davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

According to 15 U.S.C 1681a Definitions ; rules of construction XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of my rights. 15 U.S.C 1681a states that for an account to be furnished on my consumer report the furnisher must disclose to me that an account may be furnished on my consumer report and I must be given the opportunity to direct whether such information can be furnished. XXXX XXXX XXXX and XXXX XXXX XXXX has NOT given me the opportunity to direct such information, furthermore XXXX XXXX XXXX has not followed the correct eviction procedure on several occasions. XXXX XXXX Apts failed to provide me with an eviction notice or quit and leave notice, they also failed to completely evict me as only half of my belongings were moved to the curb from the third floor, the sheriff officer and movers stole small items as they allowed me to get a moving unit as a result my family and myself were XXXX after being told that coporate and the front office would be of assistance with adjusting rent payments due to going the entire winter with no heating unit and also large holes in the cabinets. As a landlord they are required to provide suitable living environments for their tenants to be in compliance with federal laws.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NC)

Agent from the company ( Barclaycard US ) provided incorrect information and improperly set up automatic draft payments which lead to late payment balance even though payment where completed as agreed. 
Company reported late payment to credit bureaus, recognizes that the agent made a mistake in the arrangement, however refuses correct negative reports to credit bureaus.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2022, I sent XXXX Commenity Bank my military orders. I received confirmation on the XXXX that they were received and would be reviewed within 30 days. Then on XX/XX/XXXX, I sent them a message that it will have been 30 days soon and haven't heard anything. They responded on XX/XX/XXXX, stating that they didn't receive my request until XX/XX/XXXX and that they had 45 days and it is currently under review. On XX/XX/XXXX, I contacted them via phone and had to speak with multiple agents after requesting a supervisor because none of them knew what military benefits were or were unable to transfer me. The supervisor on this call advised that she saw the request was uploaded on the XXXX and that it has been 45 days and she would be opening an investigation.
Consumer complaint received 2022-07-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I send in my payment back on XXXX of 2018 and my check was cashed. I never paid attention to my account till after I received the new statement that showed I was past due for 30 days. My check was somehow cashed by a unknown person while the mail was either in transition or with Capital One Bank. I reported the problem to Capital One after which they requested the copies of the cashed check shich I provided to them. A month later I received a letter from Capital One Bank that they could not correct the negative reading as it was not their fault. I have also sent an email to their CEO to request for assistance but my email was never answered.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2011 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RICHLAND HOLDINGS, INC. (NV)

I'd been living at a house since XX/XX/XXXX. On XX/XX/XXXX, I moved out leaving my last month deposit, {$500.00} pet deposit, and half a month rent. I cleaned the house and dropped off my keys. A couple of weeks later, I got a letter demanding {$3700.00} in damages to the house. I was then sent to collections. I've written twice with no response. I left the house with normal tear and wear. I've attached both letters and the lease. This collection is baseless. The landlord wants to charge me for paint and carpets for the new tenant. When I moved in the house neither the paint nor the carpets were new. I want this removed from my credit report because it's damaging in an unfair way.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX, I had an account with XXXX for auto insurance that had been raised in premium in months prior. The payment was out of my budget at the time and therefore I began searching for a new Auto Insurance carrier. I obtained a new carrier in XX/XX/XXXX. I then allerted XXXX and asked for them to cancel my policy. The agent stated that they needed the new company to provide them with the new insurance information to cancel. My new carrier gladly sent the proof of insurance over for them to comply. I then spoke to an agent again whom at that time stated that the policy had been canceled by me, and that there was no payment or outstanding balance due. At that time, I believed this matter was resolved and there would be no future issue with any of this. 

Fast forward to XXXX of XXXX. I have since gotten a better paying position, and had began to look at my credit in hopes of purchasing a home this year. There I found a collection from XXXX, on the above said account. I have attempted to have this corrected through XXXX and through the credit bureaus with no relief. I also have an email issued from XXXX stating a {$0.00} balance. When trying to present this to XXXX or any of the credit bureaus, I have been told that they are refusing to honor their own communications to me stating that I have a {$0.00} balance with their company. This entire situation has been beyond frustrating.
Consumer complaint received 2022-07-27
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: GOLDMAN SACHS BANK USA (TN)

I have credit cards on my report that were not opened up by me, I did a ftc complaint my reference number for the FTC report : XXXX
Consumer complaint received 2022-07-27
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. (TN)

I have credit cards on my report that were not opened up by me, I did a ftc complaint my reference number for the FTC report : XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, US SM BUS ADMIN ODA, 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 2022-07-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (FL)

Receivables Management Systems ( RMS ) have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, RMS should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my wet signature, showing that I have a legally binding contractual obligation to pay RMS the alleged amount.
Consumer complaint received 2023-03-26
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. 
XXXX XXXX {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-03-26
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with Fair Credit Reporting Act XXXX for an XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX for XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with Fair Credit Reporting Act XXXX for an XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX for XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My Mortgage was sold and I received a notice XX/XX/2022 that I should be making payments to Select Portfolio Servicing. I sent them the payment for XX/XX/XXXX, XXXX since XXXX they have been harrasing me for past due payment. I sent them numerous correspondence showing payments but they are insisting that I did not make XXXX payment. I contacted the previous mortgage comany and was told that the loan was sold and I am only responsible for making XXXX payment as my first payment. I also had made XXXXXXXX XXXX payment to the previous company. I have been sent late statements since XXXX and continouly receive late fees posted on my account. To date, I have paid XXXX since the loan was transfered
Consumer complaint received 2022-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I purchased a home in XXXX of 2014 my mortgage loan is with Penny Mac. I didn't have the full 20 % down payment at the time so my mortgage needed to have PMI. I have accrued more then 20 percent equity in my home but Pennymac refuses to help me remove my PMI. The only option they offer me is to refinance my home and take out some of my equity. I do not want to refinance my home since my interest rate is low furthermore I would have to pay for closing costs. I believe that's the reason they keep pushing me to refinance my house. I get calls almost daily from Pennymac trying to convince me to refinance and when I tell them I just want to get the PMI taken out they tell me the same thing ( it cant be done ) I appreciate any help with this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2022-07-26
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. (TX)

XXXX HAS PULLED MY CREDIT XX/XX/2022 I DID NOT GIVE XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.
Consumer complaint received 2022-07-26
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. (TX)

XXXX XXXX XXXX HAS PULLED MY CREDIT 3 TIMES XX/XX/2021 XX/XX/2021 XX/XX/2021 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF OF AUTHORIZATION.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (TX)

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 account # XXXX has violated my rights. 
Medical Bill 26 U.S. C 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 2022-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management XXXX, contacted me claiming they were the " legal '' in a sneaky way to imply they were lawyers. They demanded personal information without verifying/validating the debt. Then they filed suit, and in accord with my the Courts wishes I filed for " alternative dispute resolution '' - despite only authorizing the mediator to speak to the attorney - the attorneys provided a number that was to their collection line- while I understand this is possibly not a violation it is at best bad faith and smacks of representing that the boiler room collection employee is a part of the " legal department. '' XXXX {$6200.00} XXXX XXXX
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

In XX/XX/2021 I mailed out a dispute to the 3 major credit bureaus on their reporting on a few accounts that are closed.30 days later I have no response nor communication after mailing these letters out thru certified mail.The accounts involved in the dispute are reporting inaccurate payment history information and is hurting my good name and stopping me from advancing as a consumer holding me back from purchasing a new home and i believe such tactics is keeping my score below average.As you know payment history is about 35 percent of a score.The following accounts show errors made to accounts I was never late on and in fact balance was transferred to another account.There area couple violations if not corrected i will have to take actions necessary to correct.Under the FCRA negligence to do a proper investigation.Errors you will see in the attached documents are reporting a 30 day on time and go straight to a 90 day late or 30 day on time ok to 120 days late, one is reporting charge offs other account says on time.. How is that accuarate how is that correct.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  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.