davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Remove Inaccurate Late Payments NOTE : If you notice a payment was listed as late in error please submit proof along with this letter to the bureaus. 

Dear ( Credit Bureau Name ) I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX XXXX XXXX I was never late on ( XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX XXXX ++ XXXX I was never late on ( XXXX OR XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX XXXX XXXX I was never late on ( XXXX OR XXXX OR XXXX OR XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX XXXX ++ XXXX I was never late on ( XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX ++ XXXX I was never late on ( XXXX OR XXXX OR XXXX ) on this account please update the account as Paid/Current. 
XXXX ++ XXXX I was never late on ( XXXX ) on this account please update the account as Paid/Current. 




THESE ACCOUNTS LISTED BELOW ARE INVOLVED IN LITIGATION! 
( XXXX XXXX XXXX ) ( XXXX XXXX ++ XXXX ) ( XXXX XXXX ++ XXXX ) I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

n accordance with Fair Credit Reporting act Convergent these Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$760.00} Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Balance : {$0.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Balance : {$6400.00} Account Number : XXXX Account Name : XXXX XXXX M Account Balance : {$9400.00} Account Number : XXXX Account Name : T-Mobile Account Balance : {$3500.00} Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$1300.00} Account Number : XXXX Account Name : XXXX Account Balance : {$320.00} 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 2024-03-01
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (VA)

I am writing to file a complaint against XXXX, XXXX, and XXXX On XX/XX/XXXX I sent in a Correction to my Credit Report Letter excursing my right per 12 CFR 1006, 15 USC 1692 and sent a request of how I would like it fixed per violations of law 15 U. S. Code 6802-6805. This company is reporting inaccurate information about the consumer ( XXXX XXXX ), reporting unverified information, reporting incomplete/ missing info, etc. The incomplete / missing information on every account number is a violation of the Fair Credit Reporting Act section 609. These debts were charged off meaning it is income for the consumer per 26 U. S. Code 108, Which you can not report income. Transaction history should not be reported per to law 15 us code 1681a ( 2 ) ( i ) -which reads ( 2 ) exclusions ( a ) Credit report should not include ( i ) report contain information solely as to transactions or experiences between the consumer and the person making the report.

These are serious breaches of my Privacy Rights per 16 CFR 313. Additionally, These Debts are not registered to any entity so therefore these debts can not be reported per Privacy act of 1974. All these debts are personal are personal and not commercial, so they dont reserve the right to report to a commercial entity and I demand them to be removed.

The following items that have been attached whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. Per the Privacy Act of 1974 5 USC 552 ( 522 ) FTC Report Identity theft ( you are not supposed to give your SSN to anyone but the government ). These adverse items being reported has nothing to do with any sort of crime or conviction thereof and is not equitable to be reported.

Over the past serval months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MN)

My card has had a XXXX balance since XXXX. Company sent me refund for overpaying towards balance on card in XXXX. Company says they report their account info to credit bureau every month. My credit report still states a XXXX XXXXXXXX balance on the card on multiple credit report agencies as of XX/XX/XXXX.
Consumer complaint received 2023-03-07
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. (NC)

I have reached out to the credit reporting agency and they have refused to remove this iteam. By law this cant stay on my report but for ten years. The last activity was over 10 years ago. I have reached out to the bank and they have stated to me that they have sent removal paper to the credit reporting agencies with audio tapes backing them. The agencies have refused to do any action on this I am at my Witts end need help. In the supporting documentation first is XXXX second XXXX XXXX third is equafax
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (PA)

I have a collection on my credit from MEDICAL DATA SYSTEMS Inc on XX/XX/2023 for {$7000.00} that should not be there. I believe its a hospital bill. Far as my understanding that violates HIPPA laws and working in XXXX I know that their is no one else other than the hospital that should know why I was in the hospital and/or how much I owed without my consent especially considering I did not receive letters & is not a medical facility that gave me treatment!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-22
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. (IN)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

XXXX OF CREDIT PAID IN FULL ON XX/XX/XXXX VIA XXXX WIRE  TRANSFER. 
FOR WHATEVER REASON XXXX  DID NOT POST THE PAYOFF TILL XX/XX/XXXX. 
PROOF OF WIRE IS ATTACHED TO SEE FOR YOURSELF. 
DUE TO THEIR XXXX IN NOT PAYING OFF THE LOAN WHEN THE WIRE FOR THE PAYOFF WAS RECEIVED ON XX/XX/XXXX I WAS NOTIFIED THAT I WAS REPORTED AS XXXX DAYS DELINQUENT FOR THE XX/XX/XXXX. 

THIS HAS CAUSED ME IRRERAPABLE DAMAGE TO MY CREDIT. 
I HAD CREDITORS CLOSE SOME OF MY ACCOUNTS. 
I HAVE IMPECCABLE CREDIT IN MY XXXX YEARS OF CREDIT HISTORY. 

I REALLY NEED HELP ON THIS AS I CANT GET THIS TO BE CORRECTED AND MADE RIGHT. THIS IS VERY UPSETTING TO SAY THE LEAST AND TIME CONSUMING REMOVE THE INCORRECT CREDIT REPORT BUREAN DELINQUENCY REPORTED FOR XX/XX/XXXX : NEED XXXX TO REIMBURSE ME FOR ALL THE DAMAGE DONE BY THEIR XXXX VIA SOME KIND OF SETTLEMENT ON THIS. 

PLASE FURTHER ADVISE WHERE I SHOULD BE SENDING ALL PROOF OF PAYMENT PLEASE ADVISE ON THIS XXXX XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (FL)

I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at XXXX in XXXX the first call in which the woman was very XXXX  and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.
Consumer complaint received 2023-03-06
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. (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 Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : 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 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

XX/XX/XXXX - contacted mortgage company to see why county taxes were not paid since they are escrowed, sent in tax bill XX/XX/XXXX - contacted mortgage company to follow up ; taxes were already a few months late and they had to " research the issue '' so I paid the XXXX taxes out of pocket and requested a refund from escrow ; sent email with receipt were I paid taxes XX/XX/XXXX - some email correspondence but nothing has been done XX/XX/XXXX - still nothing has been done with I sent the correct parcel number over to company, requested escrow analysis and I will have close to a {$3000.00} surplus after XXXX taxes and insurance have been paid ; talked to numerous reps and they run me around in circles.
Consumer complaint received 2024-03-22
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am writing to file a formal complaint against the three major credit bureaus XXXX, XXXXXXXX XXXX XXXXXXXX for violations of consumer protection laws regarding the reporting of charge-off accounts on my credit reports. 

I have encountered multiple instances where collection agencies have placed charge-off accounts on my consumer report without providing validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation, the collection agencies have failed to provide this information, yet the charge-offs have been reported on my credit reports, negatively impacting my creditworthiness.

Furthermore, I have not been given a fair opportunity to dispute these accounts, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The credit bureaus have failed to provide me with the necessary information and procedures to dispute the inaccuracies on my credit reports, depriving me of my rights under federal consumer protection laws. 

Additionally, the collection agencies have engaged in deceptive practices by using false, misleading, and misrepresented information to report these charge-off accounts on my credit reports. This behavior violates my consumer rights and undermines the integrity of the credit reporting system.

It is evident that the collection agencies have furnished accounts to the credit bureaus without providing the required disclosures, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This clear violation of federal law has resulted in inaccurate and damaging information being reported on my credit reports, with no opportunity for recourse or correction. 

Furthermore, I would like to bring to your attention that the charge-off account from Bank of America applied to my credit report is inaccurate information. Bank of America has a history of engaging in illegal and deceptive practices, as evidenced by the lawsuit filed against them in XXXXXXXX XXXX XXXX Bank of America employees illegally applied for and enrolled consumers in credit card accounts without their knowledge or authorization, misusing sensitive customer information in the process. This is not the first time Bank of America has faced enforcement actions for illegal activities in its consumer business, including unlawful garnishments and botched disbursement of state unemployment benefits. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that the credit bureaus comply with federal consumer protection laws. I also request that the inaccuracies and violations on my credit reports be promptly addressed and corrected in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. I demand a resolution for this issue in 15 days or less.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

Today, XX/XX/2023, after receiving a call from American Express this week and a letter last night regarding an application for an AMEX, I called AMEX and told them I had not applied for any card. This was not me. I thought the phone call I received earlier this week was bogus, but when I received a letter from AMEX, I was very concerned that someone was using my identity fraudulently. I spoke to XXXX and another man at AMEX who put FRAUD on the application and escalated the issue to the High Risk team, then I called XXXX to let them know to remove the inquiry from my credit report due to the above. XXXX 's rep told me to file a complaint here, and so I am. Thank you for all your help and for reporting this to the other credit reporting agencies.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I have a Best Buy card through Citi bank. A few months ago, I paid the full balance off and requested to close the account. I thought the account was closed, but suddenly I have a $ XXXX balance from their annual fees and late fees. They sent my account to collections and it is negatively effecting my credit score. 

Ive tried calling them multiple times at ( XXXX ) XXXX, but when I request to talk to a representative, their system hangs up. I am unable to access my account online. 

I need them to close the account as I requested back when the account was at a XXXX balance and take off their false reporting to the credit bureaus. None of these fees would have even be the had they closed the account when I requested them to.
Consumer complaint received 2021-01-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LDF Holdings, LLC (MI)

A man claiming to work for a office of XXXX XXXX and associates called my work and harassed me for a debt I dont recall over 5 years old. Called him back to ask to stop and he continued to threaten calling my works ex owner, bosses and others when I asked for proof and paper work. When confronted on why he was using a masked number he became very aggressive and agitated. He continues to threaten people who have nothing to do with said issue in hopes to make me pay something and go away.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

NOTICE OF XXXX XXXX SEEKING RELIEF AND XXXX XXXX UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

In reference to Claim number XXXXClaim number XXXX claim was closed and was told that I authorized several u authorized transactions on various accounts..I 'm now learning that I was involved In multiple breaches that leacked all of my Information from passwords, accounts as well as my SSN. BREACHES includes XXXX banking as well as XXXX XXXX XXXX XXXX also I've been discovered by XXXX on the dark web for years I'm unaware of
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2017-11-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Please treat this complaint as a NOTICE OF ERROR under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

On XX/XX/XXXX, a non-judicial Foreclosure is scheduled to take place. Your Company served us with a NOTICE OF SALE UNDER POWER in XXXX County Georgia. However, the required notice is invalid and can not be used for foreclosure in the state of Georgia. 

Specifically, the notice has been served upon us, the property owners and published to the world but is inaccurate and incorrect. 

Please be advised that XXXX XXXX and Its foreclosing law firm, XXXX XXXX XXXX. has erroneously PUBLISHED THE PROPERTY LEGAL ADDRESS AS XXXX XXXX  XXXX XXXX XXXX GEORGIA XXXX -- -- HOWEVER, AS OF THE DATE OF THE SERVICE AND PUBLISHING OF THE NOTICE ON XX/XX/XXXX THE CORRECT LEGAL ADDRESS OF OUR PROPERTY WAS AND IS XXXX XXXX XXXX COURT, CITY OF XXXX XXXX, GEORGIA, XXXX. ( See EXHIBIT-4A as proof ) As of XX/XX/XXXX the legal notice has already published for three week under an false and erroneous representation. 

Although SPS Inc., Its Client or Representatives hold no security interest in our property, and is not a secured credit under Georgia law, nonetheless, in order for the company to be in compliance with the Georgia non-judicial foreclosure statute they must cancel the current foreclosure notice. 

Furthermore, we request that you answer the following question? Was loan No. : XXXX, previous number XXXX originated in lawful compliance with all federal and state laws, regulations including, but not limited to RESPA, TILA and FDCPA.