davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (PR)

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 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 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Although I am still receiving demands for payment ( s ) from XXXX XXXX { Most recent for XX/XX/XXXX in the amount of {$620.00} attached } for my FL residence purchased from the XXXX XXXX XXXX XXXXXXXX [ a/k/a XXXX XXXX ] through XXXX XXXX XXXX { out of foreclosure }, yesterday, XX/XX/XXXX, I received verbal confirmation from another bank XXXX XXXX [ a/k/a XXXX XXXX ] of the joint accommodation to cash payments made therefore, related to that unilateral modification [ by XXXX XXXX of XXXX in XXXX IL reduced to writing by the XXXX for the OCC ] and thefts of escrow ( {$330.00} ) by XXXX on or about XX/XX/XXXX pursuant to a request of the FL Attorney General, which implied the existence of said mortgage being sent to XXXX XXXX for XXXX XXXX and there is absolutely no accounting of or for same anywhere. Therefore that debt if it does actually exist it does not appear on my Credit Report. All mortgage debt ( s ) ( 4 ) appear closed. If it is closed, then why am I receiving demands for payments from XXXX XXXX endorsed for compensation by XXXX XXXX while no entity is reporting either billing for or receiving payments, therefore? This must be reported on my Credit Report ( s ) and it is not.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PR)

I pay off Mortgage ( {$23000.00} ) to Mr Cooper /Nationstar Morgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX. I send certified mail requesting Release of Lien ( Satisfaction of Mortgage ) .Never received answer.Various written, E Mails, Certified mail communication, no answer from MrCooper/Nationstar Mortgage XXXX
Consumer complaint received 2022-10-23
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. (NV)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, hurts me applying for credit and applying for jobs. I've reached out to have these issues resolved and haven't gotten a response. I would like to get this issue resolved as soon as possible.
Consumer complaint received 2023-02-24
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. (PR)

I made a credit report by tranunion my name is XXXX XXXX XXXX, there another name that its not me. The name that appears is XXXX XXXX. my social security number is not the one that appears in the name of the person that have the credit cards in my report. Theres a lot of payment and creditcard order in texas. Im from XXXX XXXX i never live or travel to Texas.
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

This company is falsely reporting an old debt or someone else 's debt to my account as of date XX/XX/2022. 

I looked at the supposed original credit of XXXX XXXX XXXX XXXX and that is in XXXX FL. I have not lived or have even been in that area in a decade. 

I have disputed this with all credit bureaus and this company is falsely reporting that the information is accurate when its clearly not.
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (TX)

Atlantic Recovery has contacted me on my cell phone, which I did not give approval or consent for them to reach me on my cell phone. I've told them the individual they are calling for is not tied my phone and to stop calling me and they continue to call from various call numbers back to back. 

Most recently ARS sent me a text message again asking me to contact them to resolve a debt that I don't own and is not even in name. 

Received Call on XX/XX/XXXX @ XXXX XXXX  from XXXX Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Text on XX/XX/XXXX @ XXXX XXXX  asking me to call XXXX
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1600.00} XXXX XXXXXXXX XX/XX/XXXX {$27.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$570.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (PR)

Since XXXX, XXXX XXXX XXXX to collect {$420.00} from a service they never provided me alleging they bought XXXX XXXX XXXX XXXX XXXX XXXX whom I ended the 3 year term contract for failing to repair damaged equipment, as security cameras, door and window sensors. Notification was mailed 1 1/2 month prior to the end of the 3 year contract term to avoid another year auto extension. XXXX collections companies had tried to collect and had been removed from my credit report but they still affecting my credit by submitting the same collection under different collection company. Now XXXX has dropped XXXX point ( from XXXX to XXXX ) of my XXXX XXXX due to this nonsense action. XXXX, XXXX and XXXX already received this collection in XXXX under XXXX XXXX XXXX. In XXXX XXXX received it under XXXX XXXX. Every time the credit agencies remove the collection another collection company report this fraud to the agencies and affect my credit.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

The complaint is regarding my bank, PNC, refusing to give me access to my transactions in digital format older than 3 months. Despite contacting them several times over the past 9 days, they have refused to take any action to resolve the issue. They have only offered me paper statements, which are not suitable for doing taxes. As a result, I am unable to obtain the required transactional information needed to file my taxes, and would like to inform the IRS about the bank 's refusal to provide the necessary information.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A & J COLLECTION (PR)

Yesterday, Wednesday XXXX XXXX XXXX, I received 2 letters by regular mail, both dated XXXX XXXX XXXX, from XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and from A & J Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX no matter A & J Collection Agency Inc. address is written in the letter, as located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Both letter are bout the same problem I already filed complaints here to XXXX XXXX and XXXX. XXXX XXXX XXXX does not recognize my Internet and residential phone service was without contract and pre paid : I was not under any contract forcing me to stay for any specific length of time with their service of Internet and phone, precisely because it was without contract. As previously informed, I had no problem with XXXX until XXXX decided to change without any kind of notification, to change the original terms of the no contract pre paid agreement I had, which only required to pay the next month before using the service, there was no way to accumulate months of debt, because every month was paid in advance. When I stopped paying, was not that I owed any amount, it was simply I was not going to pay the next month, the no contract terms does not obligate me or anyone, to stay for any additional month, and there was no cancellation requirement properly notified to myself by XXXX at the time of this agreement back in XX/XX/XXXX. I was never notified of any change to the original agreement, so I was never aware of any change of their terms. The problem started when I stopped paying, meaning they changed the agreement as an unlawful way to try to force me to keep their service by paying next months, presenting a false debt now of {$180.00}, which is bigger lie than the previously false debt reported, which is only accumulated when someone has a contract requiring to stay additional months, if not only under contract applies a penalty, BUT THAT IS NOT THE CASE HERE THIS WAS A WITHOUT CONTRACT PRE PAID SERVICE : IS IMPOSSIBLE TO PENALIZE ANYONE FOR STOPPING TO PAY NEXT MONTH WHICH WAS NEVER USED. Previously submitted documents and new original letters received in XXXX are included.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report, which I received from your agency. I am aware that as per the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that the information on my credit report is accurate, complete, and up to date. 

After reviewing my credit report, I have identified the following errors : There is an account under the name of XXXX XXXX XXXX with the account number XXXX. I would like to bring to your attention that this account has been verified by your agency, while other bureaus could not do so and have removed it. According to the FCRA, you are required to investigate and remove any inaccurate information from my credit report immediately. 

There are several instances of personal information that are incorrect. The following addresses do not belong to me and should be removed from my report immediately, as per the FCRA : XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) There are two names on my credit report that do not belong to me. The following names should be removed from my report immediately as per the FCRA : XXXX XXXX XXXX XXXX XXXX I request you to take prompt action on the above-mentioned errors and remove them from my credit report, as per the FCRA guidelines XXXX I also request you to send me a written confirmation of the removal of inaccurate information from my credit report. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account 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
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (WV)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PR)

On XX/XX/2022, I received suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. 

As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. 

They keep charging me and making threats to report the credit companies. 

Every time I try to contact the company no one seems to know about the issue. 

The company has removed the option from the online banking app to file a challenge to the charges.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (PR)

Zions Debt Holding open on XXXX XXXX, XXXX a collection in my credit report of XXXX of {$610.00}. 

I WAS A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

This is not the first time that I complain about this, because the first time was XXXX XXXX XXXX that open a collection, XXXX XXXX, XXXX, of {$610.00} in my credit report of XXXX. After the dispute, later was remove from my credit report. In my credit report of XXXX there is a statement of fraud victim.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items that are currently on my credit report. After reviewing my report, I have identified several negative items that are inaccurate and should be removed immediately. The following is a list of these items : XXXX XXXXXXXX XXXX  Account Number : XXXX I am confused as to why this account shows a payment history when it was charged off. Please delete this account from my credit report as soon as possible. 

XXXX XXXX XXXXXXXX Account Number XXXX XXXX  This account also shows a payment history when it was charged off. Please remove this account from my credit report immediately. 

U S DEPT OF EDXXXX Account Number : XXXX I have never had any business relationship with this company, so there is no way this account belongs to me. Please delete this account from my credit report right away. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX This address is not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is also not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX This is not my name. Please remove it from my credit report immediately. 

I appreciate your prompt attention to this matter. Please let me know when these items have been removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc. (PR)

The Thomas Agency claims I owe a debt already paid to XXXX XXXX. I sent them a cease and desist and debt validation letter. They could not produce any documentation that I still owed the debt. They sent me a letter on XX/XX/ 2023 stating that I still haven't paid the debt and that they have reported it to the credit bureaus. 

XXXX. The debt has been paid directly to XXXX XXXX. The Thomas Agency has no right to try and continue to collect this debt. 

XXXX. They lied about placing the debt on my credit bureaus. I checked and this is not the case. 

This is against the FDCPA laws, and the company should be punished for violating them.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc. (IL)

This loan is paid in full, I paid the last of the interest of XXXX in XXXX XXXX, which was the amount listed on their web site. I called the loan company for the title and they are giving me no answers on the why they have not released the title. They keep telling me to call back. The loan was under the chapter XXXX in XXXX with a XXXX balance, which was paid in full through the bankruptcy court. ( see attached proof ) Consumer Porfolio servicing has submitted a new claim to my refiled bankruptcy for XXXX when they were paid in full. 
I have asked for a payment ledger, and they have refused. This car is a XXXX XXXX that has been totally paid in full. 
Please have this company provide the payment and balance financial ledger, also investigate this company for fraudulent billing.
Consumer complaint received 2023-03-14
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX