davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (GA)

I was notified on XX/XX/XXXX that the US Bank Credit Card account which as been open since XXXX ( XXXX years ) was closed for the following reason " Your account has been inactive for at least 12 months ''. I believe the systematic closing of revolving accounts during the time of COVID-19 is an acknowledgement of the bank 's credit underwriting model risk failures and attempt to force customers to involuntarily undergo re-credit rating using the bank 's new credit models which are more conservative given the current COVID-19 regime. 

Closing the single longest trade line reduces the average length of credit and other history related variables considered in credit scoring decisions. Adverse impact to credit score is anticipated as a result.
Consumer complaint received 2023-05-26
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. (WA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MN)

Reference : LANDLORD/PROPERTY MANAGER AGREEMENT Hello I wanted to see if something can be done about how XXXX confirm documents. I recently checked my credit report and saw a collection. I called the collection company and it was a XXXX XXXX  bill. I contacted XXXX Fraud department since I didn't create the debt. I was told by them that there was an agreement in place that the building owner would take over the electric bill if the tenant does not pay it. I told them I never signed any agreement with them to accept responsibility for electricity in my building. The alternative would be the electricity being disconnected until a new tenant rents the apartment. 

The problem is : XXXX Someone submitted documents in my name for this agreement without my consent or knowledge. 
* XXXX did not ask the person ( s ) to send any verified signature document such as copy of an I.D . or notary signature. 
* This bill was in the possession of XXXX since XXXX and in XXXX they default it and hire a collection company. 
* This collection can cause my creditors to close accounts and lower my credit limit which will have a negative outcome on my living expenses * This Agreement was still active beyond my control of the building. It was used in XXXX andXX/XX/XXXX Hopefully something can be done as this loophole should be closed to prevent XXXX from losing money and/or consumers being unlawfully billed for someone else bad dealings.
Consumer complaint received 2023-07-12
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)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked XXXX, XXXX, and Equifax to reinvestigate the following account. XXXX XXXX XXXX - Account # XXXX. However, they stated that everything was completed and accurate. How is that possible if the status of the account is reporting Account Charged Off/Never Late, with {$1700.00} written off and {$1800.00} past due is incorrect? In addition, reporting the account late monthly on a Charged Off Account. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States a Consumer Reporting Agency can not furnish a without written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( a ) ( 1 ) : States a person shall not furnish any information relating to consumer to any Consumer Reporting Agency if the person knows and/or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

you reported false information about me to a credit bureau, then you sent me an email to harass me about the " major derogatory '' mark that you fraudulently reported. then I replied XXXX off, and you blocked the message in an attempt to restrict my ability to communicate based on my word choice. who the XXXX do you think you are?! you are in debt to me. XXXX you! you dont get to determine what language is appropriate for business. we dont have any business relationship. you are illegally harassing me, and you are involved in criminal fraud. you acknowledge that I commanded you to cease and desist a year ago, and in the next sentence you tell me that I need to do a bunch of stuff. NO! cease and desist means NO CONTACT! I am going to testify against you and you are intimidating and harassing the witness. STOP ALL COMMUNICATION WITH ME! WE HAVE NO BUSINESS RELATIONSHIP! YOU ARE BANKRUPT! YOU ARE GOING OUT OF BUSINESS. PERIOD! STOP CONTACTING ME!
Consumer complaint received 2023-05-31
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)

in accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, has 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 2023-02-02
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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  XX/XX/XXXX
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I actually have two problems here and you just keep giving me the runaround because whats going to happen is youre going to send a response back to the CFPB stating that youll respond to me directly but you dont I mean sometimes I get a form letter from you but I dont actually get any answers you keep saying that you need information you need me to prove that I may do you have access to my credit report but I have sent you copies of my drivers license my Social Security card utility bills and numerous other documents on numerous different occasions I mean weve been doing this for a year now and you keep giving me the runaround I think you all the information and you keep denying me access to my credit report is there a reason Im beginning to think your actions are unlawful at this point and when. I was able to see my report and I was able to get a copy of it this was quite a while ago but you wouldnt let me file a dispute online and Ive asked multiple times why you will not let me dispute something online and you have chosen not to answer that question what Im gon na keep asking the exact same question and keep filing a complaint every time you dont answer the question. All of this really sets off some red flags about the integrity of the credit reporting agency and exactly whos in charge The next concern is it about an account that has just shown up here out of the blue again the XXXX XXXX account it shows a balance of {$16000.00} about six months ago I had four accounts that showed up from XXXX bank on my XXXX XXXX report I looked into them and realize somebody had been using my information identity theft I contacted the bank they agreed with me and closed all four accounts and remove them from my credit report now all the sudden out of the blue the XXXX account shows back up with no apparent reason I check my other two credit reports its not on either one of those its just yours Company that is reporting it again throws up some red flags exactly whats going on there youre not keeping my report accurate thats your job legally that is your job to correct mistakes
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc. (GA)

In accordance with the Fair Credit Act, the following creditors have violated my rights : XXXX ( account ending XXXX ) {$23000.00} XXXX XXXX XXXX  ( account ending XXXX ) {$640.00} XXXX XXXX XXXX ( account ending XXXX ) {$23000.00} 15.U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 section 604 section 2 states : a credit reporting agency can not furnish the account information without my written instructions.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (AL)

I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

This is the XXXX complaint against NationStar the continuously reply back extending the time to get back with me. Now I am finding that since XX/XX/XXXX when I purchase my home and later XX/XX/XXXX Nationstar bought the loan no one recorded my deed of trust nor did they record my Modification nor did they tell me that I had a second lien, after several times asking. it appears the modification was never recorded and the original deeds still remain. Since I have this XXXX, w hat happen if I foreclose or short sell. They also told my Realtor the same story I only have ( 1 ) lien with them. Later I 'm thru HAMP and HUD is taking part of my loan so yes I do have a ( XXXX ) lien. Please help, I do not want the home and trying to short sell, but I am afraid of being sued. I have medical bills, divorced and the house was damage XXXX XXXX and insurance only paid a fraction of the damages.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (TX)

I am applying for an equity line of credit and during the application process, my banker identified an account from XXXX XXXX XXXX XXXX. Which showed in my credit report as a bad debt, nonpaid. I have no idea about this loan, I have never owned a XXXX vehicle or ever financed a car through them. I called XXXX XXXX on XX/XX/XXXX, and I found out there is another loan under my name and social security number for a XXXX XXXX XXXX under my name and someone else. XXXX XXXX tells me the entire process will take about 30-45. It's so unfortunate that I have to wait that long for identity to be determine and I am in the process of applying for a mortgage loan because this is making it very difficult to get the loan. I appreciate your prompt response and attention to this important matter.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

I have been sent to collections for apartment I never lived in, i sent a letter from the state of florid highway safty and motor vehicle stating there has been a fraud infestigation possible fraud. i have sent this letter to all three credit compainies and they still validateing this debt
Consumer complaint received 2023-05-31
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCT # XXXX, has 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 2023-05-25
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. (FL)

I had filed XXXX XXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to TRANS UNION on several occasions, requesting unknown inquiries and several accounts be deleted from my consumer report, in which I have yet to receive a response. 
TRANSUNION also have me listed under XXXX social security numbers! 
The accounts are duplicated on my consumer report. 
The accounts are closed due to being transfered. 
The accounts have incorrect open dates. 
TRANSUNION is in violation of my rights as a Federally Protected Consumer!
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. (TX)

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. 

The letters are stated with items and issues.

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 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

I have requested numerous times in writing and via phone that I want to receive my statements. I received them for a short while but as soon as I switched to paperless I no longer have access. I am trying to refinance and leave this nightmare company and just need a copy of my most recent statement. Hey will not give me one unless I submit in writing again to their research department a request to receive statements. They said it will then take 30 days for a response. All because of a bankruptcy flag from 6 years ago before I was even with t hem ( th ey purchased my loan from  XXXX   ).
Consumer complaint received 2023-06-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX is reporting negative payments during COVID Violating of the Heroes Act. 

According to Section 110401 of the Heroes Act, it clearly states that negative consumer credit reporting is suspended for an additional 120 days during this challenging time. The intention behind this provision is to prevent credit scores from being ruined and to protect consumers from adverse effects on their credit reports.

XXXX XXXX is violating my consumer rights
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

They have yet to update the account 's status on my credit report. This account has been paid off as of XX/XX/, 2023, and they are showing a balance is still owed as of XXXX XXXX, 2023, which has a negative impact on my credit score.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX, 2018, I attempted to deposit cash into my landlords account in order to pay my rent for the month of XX/XX/XXXX. Bank of America would not allow me to deposit cash into the account because they informed me of a new policy that prevented me from paying my rent. This policy is discriminatory against lower income individuals whos primary source of income is cash.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

You are in Direct Violation of The Fair Credit Reporting Act. discover bank, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-25
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-01-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the accounts was 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 below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.