davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Consumer Federal Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Formal Complaint against Portfolio Recovery Dear Consumer Financial Protection Bureau : I am writing to file a formal complaint against Portfolio Recovery for egregious violation of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery placed XXXX collections on my consumer file without issuing the requisite notice and without notifying me of my right to dispute the alleged debts.

I hereby declare my revocation of all communication channels with Portfolio Recovery, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide the purchase order agreements between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased may be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the accounts from my credit report.

The date on my consumer report indicating that I opened accounts with Portfolio Recovery are blatantly false. I neither received any services or products from Portfolio Recovery nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of these collections from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and I appreciate your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-25
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. (CA)

I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.
Consumer complaint received 2023-02-28
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. (TX)

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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to draw your attention to the fact that I have doubts about the correctness of the information that is affecting my consumer rights and appears on my credit record. I feel that I am entitled to be handled fairly by the people in charge of this data. Please provide me all of the information that is available on how the errors happened and how you plan to fix them to guarantee adherence to the Fair Section 611 of the Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681I ) and XXXX XXXX compliance requirements. 

XXXX  - THE XXXX {$880.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$880.00} XXXX XXXX CO XXXX XXXX {$0.00} CALIFORNIA XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX {$570.00} XXXX XXXX - XXXX {$3400.00} XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$3300.00} XXXX XXXX XXXX - XXXX {$3400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXXXXXX {$0.00} 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 XX/XX/XXXX
Consumer complaint received 2023-07-31
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. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX I booked a hotel via the Amex XXXX XXXX ( XXXX XXXX XXXX ) Reservation dates ( XXXX ) I received a reminder email about my upcoming reservation on XX/XX/XXXX Upon arriving to my hotel for check-in on XX/XX/XXXX ( XXXX BCN time ) it was discovered that my reservation did not exist and the hotel was fully booked. Myself as well as the hotel were on call with AMEX XXXX  agents for about XXXX hours trying to resolve the issue. It was discovered that XXXX XXXX the hotel and AMEX had terminated their partnership. Therefore the hotel never received my booking and if they had, they no longer accepted AMEX as a valid payment. The Agent confirmed they would be processing a refund for the hotel booking that didn't exist. At this time I received another confirmation email for the same booking not a refund confirmation ( XX/XX/XXXX ) The AMEX XXXX agent tried to find me alternate accommodations as all of the hotels in the area were fully booked. They were able to find me accommodations at a significantly more expensive hotel that would not be available until XX/XX/XXXX until around XXXX. This is the only hotel that was available and would be able to accommodate XXXX people. I was told to retain my receipts for reimbursement as I would have to pay for this out of pocket. I was also told a case would be opened for this incident. 

We ended the call and went to the second hotel where my parents, siblings, & I had to sleep un the lobby until a room could become available. 

On XX/XX/XXXX I received the refund for the initial booking. 

I called to follow up when I got back and was told the case was closed as I had received a refund for the initial booking. I explained the circumstances and they reopened the case. I called to follow up once more on XX/XX/XXXX. Once again they added more information to the case and was told I would be contacted. I was never contacted. I received an email that night stating a dispute for my initial hotel charge ( XX/XX/XXXX ) had been opened. On XX/XX/XXXX, I received an email saying a credit to my account was already applied which was the refund for my initial booking. I called again and have not been able to get any resolution as they have noted it was a vendor issue. This is an AMEX agency issue not the vendor as the vendor does not work with AMEX.
Consumer complaint received 2021-07-27
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. (FL)

Hello I have inquiries that are not mine and few accounts that appeared just recently. I am victim of identity theft and I feel that my personal information was used or I guess its poor reporting and bureaus just filed unknown items to my personal report. They are killing my score, please figure out why I have them and delete immediately
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

in accordance with the fair credit XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 366 consumer credit plan as late for did purpose. 
XXXX
Consumer complaint received 2024-03-20
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. (FL)

I have no association with the listed creditor and did not authorize this inquiry. This unauthorized inquiry is affecting my credit score and financial standing, and I kindly request that it be promptly removed from my credit report.
Consumer complaint received 2023-02-28
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (FL)

AFNI intentionally tried to lower my credit score. The third-party agency posted a negative mark on my credit report. First, my name on the bill is not correct, this account does not belong to this agency. They purchase debts from other businesses and claim I owe the money to them. They show proof of a telephone bill that can be obtained anywhere and I think by not validating the debt is a violation of the credit report fair act. I attempt to resolve this issue but they are refusing to comply. This agency is violating the act in many levels and I a demanding from they to delete this mark from my credit report.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (FL)

CMG Financial I refinanced my home and CMG purchased the mortgage. They did not update the insurance company and subsequently my insurance was canceled. The company gave my insurance company the run around and it took nearly 3 hours of phone call between the 2 companies to get this resolved.
Consumer complaint received 2023-02-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : 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 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 2023-02-28
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. (FL)

on XX/XX/XXXX I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency Equifax. I filed a CFP complaint previously and consumer credit agency Equifax responded on XX/XX/XXXX. Consumer credit agency Equifax stated that they sent the letter to creditor XXXX XXXX XXXX to verify the accuracy of the information sent. Creditor XXXX XXXX XXXX responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did Equifax blatantly disregard my rights and allow this account by the XXXX XXXX XXXX to be reporting still on my credit report. Pursuant XXXX XXXX code XXXX states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency Equifax failed to inform me of the reinvestigation that the law stated pursuant to XXXX U.S.code XXXX ( XXXX ) ( a ) states when a consumer should receive notification this was a violation of my rights Equifax please stop violating my right I will have no other juice but to take legal action against you Equifax and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
Consumer complaint received 2019-05-02
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. (IL)

I have been sending letter to Equifax requesting the deletion of unauthorized inquiries. I have a fraud alert on my file that requires the merchant to contact me before performing a credit check. Equifax has violated my consumer protection right by allowing these unauthorized inquiries to be performed.
Consumer complaint received 2023-02-28
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. (TX)

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 #  XXXX, Account name : XXXX XXXX XXXX in # XXXX, Account name : 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 2024-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANCO POPULAR DE PUERTO RICO (PR)

In mid XX/XX/XXXX I contacted the bank to pre pay my mortgage payments for XXXX and XX/XX/XXXX. After taking both payments via telephone call the bank representative told me both payments will be reflected on the account in a matter of days and I wont need to worry about making another monthly payment until XX/XX/XXXX. 

In XX/XX/XXXX I receive a call from the banks Mortgage Division stating they had not received payment for the month of XX/XX/XXXX and that I was late. I became very frustrated and explained to the representative that I had made two payments in XXXX so it was not possible that my account did not show the payments. I was the transfered to the online banking division where another representative said they had applied my two XXXX payments to the incorrect mortgage account ut they would correct the issue immediately. I was given claim numbers XXXX and XXXX for the call and told not to worry about making additional payments since the situation would be corrected and both payments would be applied to the correct mortgage account retroactively with the mid XXXX dates. 

On XX/XX/XXXX I received notification from my credit monitoring company indicating the bank has reported my mortgage as a delinquent payment account with a delay of more than 30 days. This has severely affected my credit score and caused severe XXXX  and mental aguish to myself and my family.
Consumer complaint received 2024-02-18
Product: Credit 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: Paypal Holdings, Inc (FL)

Date : XXXX of XXXX, XXXX  around XXXX XXXX  I have contacted the organization that processed the transaction to dispute a transaction as unauthorized and they responded by closing my case telling me that they found they found the transaction " was not authorized '' and have closed the case. The problem is that I had not purchased any product from the organization, especially at the time given. I tried to reset my login information and provided more personal information to no avail. 

I just tried to resubmit an appeal with different information to see if this would get escalated further, but I had submitted a complaint since I do not know how far I would get.
Consumer complaint received 2021-01-10
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. (PA)

I NOTICED THAT THERE IS SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY PROFILE THE FOLLOWING ACCOUNTS ARE FRAUDULENT EQUIFAX : XXXX XXXX XXXX XXXX Account XXXX Date openedOct XXXX, XXXX CXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX CR {$0.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX  XXXX XXXX, has violated my rights. After disputing the late payments with XXXX  XXXX XXXX their investigation concluded that the 3 credit bureaus ( XXXX, XXXX, Equifax ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 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