davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (MA)

I have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was charged a cash advance fee for using XXXX. I then paid the fee and the entire amount of the cash advance off, and Capital One is still charging me a monthly cash advance fee, and a separate interest charge. I have spoken with management and I was hung up on when asking for an explanation.
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX party debt collection means charged off and is now considered a certificate of indebtness. XXXX Cancelation of a debt. This is now means this is income and income can not be reported to my credit report. 

Please remove from my credit report. 

Account : Procollect INC XXXX
Consumer complaint received 2023-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

XXXX XXXX reported my FHA mortgage as delinquent while in the middle of the modification and partial claim process while trying to transition out of my forbearance under the Cares Act. The mortgage was under XXXX forbearance. There are several months reported as delinquent during this process.
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

CC : XXXX, XXXX, XXXX Third party debt collection means charged off and is now considered a certificate of indebtness. 1099C cancelation of debt. This now means this income and income can not be reported to my credit report. 

Please remove from my credit report. 

Account Procollect INC XXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Today on XX/XX/year> I received a text message and email stating to contact Chase bank to help protect against fraud, they will restrict my bank account and may need to close it. So, I contacted Chase bank and they gave no reason why they closed my account and that I may receive my money in 10 business days. As a person who doesnt have a lot of money, 10 days is just too long. They will not help me in anyway.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2023-08-12
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. (IL)

XXXX, XXXX XXXX Transunion continue to report the account XXXX XXXX XXXX acct # XXXX inaccurately and without my written permission. I have asked several times for the three to STOP reporting this inaccurate information.

None of the information the three are reporting is accurate are matches up. They must present accurate information and have consent from I the consumer with whom it relates.

1692 ( a ) - Consumer has a right to privacy.

1681 ( a ) ( 4 ) - Consumers right to privacy 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt.

1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer.

1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WA)

Loan Care will not honor my valid Divorce Decree and Filed Quit Claim Deed for my XXXX  Forbearance partial claim and modification under the CARES ACT -- loan # XXXX FHA Case # XXXX They are denying my modification and partial claim unless my ex-husband signs the documents.
Consumer complaint received 2023-09-29
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-12
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. (FL)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately
Consumer complaint received 2023-07-05
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. (NC)

My name is XXXX 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.
Consumer complaint received 2022-01-03
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (FL)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately
Consumer complaint received 2021-03-12
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: ERC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (TX)

they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer report
Consumer complaint received 2022-01-03
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023, I contacted the XXXX fraud department to request a letter stating that I have continuously been a victim of identity theft. I had an office visit with the Department of Social Security Administration and they requested a letter on XXXX letterhead stating this information. After being on hold for 45 minutes, I was transferred to department after department. I explained that I am a victim of XXXX XXXXXXXX and my attacker continues to find me through my social security number and date of birth due to him taking my purse from me during the altercation. The Department of Social Security Administration stated, " If I could obtain all documents from each credit bureau that I would be able to receive a new social security number. '' I have given years of copies of disputes from each credit bureau showing this information. When I called, I calmly explained the situation and I was told that they could only send me a copy of my credit report. I asked for a manager and was transferred to someone by the name of XXXX claiming to be a manager and simply restated the exact same thing as the previous four people. If something was to happen to me that I would leave a written statement for the public, and all parties involved after numerous attempts to protect my life were bypassed because of a letter.
Consumer complaint received 2023-06-07
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. (PA)

This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the following inquiries which are opened without my knowledge. I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Please delete the following inquiries : XXXX 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 XX/XX/XXXX.
Consumer complaint received 2023-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, I contacted the XXXX fraud department to request a letter stating that I have continuously been a victim of identity theft. I had an office visit with the Department of Social Security Administration and they requested a letter on XXXX letterhead stating this information. After being on hold for 45 minutes, I was transferred to department after department. I explained that I am a victim of XXXX  XXXX and my attacker continues to find me through my social security number and date of birth due to him taking my purse from me during the altercation. The Department of Social Security Administration stated, " If I could obtain all documents from each credit bureau that I would be able to receive a new social security number. '' I have given years of copies of disputes from each credit bureau showing this information. When I called, I calmly explained the situation and I was told that they could only send me a copy of my credit report. I asked for a manager and was transferred to someone by the name of XXXX claiming to be a manager and simply restated the exact same thing as the previous four people. If something was to happen to me that I would leave a written statement for the public, and all parties involved after numerous attempts to protect my life were bypassed because of a letter.
Consumer complaint received 2024-05-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (NY)

Mortgage company keeps changing payment amounts Recently requested review due to senior tax exemption Fax required documents to show proof of senior tax reduction XXXX in XXXX calendar days Selene fianc stated it will not be ready until XX/XX/year> Predatory lenders! Cant find a lawyer to sue because its a private lender This site doesnt help at all!! This servicers can do whatever they want! Make errors and correct them! If WE make an error we lose our jobs or our houses! Stop protecting Selene finance Yes an officers was assigned to the last complaint! Called me twice and never heard from him again! I guess I will file a lawsuit my self against Selene finance!
Consumer complaint received 2022-11-29
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.