davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (NC)

Here is the list of inquires thats on my credit profile with XXXX, Transunion and XXXX these items are fraudulent and have no relation to me and I have sent FTC reports and letters to the credit bureau and they tell me my excuses each time as to why they didnt remove the items stating I didnt have dates of the inquires. Then stated they couldnt verify my identity Ive submitted numerous of items disputing these fraudulent inquires to no avail! and wasted hundreds of dollars sending certified mail and still got no results! This is unfair and hindering me from purchasing a house please remove these items XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXXXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2XXXX XXXX
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IN)

NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Letter Account Number : XXXX Dear Sir/Madam, I am writing this letter in response to your recent communication regarding an alleged debt associated with account number XXXX. I must assert that I dispute the validity of this debt and demand that you immediately cease all collection attempts on the alleged account. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the law to request that you provide proper validation of this debt. Until such validation is provided, all collection activities must cease, and no further contact should be made with me or any third parties regarding this matter.

Under the FDCPA, you are required to provide me with the following information to validate the alleged debt : The amount of the debt claimed, The name of the original creditor, A statement confirming that you are authorized to collect on this alleged debt, The complete payment history of the alleged debt, including details of all charges and interest added, A copy of any written agreement or contract bearing my signature, binding me to this alleged debt, Proof that you are licensed to collect debts in the state of Indiana, where I reside, A complete breakdown of how the total amount claimed was calculated, Proof of your ownership of the alleged debt, including the chain of title from the original creditor to NTL Recovery Agency, The date the alleged debt was incurred, and Any other documentation that supports your claim of the alleged debt.

I am aware that NTL Recovery Agency does not have a license to collect debts in the state of Indiana, and your attempts to collect a debt without the appropriate license are a violation of state law. According to the FDCPA, it is unlawful for debt collectors to engage in any deceptive, unfair, or abusive practices in connection with the collection of a debt.

If you are unable to provide the requested validation within 30 days from the date of your receipt of this letter, I demand that you immediately cease all collection activities related to this alleged debt. Furthermore, I insist that you delete any negative reporting associated with this alleged debt from my credit reports.

Failure to comply with this request will be considered a willful violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights.

Please be advised that I am keeping detailed records of all communications, and any further contact made in violation of the FDCPA will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General of Pennsylvania.

Your prompt attention to this matter is expected. I request that you respond to this letter within 30 days from the date of receipt. Failure to do so will be considered a refusal to validate the debt, and I will proceed accordingly to protect my rights.

Thank you for your immediate attention to this matter.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (GA)

Caliber Home Loans is participating in deceptive reporting practices. Prior to XXXX, my mortgage was NEVER late. When schools closed in my county due to Covid, I applied and was approved for mortgage forbearance and did not make payments accordingly. In the middle of this period, the loan was sold to XXXX XXXX. 

XXXX initially reported 3 months of late payments in XXXX. When I disputed this and provided proof of deferment, they change the late payment months are reported erroneously. 

Instead of removing the late payments for XXXX, they selected earlier months to report which is fraud! 

Currently, they are reporting a late payment XX/XX/XXXX, the loan was sold in XXXX! 
XXXX, XXXX, XX/XX/XXXX, online payment history and my banking transactions will reflect that this is a lie and late payments in XXXX, XX/XX/XXXX which is also a lie. 

Had this loan been in default at any time PRIOR to XXXX XXXX, I would have been ineligble for a forbearance.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with section 4021 of the cares act my account was not recorded as current while making accommodations with my creditor on paying payments late. I have wrote multiple letters to the creditor as well as to the credit bureaus on rectifying this problem. All payments on the installment loan from Capital one from the day of XX/XX/XXXX to XX/XX/XXXX should be marked as paid on time.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

i had at least XXXX credit cards with chase bank, j p morgan. also i had a prmier checking account and a couple of cd with jp morgan chase, they force me to closed all my account for no reason, i have been with them for at least 25 to 30years never missed a payment, all pay all my balances in the end of the month, over XXXX worth of credit card they closed it with no reason, i ask the manager of the branch, he said they don't give him any information, i filed a complain with chase but they did not respond. what i think is a descrimination against me because im a XXXXXXXX decent and i have an accen. i have been in this country for XXXX  years and had no problem with any crediters and i pay my charges every month. i have a score over XXXX excellent credit i open another credit card with my business but they waited XXXX months and sent me a letter they are closing my business accounts.for no reason to give or answer my complaine. 
under the descrimination act i think chase is descrimiting againt my race, language and relegion. so i would like to file a complaine.
Consumer complaint received 2023-04-10
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. (AL)

My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from i recently became aware of.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-06-20
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2016-02-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: High Point Asset Inc (MN)

I FILLED BANKRUPCY IN XXXX, AND I PUT THE PAYDAY LOAN ON IT, BUT APPARENTLY THERE WERE OTHER PAYDAY LOANS IN SMALL PRINT, AND DID NOT SHOW UP ON CREDIT REPORT NOW FOR THE LAST FEW YEARS ON AND OFF OTHER COMPANYS HAVE BEEN THREATENING TO TAKE ME TO COURT ECT ... .AND TODAY XXXX XXXX THEY HAVE CALLED ME 5 TIMES AND LEFT A MESSAGE SAYING I NEED TO CALL THEM BY XXXX TONIGHT OR THEY WILL TAKE FURTHER ACTIONS, I TOLD THEM I FILED BANKRUPCY ON THE PAYDAY LOAN AND THEY INSIST THAT THEIR ARE OTHER LENDERS IN FINE PRINT THAT ARE PARTNERS WITH PAYDAY LOAN ... WHAT DO I DO?
Consumer complaint received 2023-06-21
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. 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 2023-09-06
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. (TX)

XXXX, XXXX, Equifax continue to report the same account multiple times on my consumer report. Which is causing me harm. This is inaccurate reporting. There are several inconsistencies listed from each reporting agency and I have repeatedly asked for the account to be deleted. This means XXXX, XXXX, and Equifax continues to willfully violate federal which states they MUST report accurate information and validate any information that is believed to be inaccurate. This information has not been properly verified as the information is not consistent with each reporting agency which makes it impossible to validate as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (IN)

I have had my mortgage with Sun West for almost 3 years. It has been a bumpy 3 years but i always make sure they get theirs. I contracted a life threatening case of the XXXX XXXX virus in early XX/XX/2022, and as such fell behind on my payments to a lot of creditors since i could not leave the hospital/house for weeks, including my mortgage. I made sure i paid my mortgage first and they were taken care of, and have been since. I literally could not work because of my illness, and i was caught up until that point, and they still hit me with late fees and dinged my credit for being late. Well i got them paid, and have been fine since then, however, my credit has not been. That late payment on my credit is keeping me from doing a lot of things i need to do in my life and its just not a fair or good way of looking at on their part. I reached out to them, they sent me back a basic letter telling me " better luck next time '', not in those words, but the gist of it. I know i had some transgressions the year before that, but i am not asking for a handout there, all i am asking is for some mercy in XXXX of 2022 and a removal of that late payment in particular. I was hurt by something out of my control and i am asking for the smallest amount of mercy.
Consumer complaint received 2023-08-21
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)

This is my 2nd 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (FL)

PLEASE SEE SUMMARY ATTACHED XXXX XXXX, XXXX, violated XXXX XXXX standards. XXXX  XXXX XXXX claims XXXX XXXX, XXXX. vetted and verified the fraudulent accounts ; however, this was obviously not true. They failed to properly handle the change documents submitted by criminals as well as failed to comply with XXXX XXXX guidelines which caused XXXX XXXX money to be stolen by these criminals. Between the frequency of documentation requesting account changes, incorrect or incomplete information within those account change requests and the bank actually diverting money back to the credit card processing company at one point but then allowing the fraudulent activity to continue, the credit card processing company and XXXX XXXX, XXXX, had plenty of notice and opportunity to protect XXXXXXXX XXXX funds. The credit card processing company, as well as XXXX XXXX, XXXX., failed to follow its own protocols, as well as XXXX XXXX standards. This allowed the fraudsters to steal over XXXX dollars of money that was supposed to be deposited into XXXXXXXX XXXX bank account, but was deposited into accounts not owned by XXXX and not in XXXX XXXX name. If you look at the TRACE numbers and the changes in accounts, there was not one day that an investigation could have taken place. The credit card processing companies chose to place diverted funds into a holding ( escrow ) account, and never informed XXXX of any account issues, deposit failures or funds being held until almost a year later. This was a clear violation of the terms of the agreement. XXXXXXXX XXXX account should have been frozen immediately upon receipt of diverted monies from XXXX XXXX, who clearly knew it was a fraudulent account, according to the bank manager. Please see attached summary.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The paid in full account with XXXX XXXX is still reporting incorrectly on my credit reports. I have disputed this information over and over and over again, to no avail. Each time the information gets more messed up than the time before. And I continually get the same response from the credit reporting agencies " the information is reporting correctly ''. But, it is NOT reporting correctly, not at all. This is causing me to be turned down for a mortgage and keeping me stuck way over paying for rent when I could be putting money towards equity in a home. All of the late payments are incorrect, and among other things, are reporting the last 90 day lates months past when I sold the home, how is this even possible? Each Credit Reporting agency is showing different information. I know exactly how the information should be reporting, but after literally dozens of disputes, letter mailing, faxing and phone calls. I just do not feel that it should be up to me to show the credit reporting agencies how they should be reporting. I do know that its against the law to continue to report incorrect information for over a year. At this point the entire tradeline needs to be DELETED. If not I will have no other choice but to hire an attorney and take the credit reporting agencies to court. I don't want to do that, but I honestly do not know what else to do at this point. I am at my wits end. The data furnisher points the finger at the CRA 's and the CRA 's point the finger at the data furnishers. This is insanity. I have filled complaint after complaint and dispute after dispute. And each time I get nowhere, but my reports just get more messed up. This just isn't how a XXXX veteran who served this country honorably, or anyone else for that matter, should be treated. And their credit ruined. Its just not right.