davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past XXXX years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.
Consumer complaint received 2022-07-05
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. (MD)

In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer report.
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I received a letter from Truist stating that I had until XX/XX/XXXX to bring my mortgage payments current, otherwise foreclosure proceedings would begin. On XX/XX/XXXX, Truist transferred my mortgage to a third-party company. I went to a Truist branch location to figure out what I ought to do, and after the branch employee and I called the third-party company, we learned that it takes 15 days for the company to internally process a transferred mortgage. Therefore, I would not have the opportunity to pay off my loan, and the third-party company refused to share how much I owed in order to bring the loan current. Eventually, the Truist branch employee told me to get a cashier 's check of the most recent amount shared to me via letter, and to overnight it to the third-part 's location. 

I'm concerned that I may lose my house, despite my best efforts to bring my mortgage current. The early transfer of my mortgage may have locked me out from properly bringing my mortgage current by XX/XX/XXXX, and may cause me to lose my house.
Consumer complaint received 2020-12-17
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. (NJ)

on XX/XX/2020 I sent letters to XXXX, Experian and XXXX  stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy XXXX and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file
Consumer complaint received 2022-04-10
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. (GA)

XXXX XXXX XXXX XXXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Original creditor : XXXX BANK XXXX AD XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  O Original creditor : XXXX XXXX EXXXX  XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-10
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. (TX)

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation (TX)

This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past seven years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.
Consumer complaint received 2022-04-10
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. (GA)

In accordance with the Fair Credit Reporting Act, the following companies and accounts are in direct violation of 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 TXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am disputing late payment with my mortgage company, XXXX XXXX. There is a 30-day late payment for XX/XX/2022 on all three credit bureaus. I have confirmed with my mortgage company the payment was not late ; however, I have called several times, and my credit report has not been updated. I want the late payment to be reversed to ok or paid as agreed. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-04-10
Product: Credit card or prepaid 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 (NJ)

I made a purchase on XX/XX/XXXX. I immediately asked for a dispute because as soon as I got the order confirmation email, it was a clear scam. The customer service email ( XXXX ) is linked to all these other scam sites, the same exact email template shows up on XXXX images from different shops, I got absolutely no product in the mail, no response from the customer service when I made an attempt to contact them, and the site said I would be charged {$73.00} but I was actually charged {$81.00}. The site I purchased from, the store that sent the confirmation email, and the merchant shown on my card statement are all different names. 

I was awarded {$8.00} from my dispute with Apple Card. I originally thought this was an employee error and that they just accidentally left out the XXXX in {$81.00}. I made many attempts with Apple Card support to get an explanation and was given different answers every time. No one knew what I was talking about when I explained what the previous person had told me, nothing I was told would be done was ever actually done, and nothing was documented in my account. I waited XXXX months to get a call this past Monday ( XX/XX/XXXX ) and I was told I received {$8.00} because I only disputed in the amount of {$8.00}. Apparently the first representative thought I just wanted the difference between {$73.00} and {$81.00}, not the full amount. I was told I could reassert the dispute in the correct amount, and I emailed evidence showing this merchant was a scammer. 

Today ( XX/XX/XXXX ) I got a call from a XXXX and was told something completely different. She stated the item I purchased was only {$8.00} and that I was charged {$73.00} because that is how much it cost the bank to do the currency conversion from yuan to dollars. She states that the money didnt go to the merchant, it went to whoever does the conversion and she confirmed that I just paid {$73.00} for nothing. She could not tell me who got {$73.00} from me. 

I have proof that {$73.00} was the amount the scammer charged and had nothing to do with a conversion rate. My credit card statement clearly shows {$81.00} was originally paid to the merchant. I was refunded {$8.00} by Apple Card, and now the statement shows I still paid the merchant {$73.00}. The merchant site is still up showing the price of the item is {$73.00} USD, not yuan. My confirmation email showed I transferred {$73.00} USD, not yuan. 

I also checked the exchange rate of the XXXX yuan; according to the merchants confirmation email the exchange rate was {$8.00} which would be why it went from {$73.00} to {$81.00}. I did the research, and that's not right either. XXXX XXXX is {$0.00} in USD, so if I was charged XXXX yuan like the Apple card specialist tried to claim, it should've been {$11.00} USD, not {$8.00} USD. None of the math adds up to anything I am being told.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-03-14
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: Midstate Collection Solutions, Inc. (IL)

This complaint is in response to XXXX I mentioned the company is violating 15 USC 1681a ( d ) ( 3 ) which is the violation I was making aware in the FCRA NOT the FDCPA. I believe the company misread the complaint. The FDCPA is covered in 15 USC 1692-1692p. The FCRA is covered in 15 USC 1681-1681x.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I dispute a third party charge to my card from a merchant previously dispute that fraudulently charged my account. The merchant is in another state and my banking records show I was not in that area or motel. Bank has reversed claim with no explanation. I suspect BOA is fraudulent working to obtain funds due to failing business.
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service Center, Inc. (FL)

I went to do a XXXX XXXX around XXXX or XXXX  years ago. I had insurance when I went. I was charged a fee for the consultation. Then I was charged a fee for seeing a medical professional about the problem. Then I was charged a fee for a XXXX XXXX Charged a fee for someone to read the XXXX XXXX. Then charged again to have someone explain the fee to me. When does it end? I paid collections of {$510.00} to a collector for the debt listed below. 
XXXX XXXX XXXX XXXX XXXX Now I'm told I owe {$360.00} to a different debt collector COLLECTION SERVICE CENTE For the same type of services allegedly. This when comes from a neurology center in XXXX, WV. I have never been to a neurology center in XXXX, WV. I used to live in XXXX, WV and now I have lived in XXXX for over 2 years. I can't get in touch with the debt collector because I have no information except the neurology center I have never visited. I need help figuring this out. How many times am I going to pay the same related group of people for something some of them may have not had any involvement in. 


XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX, WV XXXX Is committing fraud for services that were never agreed to and possibly never rendered.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A stranger showed up at my home. I asked who he was and I am not receiving non vaccination people nor stranger. The man did not identify himself slipping a paper in my door when I asked him to please leave. 
Bank of America has not responded to my complaint # XXXX my case previously. They sent a stranger to my door and force this letter in my door.
Consumer complaint received 2021-05-13
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. (GA)

I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. Below are details of alleged collection item for review. 

creditor : XXXX-XXXX  XXXX  ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.
Consumer complaint received 2023-06-22
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NV)

Citibank closed my priority account and sent my account to the fraud prevention department on XXXX XXXX 2022. I want to know why and they are going to try to report me. I don't think that's right when you have your own money go into a account and go get it. There manual says they will charge me XXXX dollars. They never did.
Consumer complaint received 2022-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CO)

On Thursday night, I received a notification that some of my cryptocurrency was sold from my Binance US account without my knowledge or consent, and the money from the sale disappeared from the account. There were no unauthorized logins to my account and no record of any transfer of cash out of the account, so my account wasn't hacked or compromised- the money was stolen by Binance US. When I reported it to customer support, they locked me out of my account and started stonewalling on any communication about the issue.