davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (AZ)

I received a letter in the mail XX/XX/2019 from PHH Mortgage Services stating they have been bought out by XXXX XXXX XXXX XXXX and that I can update my privacy preferences by calling XXXX. When I called the number it did not allow me to update my preferences and I could not speak to a person. Next, I called PHH customer service and asked for someone to update my privacy elections. I was given the number XXXX which is a fax number. PHH customer service rep told me he can not update my privacy elections on my behalf even though I gave him sufficient verification that I am the correct person. There is a form on the letter that I can mail in ; however, if both phone numbers given to me by PHH dont work why should I expect that they will process a mailed in form correctly?
Consumer complaint received 2020-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

I already submitted similar complement before. However problem was not resolved comptly I want free to be reimbursed for all periods not just one month because it is not due to banking error but misrepresentation. 
I also can resolve all your Bank problems if you make CEO of your company or I will make your bank public institution
Consumer complaint received 2022-12-18
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: Bread Financial Holdings, Inc. (TX)

XX/XX/2022 COMENITY BANK - ORIGINAL CREDITOR BALANCE AMOUNT : XXXX Says that the account information has been disputed by consumer, meets FCRA requirements but still shows up as an open account on credit report.
Consumer complaint received 2020-02-15
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. (VA)

TransUnion Consumer Solution will not delete previous old addresses off their Credit Reporting. I have notified request removal in two ( 2 ) letters ; one ( 1 ) Certified letter with Notarized documents with current mailing address. All other addresses that are not deliverable to me by the US Post Office are not reportable per the FCRA and are inaccurate information.
Consumer complaint received 2019-07-03
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. (FL)

I Want to fix this solution of me being a victim of identify theft. I cant understand the system in Florida in how the government is allowing these thieves to steal people identity and all its doing is destroying are lives. I want a stop to this. I refuse to be a victim of indemnity theft
Consumer complaint received 2022-06-01
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-06-01
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I paid my XXXX XXXX  credit card balance down to {$0.00} before my due date. I have my XXXX statement proving I paid everything to {$0.00}. 
But XXXX incorrectly reported I still had {$1000.00} balance to the credit bureaus & now my credit score has dropped tremendously. 

Thank you for your time.
Consumer complaint received 2019-11-25
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. (AL)

There are several inaccurate items that is reporting on my credit file : Child Support is inaccurately reporting on my XXXX. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my Transunion. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my Transunion. 

Incorrect Addresses : XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-12-18
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

The letter on pages 5 and 6 of the attached documents highlight a series of billing errors and federal law violations that took place as explained to and summarized by XXXX XXXX collection agent. XXXX XXXX had been denying me access to paper and electronic statements since XX/XX/XXXX. On page 5 the " Validation of Account Information '' table clearly states the account was allegedly palced for collection beginning XXXX XX/XX/XXXX, but was returned to XXXX XXXX on or around XXXX XX/XX/XXXX with effective date XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, page 3 of the enclosed documents, XXXX XXXX alleges the account was charged-off on or around XXXX XX/XX/XXXX. However, it was still with XXXX XXXX ' collection agent as of that date ( per page 6 ). Now, Since XX/XX/XXXX I have observed three ( 3 ) periods during which XXXX did not bill yet reported delinquency status to the consumer reporting agencies, advancing the delinquency by thirty ( 30 ) days coincident with the end of billing cycles : XX/XX/XXXX thru XX/XX/XXXX, XX/XX/XXXX thru XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX claims the inaccuracy of the reporting has been due to my billing error disputes, for which the first billing error issues were raised in XX/XX/XXXX with XXXX XXXX and their collections agent, and with their new collections agent on or around XXXX XX/XX/XXXX ( see p. 7 -9 ). XXXX XXXX has never been able to reconcile my account, yet they have continued to supply false/misleading/inaccurate/unverifiable information to the CRAs that has been disputed every few months and then has to allegedly be " reconciled ''. Pages 9 through 18 provide an example of one such set of reconciliation which caused the month of XX/XX/XXXX to flip between paid as agreed and 120 days past-due, with an annotation for the prior period only alleged to be thirty ( 30 ) days past-due. I have received zero ( 0 ) statements from XXXX XXXX since XX/XX/XXXX. At resent XXXX XXXX is claiming there is an alleged ninety-seven ( XXXX ) dollar amount past-due for the month of XX/XX/XXXX. Yet XXXX XXXX made clear to me on XXXX XX/XX/XXXX that " Because of the age of your debt, we can not report it to a consumer reportin agency. Paymen or non-payment of this debt will not affect your credit score '' ( see p. 2 ). It is clear that XXXX XXXX is unable to reconcile my accounts. The fact that XXXX XXXX acknowledged reconciliation needed to take place on multiple occasions is a clear indication that they have been unsuccessful, and incapable, of reconciling my account information to report accurate information to the CRAs. After over a year of attempts to reconcile my account, XXXX XXXX knows, or should know, the information they are supplying to the CRAs is inaccurate/unverifiable/misleading. As such, I am asking the account/tradeline to be completely removed from my credit files.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

On   XXXX   XXXX  ,2017 I called the customer line of   XXXX   XXXX   to pay-off my balance ( {$160.00} ) and close the account. The payment went through and I then proceeded to close out my account that had a {$0.00} balance.
I later received a bill with a late fee and charges after the balance was {$0.00}.
I called   XXXX   XXXX   and they said I had accumulated a late fee 2 days prior to me calling in. At no time did the representative tell me there may be additional charges on a {$0.00} balance.
My appeal is based on inaccurate information given over the phone by the   XXXX   XXXX   representative. If I ca n't call in to get accurate information on my account then who do you call? If you listen to the taped conversation you will hear there is no reference to addtional charges in the future ...
Thank you for your help ... .  .
Consumer complaint received 2020-10-05
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. (AL)

Dear Sir or Madam : 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. 

Fraudulent Account : XXXX XXXX/XXXX XXXX XXXX Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my Identity Theft Police 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 identity theft 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.
Consumer complaint received 2022-12-18
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. (IL)

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 Accounts 1. XXXX XXXX XXXX XXXX BALANCE SHOWN : {$7300.00} 2. XXXX XXXX XXXX BALANCE SHOWN : {$11000.00} 3. XXXX XXXX XXXX BALANCE SHOWN : {$4000.00} 4. XXXX XXXX XXXX BALANCE SHOWN : {$3000.00} 5. XXXX XXXX XXXX BALANCE SHOWN : {$3500.00} 6. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$2200.00} 7. XXXX XXXX. XXXX  XXXX BALANCE SHOWN : {$10000.00} 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.

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 2019-11-25
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DPT EDXXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX. I put down a limit of XXXX dollars, for 15 months I paid my secured card on time and accordingly. Unfortunately due to a string of tragic events which left me unable to keep up with my bills I fell behind on payments. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being deemed Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX to EXPERIAN, I am requesting your agency do an independent investigation for ALL accounts listed above with XXXX XXXX XXXX  and XXXX XXXX XXXX. PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. XXXX, XXXX, AND EXPERIAN ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. OBVIOUSLY WE HAVE A HUGE PROBLEM HERE. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making NONE OF THE ABOVE COMPANIES the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIES-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE WHAT IS YOUR JURISDICTION OF THE CLAIMS YOU REPORT-PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE FCRA LAW. 

THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i CEASE ALL CONSUMER REPORTING WHILE INVESTIGATION IS IN PROCESS PERMANENTLY DELETE IF UNVERIFIABLE, UNABLE TO SEND ALL REQUESTED DOCUMENTS. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Fl.
Consumer complaint received 2022-01-28
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: LEXISNEXIS (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-01-28
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. (AR)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : 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 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.