davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

I checked my credit report in late XX/XX/XXXX and saw this account on my credit. I did not recognize the debt so I disputed the debt. On XX/XX/XXXX, I received a first notice from Nation Credit Adjusters dated XX/XX/XXXX. I messaged XXXX XXXX on XXXX to try and get a contact who could help me resolve the account. I explained what happened and asked for guidance. The debt was so old, I had no way to prove if I did or didn't owe the debt so I went ahead and paid the debt online. I called in on XX/XX/XXXX and spoke with a representative to make sure the payment had been received and asked when it would be removed from my credit report. She stated that it would not be removed but would be updated to XXXX balance and marked paid in full. I told her that I never received a first notice and on a recorded line she stated that they sent a first notice on XX/XX/XXXX and it was marked as mail return. They got my updated address from when I disputed the account in XXXX and then resent the first notice. I never received a phone call or a first notice so I had no opportunity to dispute the debt or pay it before they credit reported the account. I have disputed twice and the company keeps replying that the info is correct. They updated the payment that I made and left a balance and shows unpaid collection. I have emailed the CEO and submitted a message via the company website. This is not fair debt practice tactics and I want this removed from my credit report. I will also be filing a complaint with the Kansas Attorney General 's office and the FTC.
Consumer complaint received 2023-05-19
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: SYNCHRONY FINANCIAL (CA)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (MD)

Since XX/XX/XXXX I have been receiving repeated and frequent telephone calls from AFNI a company engaged in the practice of debt collection. They calls have increased in intensity and caller identification information indicates that AFNI is calling on a frequency of two to three times a day. The alleged debt is unknown. I filed a previous complaint with CFPB against AFNI on XX/XX/XXXX. At the time, I indicated an issue of communication tactics. Despite a previous complaint regarding their communication tactics the company continues the harassing behavior. To repeatedly call on a daily basis for over four months is harassment.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested the company of XXXX XXXX  to validate that this account had been paid late on XX/XX/year>. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.
Consumer complaint received 2021-03-12
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: Granite Bay Acceptance Inc. (OH)

My complaint is against Granite Bay Acceptance Co of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This company has made several unsolicited and unauthorized checks of my credit over the last year. I live in Ohio, this company is in California. To my knowledge, I have not conducted any business with this company at any time. I have not applied for any loans or financing from this or any other company during the last 12 months, and have received no letters denying me credit with this organization as the financier, and therefore deem their inquiries as illegal. This regular checking of my credit has caused my credit score to drop, which I found during my regular annual review of my credit reports. 

They illegally checked my credit on XX/XX/2020, XX/XX/2020, and again on XX/XX/2020. I contacted them by email to find out the purpose of their inquiry, and to request they cease and desist, and have not received a reply. I do see upon XXXX search that there is existing litigation against this company for allegedly violating consumer privacy laws by checking credit and selling the information to third parties, and fear that the same may be occurring with me.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (MI)

I am writing to dispute a charge of {$460.00} on my XXXX credit report that was once removed off two of my XXXX and XXXX account when I was with/under the XXXX XXXX XXXX from XXXX in a half year. Now that I no longer with the XXXX XXXX XXXX, the company Mountain Run Solutions add the {$460.00} back on my XXXX credit. 
The {$460.00} charge goes back to over 12 years. I sold my house back in XXXX. In XXXX is when I received a letter from XXXX XXXX that indicated I had a balance. I even tried to work with XXXX XXXX to make payments because I wasnt aware of a balance was due for payment. They were not negotiable with me making any payments they wanted the funds in full. I wasnt aware that a company can collect a debit after 10 years. 
Can someone explain how can something be removed off your credit when Im paying the law firm to so call fixed my credit but when I stop paying them the hard inquiry be back on my XXXX score? 
Please remove the hard inquiries back off my credit score since the charge is over 12 years or longer. 
Please help me.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I received an email on XXXX XXXX XXXX  from AMEX, that I perceive as an attempt at extortion ( asking for money in return for avoiding an adverse action -credit limit reduction ). Please see following, relevant paragraph from email : What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction. 

What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$950.00} within three days of receiving this email.
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-02-17
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (TX)

As per 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

So please tell me who you spoke to regarding this debt to take it upon your self to add this information to my reporting violating me ans resulting in Identity theft as per 15 USC 1681a4, and 15usc 1681b permissible delete immediately and cease and desist all this mess.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Received a denial notice from an apartment complex on XX/XX/XXXX. along with the denial letter, received current copy of my Transunion report with a number of erroneous errors. Contacted Transunion on XX/XX/XXXX in regard to unauthorized inquiries on my credit report that I needed removed. I informed the agent that according to the FCRA, these unverified and unauthorized items must be removed. The following are the inquiries listed on my Transunion credit report that have NOT been authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Spoke with Transunion agent XXXX at approximately XXXX XXXX. Stated he could not assist with the unauthorized inquiries, regardless of FCRA status. Was advised to file an official complaint through CFPB for removal/resolution. 

Case : XXXX
Consumer complaint received 2024-03-21
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. (LA)

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 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 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (TX)

I recently purchased a new vehicle and my loan was financed by BMO Harris Bank. I have made two payments on the account on time and I recently asked for a payoff because I am thinking of refinancing with my credit union. When given the payoff I asked for a breakdown of my interest/principal that was taken out of my two payments. After this was given to me verbally I asked for a amortization schedule because I felt the interest taken out of the first payment was more than what I had calculated myself using my own amortization schedule. I was told I was I would be getting one in the mail. 

After a week, I called back today and wanted to check on my request. After five failed attempts to reach a live person to speak with, I was able to get a representative to forward my call to the complaint/escalation department. I finally spoke to XXXX ( employee # XXXX ). He attempted to explain the breakdown of how interest and principal is taken out of each payment depending on the daily per diem. I informed him I understood everything he was telling me but my dispute was the interest charged out of my first payment did not match what I was calculating on my amortization schedule. I asked to speak to the originations or underwriting supervisor or someone that can explain and break down how they came up with their amount that was taken out of my first payment. The escalation representative seem to get irritated that he was not going to be able to get me off the phone easily and put me on hold for several minutes, stating that he was attempting to escalate my compliant. After minutes of being on hold, XXXX came back on the line and informed me that BMO Harris Bank does not provide amortization schedules to their consumers. I asked why? He stated over and over that they just don't. I asked him " what if a customer, like me, has a dispute about where and how their payments are being applied? Is the customer just supposed to believe BMO Harris is doing the correct thing? XXXX kept informing me that he could not escalate my call and that again XXXX Harris does not provide amortization schedules. I informed XXXX my concerns are valid and that I feel that BMO Harris did not accurately calculate the interest taken from my first on time payment. I informed him that there aren't many other factors that could have affected my loan since this is my first payment and its on time. If you start with the Amount Financed, term, rate, contract date, first payment, then your calculated interest charged should be the same regardless of what amortization schedule program someone uses. Unless, BMO Harris has a different way of calculating this I'd like to know.
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (IL)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-01-09
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX : XXXX
Consumer complaint received 2023-03-08
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. (IA)

Remove old obsolete accounts. 

Remove XXXX - XXXX XXXX According to my record, the date of my first delinquency was XX/XX/XXXX, and the fall-off date is XX/XX/XXXX. 

It has been on my credit report for 7 years and 9 months. XXXX and TransUnion refuse to remove the account. 

XXXX has removed the account. Why are XXXX and TransUnion continuing to violate the fair credit reporting act?
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (LA)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX I have disputed the correction of my name and Equifax have not corrected my name. Please put my full name on my online ( internet ) credit report so it want get confused with a person with a simular name. Whe creditors pull my credit on the internet from Equifax they do not get my full birth name. I write my name as it is spelled on my birth certificate attached to this compliant. I have attached my online internet personal profile as it appears on my equifax dot com.