davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

On XX/XX/XXXX I contacted procollect to figire out how much I owed they said I owed {$290.00} bit would settle for {$200.00} if I paid within 24 hours which I agreed and drove to thier business location and made my payment I was told that on the XX/XX/XXXX they would report I had paid in full which they failed to do they they reported I only paid {$200.00} and owed {$95.00} I called them Friday XX/XX/XXXX and immediately asked me to make a payment of {$95.00} which they claim I owed I explained to Mr XXXX what had happend she asked for my email to send me some paperwork stating I don't owe anything which I never received I have proof and receipts to show we settled and that it would be removed from my credit I'm in total shock and disbelief that a business can do this to people who are trying to take care of there owed payments and credit for a company like this to XXXX up my credit just because.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX keeps reporting my account as settled but has not started reporting with a balance and past due amount on the report. This account was settled and with an agreement to forgive the difference of the balance remaining. I keep getting reported as deliquent on an account that should no longer appear on my credit report at all. Once the settlement was signed, I refinanced with a different company to continue paying off the vehicle. XXXX XXXX XXXX called me multiple times per day even when I was at work stating that they needed to collect the money for my payments on my truck to the point of harrassment.
Consumer complaint received 2019-12-02
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: TD BANK US HOLDING COMPANY (NJ)

Vehicle was purchased on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New Jersey XXXX {$15000.00} was financed by TD Auto Finance LLC XXXX XXXX XXXX XXXX, CA XXXX ( according to final paper work ) Final Payment of {$4300.00} was paid on XX/XX/XXXX at TD Bank XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Based on e-mail received today from XXXX, they are refusing to release title. 

A complaint was filed with the New Jersey Office of Attorney General, Division of Consumer Affairs, XXXX NJ office with reference number : XXXX
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

Dear XXXX I am responding about a debt you are trying to collect in the amount of {$150.00} that appeared on my credit report which has grossly lowered my credit score. This debt is parking or re-aging, I have made a complaint about this debt already with ID # XXXX and debt was paid on XX/XX/2018 to the original creditor XXXX XXXX in the amount of {$150.00}. please removed this debt from my credit report immediately.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC (IN)

On XX/XX/2019After multiple phone calls from a collection agency regarding a cell phone bill from XXXX XXXX XXXX I finally was able to ask them to stop calling me and my daughter 's phone and to cease and desist all communications because my boyfriend did not know that I had the phone. On XX/XX/XXXX they called again creating conflict in my home. I called the collection agency to file a complaint but they deny ever calling me a second time I still use service with XXXX XXXX XXXX as far as internet and Wi-Fi so I called and complained to them Nothing has been done to rectify this matter
Consumer complaint received 2019-01-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (IL)

in XX/XX/XXXX I did a short sale to the bank as my house went into foreclosure. it was approved. in XX/XX/XXXX I received tax form XXXXAcquisition of Abandonment of Secured Property. balance of principal outstanding XXXX fair market value of property XXXX. this was done by Owen XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX . 

in XX/XX/XXXX I received XXXX Cancellation of Debt. date XX/XX/XXXX. amount of debt discharged XXXX. done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX. 

now I owe XXXX dollars in taxes to the IRS. where did this amount come from. someone else was living at the address one month after I moved out the original mortgage was done by XXXX XXXX   back in XX/XX/XXXX who was part of the mortgage crisis, it was a high interest loan which I tried to remodify 3x and was turned down
Consumer complaint received 2019-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

The online portal is demanding inappropriately early payment on my student loan. 

According to a status letter from the company dated XX/XX/XXXX, my next loan payment is not due until some time in XXXX. However, the online portal for my account continues to show my next loan payment as being due on XX/XX/XXXX. 

I have asked the company on multiple occasions to have their online portal accurately reflect my loan payment dates. It has not happened.
Consumer complaint received 2019-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America used my checking and savings, processed illegal wire transfer from my accounts to accounts that I dont know. They used abusive languages and created fake accounts stating that I have been borrowing money from the bank, the banker who did that is XXXX XXXX in cooperation with his manager, from XXXX XXXX branch. They closed my cash management debit card that had XXXX XXXX dollars without wiring the funds to another account or creating a new one. I asked their subsidiary XXXX XXXX to send me a cash management debit card, but they did not reply. They keep on sending me supposed cash rewards credit cards with a credit limit of XXXX XXXX and an automated robot that blocks my activities.
Consumer complaint received 2023-02-26
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. (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. 


Account - XXXX XXXXXXXX Account - XXXX  XXXX XXXX Account - XXXX  XXXX XXXX Account - XXXX XXXXXXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX  XXXX Account - XXXX XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights : Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX, XXXX, XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/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
Consumer complaint received 2019-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This was a business account my company had that is now closed. The debt was with XXXX XXXX not collection company. Debt was charged off by XXXX XXXX and taken off company credit report then this collection company decided to make the debt a personal debt payable to them. I nor the closed company ever signed any agreement with the collection company. Moreover, their representatives have made it clear they have no intentions on removing the illegal debt and they will kept placing it on my personal credit report despite that it may be illegal and my objections. They opened a closed account and are making it new and open, which goes against the Fair Credit Act.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove late closed and charged-off accounts from my credit report. Despite numerous requests and efforts on my part, these derogatory marks remain, significantly impacting my creditworthiness and financial standing. 

To provide context and a timeline of events : In my initial communication, I provided detailed information and documentation to support my claim that these accounts were inaccurately reported and should be removed from my credit report. 

Despite assurances of resolution, no action has been taken to rectify this issue. 

Frustrated by the lack of progress, I made subsequent attempts to have these derogatory marks removed from my credit report. However, each attempt has been met with delays and unsuccessful outcomes. 

The presence of these inaccurately reported late closed and charged-off accounts is significantly impacting my creditworthiness and financial opportunities. I have diligently followed the necessary procedures to address and rectify this issue, yet it persists, causing undue hardship and frustration. 

I urgently request that you take immediate and decisive action to investigate and remove these inaccurately reported accounts from my credit report. I expect a swift resolution to this matter, including the complete removal of all late closed and charged-off accounts within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

If the inaccurately reported accounts are not removed from my credit report within the specified timeframe, I will have no choice but to explore further avenues of resolution, including seeking legal remedies to protect my rights as a consumer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. 

Please treat this matter with the urgency and seriousness it deserves. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-02-26
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. (FL)

Incident happened from first time 26 years ago when Experian credit report agency start reporting false information on my account. Late payments on credit report are illegal. All consumer reports agencies, including Experian, Are in violation of 15 u.s.c section 1692e for false or misleading representation and 15 u.s.c. section 1611 criminal Liability for willfully and knowingly violation on my credit report. 15 U.S. Code 1681a ( 2 ) ( i ). Exclusion : report containing information solely as to transaction or experiences between the " consumer '' and the " person '' making the report. Meaning everytime Experian report a late payment on consumer is a violation of {$1000.00} under 15 u.s.c section 1681n.
Consumer complaint received 2023-02-26
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: Experian Information Solutions 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. 

XXXX XXXXXXXX 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 2023-12-04
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. (FL)

in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

the Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this ground for removal they also violated my right under 15 U.S.C 1681 section 602 A States I have the rights 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-10-27
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. (IL)

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts XXXX XXXX, Acct. No. XXXX ; XXXX XXXX, Acct. XXXX ; XXXX XXXX Acct. XXXX ; XXXX XXXX, Acct. No. XXXX ; Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 XX/XX/XXXX These have violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit dossier in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (IN)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-25
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. (GA)

Hard credit inquiries were not initiated by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-25
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX