davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX : XXXX XXXX XXXX - XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX : XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Law Offices PC (CA)

Over the last XXXX months, I have made XXXX payments of {$50.00} on a debt being collected by Southwest Law Office, and have not been able to be sent a letter in the regular mail or email confirming my payments and notifying me of my updated balance. This does not seem professional or legalally sound to assist a person who is honestly trying to eliminate a debt. They did not, and still have not, notified me that I could dispute the debt.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

When the account was under XXXXXXXX XXXX, all payments were automatic and over the minimum amount. When the account was sold and switched in XX/XX/2022, they were not able to access my old account for some reason to show proof of my payments. The minimum jumped from less than {$100.00} to over {$300.00} and my automatic payments were not covering it. I called to figure out why the minimum payment jumped up so much and I guess they did not honor my promotional XXXX from the account I actually signed up for, and decided to charge it all at once in a single month. I joined a hardship payment plan/program that the representative assured me would make it so my payments were not late and it would be acceptable to pay less than the past due balance. Though conveniently, I can not access my account records that show this. 
I used debt consolidation services to work out an agreement, which is paid every month and theyre still reporting late payments. Essentially, I have been paying dutifully every single month, and they refused to lower my payments or register my COVID hardship program.
Consumer complaint received 2023-10-03
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. (FL)

These accounts are being disputed because they are not mine and are in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Skopos Financial, LLC (TX)

I had asked XXXX to remove the late marking due too my husband and i being in the hospital. Then my husband had lost his job and i had to heal from my XXXX. They said it is my responsible to still manage the car. So they said deal with it then all this XXXX had put us behind as well.Right now my husband is still out due to his XXXX XXXX. So i asked them to help us out.To remove late fees and reporting to the bureau.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Propel, Inc. (TN)

After Social Security administration told me that providers card mobile banking account has received my XXXX XXXX XXXX payment on XXXX of XXXX i have reported thatto providers, card, customer service the providers card account isnt showing the payment that was received i need my missed XXXX XXXX XXXX payment of {$910.00} i keep sending email messages to providers card email address and dont get the results i need and deserve to receive by them every time i call them i leave them voicemail tomessage and they dont call me back i have considered placing a lawsuit against them for holding my XXXX payment that belongs to me
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
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. (TX)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX / XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX OF XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ATG Credit, LLC (NY)

ATG RESPONSES TO MY LAST COMOLAINT AS SHOWN " Upon review of the call recordings of the outbound calls made to the consumer and there was no evidence of obscene, profane, or other abusive language used by the collector. The consumer refused to identify himself on every attempt to contact. Furthermore, attached are the Merchant Agreement, Merchant Statement and Store invoice to validate the charges of {$15000.00}. We are happy to negotiate payment arrangements via LiveChat on our website www.atgcredit.com or via phone at XXXX '' is direct evidence that they have contacted me the consumer in regard to a debt without the direct consent of i the consumer or the express permission of a judge
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed 4 late payments on two capital one accounts as shown in my dispute letter. These payments were initiated before the due dates in XXXX XXXX XXXX XXXX but they posted late due to USPS delays. Capital One has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (FL)

On the morning of XX/XX/2023, at XXXX am, I was alarmed to discover multiple unauthorized XXXX transactions within my US bank account. Promptly, I reached out to the bank as soon as they commenced their business hours to report the incident, clearly communicating that my account had been compromised. 

The bank initiated the process of closing my account ; however, during the time I spent on the phone with them, more XXXX transactions occurred, amounting to a total of {$3000.00}. Understandably, this left me greatly distressed by the situation. 

I diligently proceeded to follow the bank 's prescribed protocol for reporting the fraudulent activities. They offered to close my account and provided instructions for obtaining a new debit card and a fresh account. Regrettably, I found myself unable to access not only my account but also the funds directly deposited from paychecks the following week. 

Today, on XX/XX/XXXX, I was deeply disheartened to receive six letters notifying me that the investigation had concluded and all my claims of fraud were denied. This news left me physically shaken and overwhelmed with frustration, as it seemed that the bank was unjustly treating me as if I had intentionally initiated these transactions. It was profoundly disappointing to receive no protection or assistance, only denial, from the bank. 

Upon conducting some research, I discovered that this type of fraud is alarmingly common, with banks frequently denying such claims, resulting in nearly {$6.00} XXXX in denials annually. This revelation has left me thoroughly disheartened, and I am now in urgent need of assistance to resolve this matter. 

Over the past two weeks, I have dedicated approximately XXXX hours to phone calls with US Bank, all to no avail. Consequently, I am now in the process of filing a report on XXXX and seeking legal assistance. 

In the event that my case is unjustly denied, I am prepared to take this matter to the media to bring attention to the injustices perpetrated by banks. I sincerely hope that you may find my case compelling, and I am immensely grateful for your consideration and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-13
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. (MD)

XXXX Account was created XX/XX/2022, due to identity theft, and as a result it is being reported on my credit report with inaccurate information. Also Experian and XXXX continue to report this inaccurate information, which is a part of identity theft, Police Report attached
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC (NY)

On today 's date XX/XX/23 XXXX XXXX out of XXXX, NY contacted my cell phone to talk about my debt. Having not answering the phone call being at work this company proceeded to contact my mother, my sister, and my EX HUSBAND regarding this debt. This is illegal and embarrassing!
Consumer complaint received 2023-10-03
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. (VA)

In accordance with Fair Credit Reporting act these accounts have violated my rights XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CA)

My loan was originated with XXXX XXXX XXXX Mortgage in XXXX XXXX. Then it was acquired by PHH Mortgage in XX/XX/XXXX. 
In XX/XX/XXXX PHH Mortgage sent a notification with a 46 % increase over my monthly payment so starting on XX/XX/XXXX the payment went from {$2800.00} to {$4200.00}. 
Escrow account shortage was the justification provided by PHH Mortgage. 
I called Customer Service and the only solution they provided is a loan modification which I did not accepted because I will lose the terms negotiated when the loan was originated. 
I have been struggling since then to maintain the loan current assuming the additional monthly payment of {$1300.00} but this increase is hurting my financials and soon I will fall behind with payments.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America XXXX of 2017, my now XXXX XXXX used my personal only under my social security number with a secret code and instructions to bank to only use after in person showed XXXX types of ID license, military ID card, and BOA card was used to cancel my plane ticket to Hawaii, and used fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I additionally was charged by the XXXX XXXX XXXX XXXX and cab fares from a company in XXXX, and other 's. The airfare was on XXXX XXXX. I notified XXXX XXXX XXXX  XXXX and Police of the child abduction as well as calling in a XXXX XXXX in NY and filed an IA report against the police who did not follow the law regarding parental abduction. The total direct fraud was over {$3800.00} subsequent and prior fraud due to witnessed alleged XXXX XXXX equalled over {$7000.00}. The same person in the divorce proceeding stated he did not have access to the card number nor total while under oath. I contacted BOA to no avail. in 2017 XXXX. A FBI investigation is still awaiting an agent per my response to DOJ for not following up by the FBI in a timely lawful manner. I have a credit consolidation but will not include the fraud, it is stopping me from clearing my once XXXX credit. I was XXXX  due to all the perjury and fraud, mostly due to XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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 am filing a complaint for the new collection that appeared on my credit report. The original creditor on this new collection is the same as the creditor on my previous collection, which was removed in XX/XX/XXXX The previous collection was verified as inaccurate and invalid, so it's been removed.

Last week, I received an alert about the new collection on my credit report but was not properly notified by the creditor or collection agency. I believe this is an illegal reinsertion and should be deleted from my credit report.

In addition, I also found an inaccurate late payment to one of my accounts. I believe the late payment was caused by a system error as I set it up with my auto-pay account.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These accounts are being disputed because they are not mine and are in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (WA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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. (TX)

Experian has furnished information on my credit report that I did not give authorization or written consent for Experian to do so. The information or account is XXXX with account # XXXX