davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (LA)

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 : SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in formation 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.

They dont even have the complete account numbers listed but placed accounts on my experian, transunion , and equifax report hurting my credit and listing debts and i reported the identity theft but they never removed the debts.
Consumer complaint received 2022-05-20
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. (GA)

I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOW XXXX  XX/XX/2021 I DO NOT RECOGNIZE THESE INQUIRES AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it may concern on the XXXX of XX/XX/2023 at XXXX est time I the account holder of XXXX XXXX XXXX XXXX at the bank of America sent a XXXX payment in the amount of {$3100.00} after XXXX hours bank of America claims via email I was refunded then they claimed that my money never left my account even though it did based on my accountant and my bookkeeper not to mention they sent an email saying it will be refunded they can't get the story straight I asked multiple times for them to investigate my claims nothing would appear these funds have vanished with no explanation this whole situation seems very odd I am merely asking why the story keeps change i strongly believe the bank of America has lost my money and just is blaming me at this point the whole thing seems beyond shady
Consumer complaint received 2023-02-13
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. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Checking accounts and credit cards that are paid off or closed but show that theyre delinquent on my credit history. Also, accounts opened in my name that arent mine and addresses that arent mine.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AL)

I have asked XXXX, XXXX, and XXXX to send me validation.. I have called and sent letters numerous of time.. I have also sent in my driver license, social security card, and an light bill.. I have not gotten any resolution
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XXXX/XXXXXXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-26
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. (CO)

I have disputed the account balance and that I have been late multiple times with both XXXX XXXX and Experian. XXXX has most recently updated my credit report as of today XX/XX/XXXX to say I am behind XXXX dollars in my mortgage despite this being paid on time ( I paid XXXX 's mortgage on XX/XX/XXXX ). As of today, XXXX is claiming I am behind XXXX dollars and have marked this on my credit report. Prior to my last dispute they had marked that I was late for 2 years consistently! I have ben late in the past a couple of times past 30 days, but nowhere near this amount. I have been current on my mortgage if not paid extra payments for at least the last 6 months. This has ruined my credit ; I am not behind. I have contacted XXXX, and they keep saying they will call me back. The call center agent says they can not see where I owe any money and says I am on time. My statements also reflect that I am current on my payments.
Consumer complaint received 2023-10-24
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023, XXXX XXXX notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became XXXX XXXX as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both XXXX XXXX and XXXX XXXX have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (AR)

Hello, Ive mailed letters to XXXX, Equifax, & XXXX in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (MI)

I have mailed letters to The Department Of Education Default Resolutions Center as well as Aidvantage demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX accounts disbursed in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (OH)

I was receiving harassing phone calls from the Lexington Law Firm. They were calling 3 or more times a day after I had suspended my account because they were not doing what they said they would do. The calls stopped for a while when I complained, but have now started back up again.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

Barclays is a disaster. I applied for the XXXX Business Card. My credit was approved. I was personally verified. Then it went to business review for final approval. This department is a disaster and I believe that they are putting personal information at risk through a complete lack of care and mismanagement. First, they told me 5 - 7 business days for processing time. Then I was told there were too many applications and it would take longer. I followed up today and a gentleman took more information from me - supposedly to expedite the processing of my application - and told me it would be completed shortly as the application was already open. Then I called back to get clarification if I'd receive a letter or a call for additional information. The man told me it would be ANOTHER 5-7 BUSINESS DAYS EVEN THOUGH I HAD ALREADY WAITED THE PROLONGED WAIT TIME AND WAS TOLD EARLIER IN THE DAY IT SHOULD BE DONE SOON. He refused to let me speak to a manager to understand why my information was being mismanaged and the first man could access my application but the second couldn't. He also couldn't tell me what happened to the information I provided the first man. I'm scared that this is little more than an identity theft right within Barclays taking people 's personal information bit by bit instead of properly processing applications. They say they are processed in the order they come in. Then why was mine started and not completed today - presumably with others being worked on between? Barclays needs to 1 ) process applications in a timely manner which they absolutely do not 2 ) provide accurate updates on applications 3 ) install safeguards for information because it seems to disappear into space. Their practices are terrifying.
Consumer complaint received 2023-10-25
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)

According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

Account Name : XXXX XXXX, formerly known as SIMPLE Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy.

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-03-05
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. (FL)

My Name is XXXX XXXX XXXX, I work for the XXXX XXXX XXXX XXXX XXXX. I have been XXXX to XXXX, XXXX, XXXX, XXXX, and XXXX XXXX since 2019. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXXXXXX XXXX has violated my rights. I have never been late with this company.

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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc. (MO)

This is my second complaint on KANSAS COUNSELORS INC. with CFPB Case ( XXXX-XXXX ) I stated that this was not my debt and it was reporting inaccurate on my report. Kansas Counselors Inc. reported that I owe a balance of {$810.00} on this account I made contact with the reporting credit bureaus as well as the collection agency KCI ( documents are in previous case above ) as a stall tactic in order to report/collect a debt Kansas Counselors Inc. reported that I made a payment of {$120.00} which brings me to a remaining balance of {$690.00} reporting on my report after I filed a complaint with CFPB stating that this was incorrect information. I followed all the steps in contacting the collection agency as well as the credit bureaus in order to correct invalid/false information as I stated in the last compliant. 
In attempt to get this matter taken care I made contact by mail ( XXXX ) and received a bill that has a list of items on it that with prices next it at the top is say balance due {$0.00} above that it has me owing XXXX none of it add up or makes sense. I ask that you investigate this matter as well as get information from my insurance provider. 
Kansas Counselors is violation of several acts they are reporting information that you know to be inaccurate. Failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Consumer complaint received 2024-03-12
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. (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 XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2019-07-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

OFFICE OF XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX XX/XX/XXXX Certify Mail : XXXX XXXX XXXX XXXX XXXX To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc # XXXX XXXX XXXX  Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX XXXX REQUEST RELEASE ACCOUNT STATEMENT ( RESPA ) This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : 1. I has been requesting a complete copy of the Financial Statement and history payment of account # XXXX from XXXX to present. 
2. Separte statement of legal fees paid from XXXX to Present. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-05
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. (CA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (UT)

When I pulled my credit report in XX/XX/2022, I noted that Comenity Bank had pulled a copy of my report. I sent them a letter requesting information about why they had pulled the report. I am a past victim of identity theft and found this to be the earliest warning sign that someone was using my financial information improperly. I wrote to the bank and it responded by saying that they had searched their records and found no business relationship with me and therefore would not have done so. I wrote back providing the bank with my social security number as well as the date that the report was pulled. They once again advised me that we had no business together and advised me to dispute this with the credit bureau. 
I am suspicious that they pulled my report for someone's fraudulent purpose. I want to know why the report was pulled and under which name. In the past my social security number was used with another name to fraudulently get credit. I am suspicious of that in this case. The first time that my credit was stolen I noted a similar action when my information was used to open an account with utility company. 
I am providing a copy of my credit report. Please refer to he section reporting soft enquiries as well as Comenity Bank 's responses.