davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that Select Portfolio Servicing ( SPS ) filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that Select Portfolio Servicing ( SPS ) submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the contract.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-03-28
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-28
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. (DC)

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 1099-C 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 entitiesinvolved.
Consumer complaint received 2023-03-02
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. (FL)

My legal name is XXXX XXXX XXXX I believe my personal information was hacked/stolen and need to remove an alias on my credit reports from XXXX and Transunion. The alias is written as XXXX XXXX XXXX. I have never been known by this name in any way, shape, or form. I request that the name be removed from both credit reports on the mentioned bureaus.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and contest the presence of several fraudulent accounts on my credit report. Upon careful review, it has become apparent that these accounts are not mine and have been erroneously included in my credit history. The gravity of this situation can not be understated, as these inaccuracies have the potential to significantly impact my financial standing and credibility. I have taken proactive steps to rectify this matter by contacting the respective companies associated with these fraudulent accounts. Through these communications, I have obtained assurances that these accounts will be promptly removed from my credit report with your bureau 's assistance. Furthermore, I have diligently followed the necessary procedures and submitted the required documentation to the Federal Trade Commission ( FTC ) to support my claim of identity theft and fraudulent activity. Please take off these accounts from my file : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (MO)

For XXXX  this company has been harassing me. While working, while at school, even while Im sleeping. They call from all kinds of different numbers and area codes. XXXX told me they sold the account to a third party for {$6200.00} to NCB. I said that was fine, but I had been sick and couldnt work for a XXXX XXXX and needed time to return to work. I then told them if they kept harassing me I would then contact a lawyer. They kept calling, then my XXXX calls me and tells me they keep calling her and telling her I owe this amount of money in debt which is illegal. Not only did they call my XXXX more than once, they disclosed private information. I will not tolerate this behavior and unprofessional by this company.
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

XXXX   XXXX   XXXX  sent bills to collect invalid " co-pays '' after we left  XXXX   XXXX  and no longer used them as our primary medical care provider. After using  XXXX   XXXX  for over    XXXX   years, these " co-pays '' never once were demanded from  XXXX   XXXX , and in accordance with our insurance carrier, were not allowed to be billed, that all medical care costs were covered under negotiated costs, that we were not liable for these bogus " co-pays ''. Bills were turned over to : PlusFour , Inc.    XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Plu s Four, Inc.  sent  XXXX  collections notice for an {$11.00} co-pay and a {$88.00} co-pay and when we disputed it, no further action was taken except to cloud our credit reports with collection claims and to attempt to force us to settle in order to remove the negative reporting.
Consumer complaint received 2024-06-25
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: DISCOVER BANK (MI)

Discover Bank is reporting incorrect information as of today XX/XX/year> and this information should be removed off of all credit bureaus because its improper incorrect and its not true. Its fraudulent. 
Please be advised that as of today XX/XX/year> there are several frauds/ or unauthorized information on this account, and I owe less on this debt as of today, but it shows a charged off debt on my credit report. This is incorrect and I will file a lawsuit against you for falsifying information! Im making payments every week to discover! 

Account # XXXX
Consumer complaint received 2023-04-06
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. (MO)

This is my 3rd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, MO XXXX , XXXX XXXX XXXX XXXX XXXX, MO XXXX , XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$420.00}, XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2023-05-22
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. (CA)

Please remove all non-account holding inquiries : XXXX XXXX XXXX-inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX-INQUIRY : XX/XX/2023 2023
Consumer complaint received 2024-03-28
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. (GA)

I am writing to formally dispute the actions taken by Equifax, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX regarding the sharing and reporting of my private information, which I believe flagrantly violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other pertinent statutes. According to Section 602 ( a ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies such as Equifax and XXXX, XXXX, are obliged to carry out their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. Furthermore, Section 6801 of Title 15 of the United States Code emphasizes that financial institutions, including XXXX XXXX XXXX XXXX XXXX, are under a continuous obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information. As delineated in Section 604 ( a ) ( 2 ) of the FCRA, consumer reporting agencies may furnish consumer reports solely upon the written instructions of the consumer to whom the information pertains. I have not furnished written consent for the dissemination of my information by XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX or XXXX. Consequently, any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. XXXX XXXX XXXX XXXX XXXX, has neglected to provide me with this crucial information, thereby depriving me of the opportunity to exercise my right to opt out. Moreover, the dissemination of adverse information without my explicit permission, as stipulated in Section 1681C ( a ) ( 5 ) of the FCRA, constitutes a clear violation of federal law. Equifax and XXXX, and XXXX. are reporting adverse information without my consent, which is in direct contravention of legal statutes. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, while Section 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Equifax, XXXX and XXXX, are failing to comply with these essential requirements, as evident from their actions. Furthermore, in accordance with 12 CFR 1016.7, I hereby exercise my unequivocal right to opt out of your reporting services. I demand that all reporting activities pertaining to my account be ceased with immediate effect. Moreover, I would like to bring to your attention that, as per 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In light of these grave violations of my rights as a consumer, I demand that Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX take prompt and decisive action to rectify these transgressions.
Consumer complaint received 2023-01-12
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX -Date of inquiry : XX/XX/year>
Consumer complaint received 2021-03-21
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. (MS)

On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit report and asked for an investigation. It has been 2 months and I still haven't received results of an investigation and these unverified accounts are still showing on my credit report.
Consumer complaint received 2024-03-28
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. (NY)

I checked my credit report and I can still see the inaccurate account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. Equifax shows 23 months of good payment history and XXXX shows XXXX. Please delete or removed all late payments. 

Account name : XXXXXXXX XXXX SERVICES Account number : XXXX Date opened XX/XX/2013
Consumer complaint received 2024-03-28
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. (LA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-06-04
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. (NY)

My TransUnion report has not changed the status of my accounts and is not current. My XXXX and XXXX reports are correct and would like TransUnion to do the same. The student loans have been taken off and I now have a XXXX credit score with the other 2 bureaus I would like TransUnion to do the same
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I had completely paid off a charge off account at XXXX  XXXX XXXX on XX/XX/2021 XXXX  XXXX reported to ChexSystems to remove the negative charge still
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC (FL)

The company JPay LLC has been illegally charged me fees on my XXXX debit card from XXXX  XXXX XXXX since XXXX. This is against the law under the federal electronic transfer fund act this is a formal complaint I'm asking that the company pay me {$1000.00} per every time that they charge me a illegal fee and in XXXX they violated the gate law when they access my department of corrections release money
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (RI)

Received an email today from Discover saying my account was closed because they couldnt verify who I am. I've had my credit card since XX/XX/2022 and had XXXX problems and always on time with payments
Consumer complaint received 2017-05-05
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: EQUIFAX, INC. (CT)

I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : 1.   XXXX   XXXX    XX/XX/XXXX   2 .   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   3.   XXXX   XX/XX/XXXX  4.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   5.    XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX     XX/XX/XXXX  7.   XXXX   XXXX   XXXX    XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX  9.   XXXX   XXXX    XX/XX/XXXX  10.   XXXX   XXXX     XXXX     11 .   XXXX   XXXX   XXXX    XX/XX/XXXX
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted They removed a card that was not suppose 2 please put it back on fcra violations