davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

I'm in accordance with the fair credit reporting act the list of accounts below have violated my federally safeguarded consumer right to privacy and confidentiality under USC 1681 Students loans XX/XX/XXXX, {$1800.00} XXXX, XXXX  {$190.00} XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Credit information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602- 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 sections state no consumer reporting agency may make any consumer report containing any of the following items of information or 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 section States 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 2024-03-06
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. (NC)

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. 

UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following unauthorized inquiries are being reported on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I tried to contact Capital One about not allowing me to have the full limit of the {$300.00} they promised me. It says on my credit limit that my credit limit is {$300.00} and Capital One only allows me to spend like {$250.00} can you please explain this to me.
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MI)

I applied for and received a credit card issued by Chase for Amazon XX/XX/2015. Balance was paid in full by the billing cycle after the card was issued. XXXX letters were sent to Chase with a copy of the cleared check from my bank and a carbon of the check itself asking them to reflect the charges. The second effort was met with a response saying the issue was under investigation and I should do nothing. Today, I received a past due notice.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

Original creditor is Synchrony Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX XXXX. The amount is {$380.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use. I currently have two Synchrony Accounts that I did open. One was opened in XXXX and the second was opened XXXX. I am in good standings with those accounts.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 - 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 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-06-26
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 — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (CA)

I have a loan with XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX XXXX/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reach out via phone around the beginning of this year to resolve all issues between me the CRA and my consumer report.Then I reach out via mail on numerous counts. Yet they have been very stringent on resolution. Ive made little progress with handling this issue on my own. I recently decided that my story needs to be heard and began seeking help with the CFPB. There are unauthorized inquiries and also names employers and addresses that should not be reporting to my consumer profile. This has hurt me in the past and now it is harming my family and livelihood.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX acc # XXXX Amount {$2000.00} I have near heard of this company before. I have not seen this on my credit report until lately. I have no idea what this company does or is. I have contacted them, and they told me they sent emails to me and tried to call me. I have not received any emails or phone calls from this company. I do believe my identity may have been accessed during this time. I have exactly four charges during this time, that I am unaware of. I did not create this account.
Consumer complaint received 2022-12-02
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. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I started this journey XX/XX/XXXX of this year when I checked my credit and noticed several accounts from Account Resolution Service account numbers XXXX ( {$420.00} ),  XXXX ( {$1300.00} ), XXXX ( {$1000.00} ), XXXX ( XX/XX/XXXX ), XXXX ( {$1400.00} ),  XXXX ( {$1000.00} ). I originally contacted the credit bureaus to dispute the accounts due to the accounts not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listings as it should be reporting 100 % accurately and asked for proof of verification received from Account Resolution Service and did not receive anything but a generic response with no proof. After 2 attempts I contacted Account Resolution directly on XX/XX/XXXX via certified mail USPS #  XXXX attempted delivery on XX/XX/XXXX at XXXX XXXX letter was not delivered due to no access to delivery location. How is it possible for them to provide an address that the postal service can not access? This type of practice does not seem ethical. In the letter I asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract. These accounts are still reporting on my credit which they shouldn't because no one seems to have the proper documentation and accounting so these should be removed as I am not responsible for these debts. Please provide validation of the accounts especially since I never received any notice/statement from you stating you're trying to collect on an alleged debt.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (ID)

In XX/XX/2019 I received an account history. My escrow account was in a minus state from XXXX through XXXX, and only notified in XXXX in a statement. This was probably due to the fact the house is only 2 years and it has taken the state that much time to catch up on collecting the right amount of taxes. In XXXX of 2019 the company called me to say I have to pay for hazard insurance which I thought was supposed to be part of the escrow account ( which it is ). They contacted my insurance company ( XXXX and informed them that they owed them ( the mortgage company ) {$720.00}. They called me back saying that I had to take care of the insurance or they were going to get it and threatened it would cost me more money. I couldn't believe what they were saying. They finally paid it. Because of this experience I thought it best to cancel the Escrow account. I wrote a letter on XXXX XX/XX/2019 indicating I wanted the account closed by XXXX XX/XX/2019 and was willing to pay an amount of {$950.00} that was due the Escrow Account and starting XXXX XX/XX/2019 I would pay only the {$630.00} for the mortgage fees. I sent the letter Register Return Receipt and they signed it on XX/XX/2019. I never received a reply. Sent my normal payment of {$820.00} on XXXX XXXX, which should have been received on XXXX XX/XX/2019. They held that check until 2 days after the deadline and tried to charge me a late fee. I have a copy from the bank showing proof of payment. I finally went to the bank on XXXX XXXX with my problem. A representative at the bank spent 1-1/2 hours on the phone trying to get the fee taken off and sent the loan company a copy of the proof of payment as well as a copy of my letter and a copy of the registered return receipt. When they sent me the statement of my account they said the shortage was at {$2700.00} ( I believe this included what my account was going to require by XXXX of 2019 ) and that my future payments would be {$1200.00} if I didn't pay this shortage by XXXX XXXX. I told them about the letter - they ignored me - and told me they did not acknowledge my request to do away with the escrow account because I hadn't paid the {$950.00}. I sent it on XXXX XX/XX/2019 when it was due, and have a receipt from them. The {$950.00} is the true amount of the shortage, but they are trying to get more to cover the added fees needed for the escrow account because they decided not to close it out until XXXX XX/XX/2019. I'm XXXX years old, luckily still have my wits about me, but have never in all those years experienced anything like this. I have called them numerous times and have lots of names of people I talked to. The person at the band I use was hung up on as I was many time. The bank I have been using has indicated that previous to this problem they checked to see that the loan company was not cashing the payments until weeks after having received same. I don't want to have my credit score hurt by their mistakes. I don't believe I should have to pay for their incompetence.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

I attempted to pay our XX/XX/2022 Citizens One Bank mortgage during the week of XX/XX/XXXX through XX/XX/2022. Apparently, Cititzens One Home Loans online account www.citizensbank.com was changed to Citizensonebank.com.

When I attempted to setup a new login at the new website, it did not recognize my phone number at the new site. Between the old site and the new site, there were 5 phone numbers to call for service. Starting on XX/XX/XXXX, the hold times were extremely long ( over 1 hour ) and often times, I was disconnected before someone answered. 

On the XXXX I finally got through to the rep after 1 hour and 45 min. She said she couldn't help me ( Name - XXXX ). XXXX then transferred me to XXXX. I could hear men talking in the background while she was working from home. She asked me for my full SS # which I refused to give because of the people in the background. I said I could provide her with other info such as my mortgage # which she refused to take. I also asked her for an employee #, which she refused to give. I then requested to be transferred to her supervisor. This was over 2 hours into the call. 

Her supervisor was very professional. He did not understand why she refused to give her employee # to me as that is their customer service identification number. He was not able to help me either, but concurred with me that asking for a social security number in full, in an unsecured call setting was inappropriate for the company and employee to do. 

Any company whether a bank, mortgage, investment, medical, etc type of company that holds identity data should not be using FULL social security numbers as a verification method. My identity could have easily been stolen by the people in the background or even the employee. 

I think that Citizens One Bank needs to find a new verification method for home loans and mortgages.
Consumer complaint received 2024-03-06
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (CA)

Debt collector has called me on behalf of speedy cash also sent emails stating they were going to sue me and that I could do jail time etc also has threatened to tell my job and get me fired would not make any arrangements with me and doesnt even have correct amount I owe happened XX/XX/2019 2019
Consumer complaint received 2019-09-29
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. (TX)

-I reported to Experian that the only address that should be showing on my credit report should be XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and XXXX should be the only phone number.