVICES RENDERED. 

NO SERVICES WERE EVER RENDERED. 

Frankly, I, and I am sure many others are afraid to go against " Lexington LAW ''. 

Your help would be appreciated. 

Willing to participate if need be in recovering monies owed to individuals trying to make a difference and being taken advantage of. 

XXXX XXXX XXXX XXXX