davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mandarich Law Group, LLP (CA)

Upon the agreement of XX/XX/XXXX the company Mandarich Law Group in connection with XXXX XXXX agreed to remove the negative information on the credit report as it was inaccurate. When I contacted their office on XX/XX/XXXX to advise that when I reviewed my credit report that they had placed the item back on my credit as a new debt, I was told I needed to contact XXXX XXXX directly. However Mandarich Law Group is the Company to which I was working with directly. Mandarich Law Group has stated that they no longer has the ability to assist me as the matter was settled and that I would need to contact XXXX XXXX however there is no record of XXXX XXXX. When I spoke with Mandarich Law Group there claim is that they no longer have a relationship with XXXX XXXX and are unable to assist me. However because this is reporting on my report as a new debt it leads me to believe that there is fraud. Mandarich Law Group has failed to do as agreed and I have been informed that they do not have a valid number for the company XXXX XXXX to remove the item from my credit report as I do not owe this debt.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MI)

XX/XX/2024 JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Debt Collection Notice, Account # XXXX Dear Sir/Madam, I am writing to contest the legitimacy of the debt that was mentioned in your most recent correspondence, which was dated XX/XX/2024. I am formally asking for validation of the purported debt by my rights under the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c. 

Upon receipt of your initial communication, I immediately began reviewing the details provided. However, despite my diligent efforts, I have not been able to ascertain the accuracy or legitimacy of the debt in question. Therefore, I kindly request that you provide me with the following information : confirmation of the identity and contact details of the original creditor. 
evidence of the amount due and a thorough explanation of any fees or interest incurred. 
Proof of any written contract or approval proving my obligation to pay this debt. 
confirmation of the debt 's accrual date and any relevant account statements. 
In addition, I want to remind you that the FDCPA requires you to stop all collection efforts until the legitimacy of the debt has been established. If the required validation is not provided, any more correspondence or efforts to collect this debt would constitute a breach of my legal rights. 

Please be advised that I expect a prompt response to this dispute within the timeframe prescribed by law. Failure to provide the requested information or continuing collection activities without validation will leave me no choice but to take appropriate legal action to protect my rights. 

Thank you for your attention to this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am trying to dispute account from all 3 bureaus sent company XXXX XXXX XXXX a debt validation letter to verify debt is mines on XX/XX/2022 they sent letter back but it was not the correct information I asked for
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX  if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$1500.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX  {$1500.00} - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$390.00} -- XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio XXXXXXXX XXXX XXXXXXXX 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 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (OR)

In XXXX, Wells Fargo Home Mortgage reported to one of the major consumer reporting agency i.e. XXXX THAT my alleged mortgage balance = XXXX ; ( I have a copy as evidence ) ; In XXXX, Wells Fargo Home Mortgage Wrongfully foreclosed my primary house... 
XXXX XXXX XXXX XXXX. 
XXXX, Oregon XXXX Market Value = {$420000.00} ; I am open to negotiating a discounted offer on my Claim, to make me " Go Away ''
Consumer complaint received 2022-11-09
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: Avant Holding Company, Inc. (MN)

Its been over 30 days, and the creditor has not updated information nor provided proof or documentation in regards to a late payment. They have not supplied this information. They must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report.
Consumer complaint received 2017-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Since  XX/XX/XXXX  I have been trying to fix this approval letter I need   XXXX   XXXX   to be REMOVED and KEEP   XXXX   XXXX   XXXX    AND   XXXX   XXXX   XXXX   XXXX   XXXX  . I have been requesting this several times and everytime I call they say it is ready and I get the old letter. Please have a supervisor look at this. The buyer is refuse with me and the seller.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I had a PAY PAL line Credit with Synchrony bank ; XXXX XXXX XXXX XXXX XXXX XXXX. Which has been communicated and documented to said bank. Once the balance was paid down in XX/XX/2023 [ XXXX ]. They then closed my account without any notice. I called to ask why in XX/XX/2023, and was rudely spoken to its due to late payments and it can not be reopened As a result of a follow-up call the bank initiated a dispute which appears to have resulted in a credit balance of XXXX. Which appears to be the removal of late fees. That said to date I have heard nothing further and my account is still closed. They also reported the bank as late to two credit bureaus which hurt my score, then the bank reported it to the credit bureaus as an improved account. Yet theres no indication on my credit report that account has been closed by creditor.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I deposited a check to my account at the XXXX XXXX of Regions Bank. The check was for {$250000.00} drawn on XXXX XXXX XXXX XXXX for a divorce settlement. I received at the branch a signed Notice of Availability that {$5300.00} would be available on XX/XX/XXXX, and the remainder available XX/XX/XXXX. I also received email copies of this signed document. 

The morning of the XXXX I received another email stating none would be available until XX/XX/XXXX. I contacted their customer service online chat and was told my signed notice was a legal document and I needed to return to my branch. I have Parkinsons so this isnt easy, but I got a ride back to the bank the morning of the XXXX. 

I saw the same teller, who said the back office changed it but she didnt know why. She spoke to the XXXX and took my phone and said Id receive a call by close of business. I received no call. 

I have phoned Regions asking for someone to talk to, and have been told there is no one, I must return to my branch. I phoned the branch again this morning XX/XX/XXXX and was told there was no XXXX there Friday, and that I shouldnt have been told I would get a call. There is no one available to speak to about this but again she took my number. 

I want to know why I was given a signed document that {$5300.00} would be available 24 hrs after deposit and its still not available.
Consumer complaint received 2017-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

On   XXXX   2016 loancare raised my mortgage to {$2100.00} and I thought we fixed the mortgage amount to {$1700.00}. Loancare said that will be your payment for the next two years until the escrow balance has been resolved. My taxes are {$6900.00} I received a tax  XXXX  credit for {$250.00}, now my taxes are approximately {$6700.00} a year. Loancare has raised my payment every six months. I am also eligible for the tax freeze and a credit will be put in my account. My loancare account  XXXX . Loancare has threatened me with foreclosure and has ruined my credit. They are very nasty and hard to deal with. I want my mortgage payment to remain as {$1700.00}.
Consumer complaint received 2023-10-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (FL)

On XX/XX/XXXX I received a collection letter from Prince Parker that sated they were trying to collect on an older XXXX XXXX XXXX XXXX invoice that I did not feel I owed. However, I tried to deal with XXXX XXXX XXXX and they would not talk to me because I " didn't have my password ''. I had already switched to account to another Mobile provider so I ignored XXXX XXXX XXXX. The letter from Prince Parker stated that I had until XX/XX/XXXX to call/write to dispute the debt, otherwise they would assume their information was correct. I considered contacting them with an offer of settlement, but my main concern was that my credit rating not be affected as I had just built my score up after bankruptcy and foreclosure in XXXX. Since I had until XX/XX/XXXX to pay/dispute the debt this was not # 1 on my priority list. On XX/XX/XXXX at XXXXXXXX XXXX. I received a phone call from a representative to " verify the information ''. 
She stated that they had sent me an email and a collection letter on XX/XX/XXXX. I advised her I had received neither, and my letter was dated XX/XX/XXXX and again, no email whatsoever. I advised the rep that I was probably going to pay in full by the date stated of XX/XX/XXXX since my credit rating was so important to me and I didn't want the credit score providers to include any collection activity. She stated it had already been sent to at LEAST XXXX. On XX/XX/XXXX I received a notice from my credit monitoring service that my score had gone down-XXXX Points on XXXX and XXXX points on XXXX. On XX/XX/XXXX I signed into the Price Parker website and submitted a dispute of their actions and I wanted the credit bureaus to be notified IMMEDITELY that this was a premature action on their part as I would be paying in full on XX/XX/XXXX. After coming home from a job in the early afternoon of XX/XX/XXXX I called into them and spoke with a rep that stated the collection action notification was withdrawn ( it stayed on the site for 3 more days ) and I paid them IN FULL over the phone with a credit card. My credit scores are still down XXXX points from before this organization took premature action and NEVER have sent ANY electronic communication to me.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The amount being reported by Applied Bank is incorrect. This account has been paid in full. 
The amount of {$130.00} was paid to XXXX XXXX XXXX Spoke with manager XXXX XXXX and he assured me this would be resolved but it has not as of todays date. 

Original Creditor : Applied Bank Account Number : XXXX Previous Balance : {$130.00} Current Balance : {$0.00}
Consumer complaint received 2023-10-08
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: GOLDMAN SACHS BANK USA (PA)

Contacted XXXX that USPS marked the parcel as delivered XX/XX/ but it was not received. USPS tracking states : Your item was delivered to an individual at the address at XXXXXXXX XXXX on XX/XX/ in XXXX, PA XXXX. The item was signed for by XXXX XXXX. I am not XXXX XXXX. I dont know anyone by that name. I am the only person who resides at this address. XXXX rejected my claim because the tracking shows delivered. Contacted via XXXX and Goldman Sachs, both rejected. I did not sign for this package nor did I make contact with the courier that day.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I checked my credit as i'm wanting to buy a new car later this year and i saw some fraudulent accounts, inquires and addresses on my consumer reports. There is an account with Named XXXX  with a balance of {$24000.00} on my consumer report that isnt mine. I've never has an account this this company or done business with them. There is a fraudulent account with XXXX XXXX Manage with a balance of {$5600.00} with orginal creditor XXXX. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, i have XXXX XXXX. There is a fraudulent loan with the name of XXXX XXXX  for {$990.00}, I have never done business with this company. There are XXXX fraudulent student loans with US DEPARTMENT OF ED for {$3100.00} and {$3100.00}, but i have never attended a college before. The following fraudulent inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses do not belong to me XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I contacted Experian asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you
Consumer complaint received 2023-03-31
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)

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of ED All of these companies 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 an 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$11000.00}