davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-Atlantic Finance Co., Inc. (TN)

This charge off is reporting incorrectly on XXXX and XXXX so therefore it should be deleted. this is a charged off account. I have yet to be supplied with a 1099-c anf tha is in violation. on XXXX it is reporting as the following ; XX/XX/XXXX {$6600.00} Closed Overview You have 0 % left to pay on this loan. 

Balance : {$6600.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Individual Remarks Redeemed Or Reinstated Repossession Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Payment history Youve made 79 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But on XXXX it is reporting as ; XX/XX/XXXX {$6600.00} Closed Overview You have 70 % left to pay on this loan. 

Balance : {$6600.00} Highest balance : {$9500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Individual Remarks Unpaid Balance Reported As A Loss By Credit Grantor Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$9500.00} High Credit Monthly Payment {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Payment history Youve made 57 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
why are the payment dates reporting wrong to a credit reporting agency know this will damage my credit. This looks as if someone intentionally set out to hurt me.this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-08-08
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. (KS)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I fell behind in XXXX due to a medical condition. I suffer from XXXX and unfortunately, i wasn't able to work until my condition was under control. I am still XXXX XXXX XXXX care as the situation has gotten worse though the years. I started working with a company that was trying to help me save my home by doing a modification. This started in XXXX durning the pandemic. I was denied and they we tried applying again including my daughters income who lives with me. They denied that modification in XXXX. We then filed an appeal and was still denied. I than decided that was going to sell the property to avoid foreclosure. I started working with a real estate agent to help me sell my home. In the midst of us submitting documents XXXX transferred my loan to Shellpoint. My agent submitted the documents requested. The representative at Shellpoint took weeks to get back to the negotiator as she was requesting updates and for an interior appraisal to be completed. The investor denied doing an interior and i was never provided a denial letter or the reason for denial. The point of contact at Shellpoint refused to provide my representative with the reason for denial.
Consumer complaint received 2023-05-22
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. (NY)

Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer
Consumer complaint received 2023-05-22
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-12
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: CLGF Holdco 1, LLC (TX)

I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit FEB/Gfscs Retail and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MD)

On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. As of this date, the Agency fail to show proof the debt is valid. 

XXXX responded stating that they have previously investigated and verified this account. I sent them a direct request so I believe they are attempting to stall or ignore my right to request verification and have this incorrect information removed. 
I demand that they initiate an investigation as is my right under the FCRA, or send proof that they have previously investigated these listings. DO NOT SEND ME VERIFIED RESPONSES OR COMPUTER GENERATED RESPONSES. 
Please delete these accounts expeditiously!
Consumer complaint received 2018-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, On XX/XX/2017 Bank of America send a wire transfer on my behalf in the amount of {$11000.00} to XXXX XXXX, a bank in XXXX. The recipient name in XXXX is XXXX XXXX. I spoke with XXXX XXXX on numerous occasions and he said that the money has not been received since XX/XX/XXXX of last year. I then asked Bank of America to recall the money since XX/XX/2017 and they have not been able to retrieve the money from XXXX XXXX in XXXX. The Case # at Bank of America is XXXX. I have exhausted every avenue in trying to get the money refunded back to my account since XX/XX/XXXX of last year. I spoke with a representative at Bank of America, they said the money was first send to XXXX XXXX, then to XXXX XXXX in XXXX. The recipient said he never received the money. So who has the money,, XXXX XXXX or XXXX XXXX? This is a huge some amount of money and I can not afford to loose it. Please help me retrieve the money. 

Thanks for your help.
Consumer complaint received 2023-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter.

To provide some context, I opened an account with your company on [ Date ] and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for.

I wish to outline the multiple attempts I have made to address this issue : I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen.

[ Date ] : After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days.

[ Date ] : Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response.

[ Date ] : I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call.

Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter.

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress.

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to correct this late open account in my credit file XXXX XXXX XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2023-09-04
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)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J J Marshall & Associates, Inc (AZ)

The company JJ Marshall and associates in XXXX Michigan repeatedly contacted my phone while at work to converse about an alleged debt with a bank in the amount of XXXX dollars. She stated there was a debt they needed to collect I then requested verbally multiple times for them to send correspondence so I could verify the debt. The lady that called then asked why. The proceeded to ask me if I don't trust them. She said a letter would be sent after I sent a payment in. 2 payments have gone out and they have not sent any correspondence about the debt. I've called and have not got any answer from them about where this letter is. They have the correct address on file.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon review of my consumer report I've noticed that TransUnion is reporting multiple late payments on an account that has never been paid late. TransUnion has a responsibility as a credit reporting agency to maintain maximum accuracy in dissemination of information. I have never been late on payments for account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Please conduct an investigation and provide proof with account bearing statements showing these payments were late. If sufficient proof can not be provided I demand these payments be updated to paid on time.
Consumer complaint received 2023-05-22
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. (SC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation
Consumer complaint received 2023-11-04
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. (AR)

Ive Sent off my letters off since the year XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a report showing the accuracies. Ive also included certified letters return pieces And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX -account # XXXX because it is not consumer debt Also XXXX deleted it and i sent follow up letters if it got deleted on there the other all the two bureaus are supposed to delete it as well
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, we mailed a check for {$9700.00}, drawn on our Chase Bank account, to NYS Income Tax. On XX/XX/XXXX, the check was posted to our account. On XX/XX/XXXX, we received a call from XXXX  XXXX XXXX ( XXXX ) that an unauthorized endorser, XXXX XXXX XXXX, had deposited the check, through, an ATM, in his XXXX account. The caller asked if they should stop payment on the check. We said they should. They didn't. The same day, we called Chase to initiate a complaint. They said they'd send the forms we'd need to fill out. The forms never arrived. On XX/XX/XXXX, we filed a complaint with our local Chase Bank Officer. We have regularly followed up with Chase on the progress of our complaint but there has been no disposition. Chase maintains that XXXX, as the bank that accepted the check, is responsible for repayment. We have copies of the check front and back. Chase deducted the funds from our account without checking the depositors endorsement or the identity of the depository bank. Given the blatantly erroneous unauthorized endorsement and the fact that JPMorgan is the depository bank for NYS tax payments, we do not accept Chases derogation of responsibility. We have asked them to reverse the payout and restore the funds to our account. Side note : We have had to send a second check to NYS Income Taxes. Because this second check was sent after XX/XX/XXXX, we were charged interest and a late fee.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AZ)

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-24
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. (OH)

I am a living being, I have rights 15 USC 1681. XXXX is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give XXXX written permission to furnish these accounts. Accounts : XXXX XXXX Financial - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing - XXXX
Consumer complaint received 2024-04-03
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. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.