davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (UT)

I am working to refinance my loan that is currently managed by Specialized Loan Servicing. When the new lender pulled my Credit History, they found that I have a 800+ credit score but also that my current mortgage is showing as in forbearance. I have never spoken to my mortgage company about a hardship situation that would require a need for assistance no less requested forbearance on my account. On XX/XX/XXXX the new leader requested I get a letter from the mortgage company showing this had been added in error and that I had continued to make my payments. 

XX/XX/XXXX XXXX  Spoke with agent and she informed me that due to the earthquake in my area, all accounts had been tagged with this information she agreed to send me a letter stating that I had not requested forbearance nor had I missed any payments. Additionally she would submit the necessary paperwork to remove the XXXX reporting XX/XX/XXXX XXXX XXXX Received email stating that at my request the forbearance related to Covid 19 had been removed from my account at my request. This is not what I requested nor was it factual. 

XX/XX/XXXX XXXX XXXX Spoke with Agent. She stated that she could restart the process & it would take 24-48 hours to get another letter. At that point I asked for a call back from a manager. I will be honest, I was very impatient with your agent as she was disrespectful, wanted to talk over me and refused to listen. In addition to sending me the requested letter she also agreed to send documents showing that I had not skipped any payments. NONE of these three things happened. 

XX/XX/XXXX Called back informed the agent that the letter was not what was agreed upon. She was very rude and said that she could request another letter but it would take 24 to 48 hours. I explained that I couldn't afford to wait that long to have their error corrected she basically said to bad. She refused to escalate the call and said that she would have a manger call back but it would also be 24-48 hours before that happened. I never received a the second letter nor did I get a call back from a manager. 

XX/XX/XXXX I called back & held for 30 mins. When the agent didn't know how to handle it, she cold transfered me to a line where I held for 30 mins a before I disconnected. This happened 3 times on Thursday. 

XX/XX/XXXX Call back again. Held for 30 mins and was cold transfered, held for XXXX hours before your lines closed. 

Their website has no alternate contact information besides the general servicing line which is clearly not resolving the problem. I submitted an complaint to the CEO through XXXX XXXX XXXX but don't expect that to be a reliable method of resolving the problem. 

Please let me know what assistance you can offer. I have spent no less than 10 hours on the phone over the last week with no end in sight.
Consumer complaint received 2023-05-30
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 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 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 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

Approximately 2 months ago I've applied for an American Express card. 
My application wasn't instantly approved and Amex request me to complete a 4506C so they would receive my last tax returns transcripts from the IRS to verify my income. 

I've submitted the 4506-C form and in approximately 2 weeks amex was able to verify my income and received a email from amex stating that my application had been approved and if i've accepted it amex would report a hard inquiry on my credit report.

I've accepted the offer and the account was opened.

2 weeks after my account had been opened I received an email from Amex stating that my mobile number needed to be verified.

I called Amex and the representative start asking me questions about my work. I was under the impression that Amex needed to verify my identity and when the rep asked me the companies that I've worked for I mentioned the 2 companies that were been reported on my credit report.

I've never stated Amex that I was employed since I've been self employed for the past 11 years.

The representative informed me that she was from amex financial review department and she I would need to submit some documents so amex could complete the financial review.

The representative requested my last 2 bank statements, which I've provided immediately and she also requested my last 2 recently paystubs.

I explained the representative that I did not have paystubs since I've been self employed for the past 11 years and that was the information I've provided on my application and Amex was able to verify the accuracy of this information thru my tax returns transcripts, which stated the exactly same income I've provided during the application.

Even having the knowledge that I'm self employed, the representative said that unless I've provided Amex with my 2 last paystubs, my accounts would end up been canceled.

I've tried to speak with a supervisor but he reaffirmed that unless I provided Amex with paystubs, my accounts would be canceled.

It seems that Amex just wanted a reason to canceled my account 's since I've never claimed to be an employee and they keep insisting on documents that I can not provide even after they verified my income thru the transcripts they've received from the IRS during the application process.

It's absolutely unfair for Amex to close my accounts since my credit worthiness haven't changed, I've never had a return payment, I've never provided any inaccuracy information and I was able to prove my income thru my bank statements and tax return transcripts.

Although im a us citizen, I still have an accent and I feel that just wanted a random reason to cancel my accounts and they are not complying with the FCRA.
Consumer complaint received 2023-05-30
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/year> To Whom It May Concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from credit reports effectively immediately. I attach proof the Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (IL)

On XX/XX/2023 I sent a dispute letter to Equifax Information services as a formal written complaint for reporting inaccurate and incomplete credit information. 

the fair credit act states that I should have a resolution within 30 days of filing a formal complaint. 

It has been over 30 days and Equifax has not been able to verify information, or provide me with any feedback about the formal complaint. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Reached agreement with company to remove late payment history XXXX  XXXX XXXX  Account XXXX : XXXX Please remove late payment history
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (CA)

XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-01-22
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. (PA)

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 2023-05-30
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
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: EQUIFAX, INC. (MO)

This is my NUMEROUS 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 Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-01-24
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. (MI)

This complaint is in regards to XXXX XXXX XXXX account # XXXX  opened XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit report
Consumer complaint received 2023-05-18
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)

I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. 
The account from XXXX XXXX XXXX  XXXX is resulting from Identity Theft should be blocked from my credit report. The account number to this account is XXXX Please block this information from my credit reports, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 




Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from fraud within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2023-05-30
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Report Act laws.

According to 15 USC 1681 ( b ) 1 the credit bureaus did not get my written permission to furnish anything on my credit report According to the law 15 USC 1681! I have the right to privacy According to the FRCA laws 15 USC 1681s-2 states that A person may not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person of such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on Its clear that the credit bureaus have no respect for the laws neither for the CFPB. 

The account XXXX XXXX  XXXX has been recently removed and furnished back to my consumer report as VERIFIED and UPDATED after reinvestigation. The below documents reflect on an improper reinvestigation as the account still reports inaccurately. PLEASE REMOVE ACCOUNT FOR INACCURACY according to the FCRA everything must be accurate on a consumers report. 

As this matter continues to hurt my current situation from providing my family with a home and lifestyle they deserve, someone needs to hold the bureaus accountable for their unethical actions.
Consumer complaint received 2023-05-30
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. (MD)

When I reinvestigated my credit report, I realized that some of the information was erroneous. TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

I am very confused. I owe a credit card company money. I know the sold my debt but they couldnt tell me to who. I get a letter that is water logged and not readable. When I called the number of XXXX from online. Not one representative gave me an ID number. 
They kept pressuring me to make biweekly payments saying my offer ends tomorrow, XX/XX/23. Then decided to give me an extension. Something does not feel right. 
Is this a legitimate company? The number I called is ( XXXX ) XXXX the email address they sent to me is XXXX. 
Im very confused by the whole situation. Especially no one could give a NMLS ID.

Also, told me they only take ACH payments via credit or debit but only master or visa.

I just want to triple check their legitimacy. The other companys both collectors and creditors always give an ID and none have approached the situation like this. I am extremely weary and intimidated by their tactics. 
Thank you for your time and can not wait to hear your thoughts about this company and the way they handle collections. 
XXXX XXXX