davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
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: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I am fully ready to submit any documentations requested in order to fully support my claims and my case. 

My home and everything in it was completely flooded and destroyed on XX/XX/XXXX. Since that date, I have been diligently and carefully piecing my life back together, including rebuilding my house, replacing everything in it, and most of all, ensuring all of my bills are paid on time and all of my finances are in order. 

I first contacted XXXX XXXX about my situation in XX/XX/XXXX, where they then referred me to submit paperwork through their website to apply for emergency forbearance. Once I submitted this, I was approved due to the circumstances for deferment from XX/XX/XXXX - XX/XX/XXXX. 

What I was not initially made aware of was that XXXX XXXX was already reporting my accounts as delinquent to XXXX, who was updating this information to my credit report, and as a result, dropping my score dramatically. 

When I noticed that the accounts were being reported as late/delinquent, I attempted to dispute with XXXX, who quickly closed my cases and directed me to talk to XXXX XXXX directly. XXXX XXXX stated that their hands were tied since the delinquency was already reported during XX/XX/XXXX. 

I have always been an immaculate borrower and have never ever, NOT EVEN ONCE, been late on any payments on any accounts, EVER. I would have never even requested deferment if it weren't for the extreme circumstances as a result of the natural disaster. 

Please consider my statement and the facts I am presenting you to find an appropriate solution. My credit shouldn't be permanently tarnished due to this small hiccup as a result of a GIGANTIC natural disaster. 

Thank you.
Consumer complaint received 2021-12-05
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. (VA)

I have looked at my consumer report XX/XX/2021 and I realized that my rights as a consumer were violated. Pursuant to FCRA 15 USC 1681b ( a ) ( 1 ) I have never given the consumer reporting agency any written permissible purpose to furnish any of the accounts that I disputed. Also they have violated 15 USC 1681a ( 2 ) ( b ) by not excluding such accounts that had anything to do with my credit card which is also my security card according to 15 USC 1602 ( i ). I sent a letter to the company explaining their violations and that they must remove any of the accounts that had no permissible purpose or had any association with my social security that I do not want on the consumer report and I have the LEGAL AND LAWFUL RIGHT to do so.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (FL)

I disputed my SWISS COLONY / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX  did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through XXXX. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to XXXX on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (SD)

Discover Card opened an account using my personal information and then provided a credit card to another person other than myself. When I discovered this after receiving a credit alert, I contacted them to address the issue.XX/XX/2018. Upon giving them my personal information the agent informed me that the information did not match what they had on file and then asked if I had been a victim of Identity Theft. I had stated that I had been for several years and that was why there was a Credit Alert on my credit files. The representative advised that they has noted in the account and would transfer it to the Fraud Department and remove it from my credit file. I received 29 calls during the next 3 days regarding the same issue. Discover Card has continued to report the card as closed as it is still being illegally reported on my credit file as of today XX/XX/2018. They continue to change the amount of the alleged debt from {$1100.00} to {$620.00}. They continue to commit Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act Section 807-8, Violation of the Fair Credit Reporting Act Section 623-b.
Consumer complaint received 2020-11-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Bank 's manger compiled the attached table. Red ( Misapplied????? by Navient ) are still missing and totaling $ XXXX-which is unapplied/misapplied by Navient.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SW CRDT SYS account with a balance of {$500.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. .If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/XXXX18 my credit report ( see attached ) displayed some address errors that need to be corrected. 

Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX These items must be deleted. 

Correct addresses : XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-04-07
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. (TN)

Derogatory Information has been placed on my account by XXXX XXXX and it needs to be removed. acct number XXXX. 15 USC 6801 ( a ) The Gramm Leach Bliley Act states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. I did not give consent for XXXX XXXX XXXX to share any of my information with any nonaffiliated third party. XXXX XXXX is currently furnishing a Charged Off account on my consumer report. The Internal Revenue Service defines a charge off as income also known as a certificate of indebtness and according to the law Income can not be reported. Furthermore, there was no notice of my right to Opt out of credit reporting that was clear and conspicuous in accordance with the Gramm Leach Bliley Act. According to XXXX XXXX 's privacy policy they only share information with their affiliates and no other. This charged Off account needs to be removed immediately. This directly violates 15 USC 1692d ( 1 ) in which XXXX XXXX XXXX has harmed my reputation by reporting this derogatory information. Per 15 USC 1681n ( a ) ( 1 ) I am entitled to compensation of monetary relief of {$1000.00} per violation.
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

Medicredit debt recovery company has contacted me regarding a debt owed from XXXX XXXX XXXX XXXX. Medicredit has failed to provide a debt validation letter in writing, and their right to collect on behalf of XXXX XXXX XXXX XXXX. I have requested this information in writing and they denied my request for information over the phone. Additionally, I have never received any mail correspondence on this debt. I requested that a supervisor return my call to discuss this account on XX/XX/XXXX, and have yet to receive a call back. Medicredit also tried to say that I attempted to pay the account off via credit card but the card was declined for unknown reasons. I never authorized such a transaction nor can they provide documentation that I did. I want this resolved as quickly as possible because I am fearful that they will negatively impact my credit report.
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2018 I called Bank of America to pay off and close my credit card account. I payed over the phone using a checking account from another bank. I paid Bank of America my total balance of {$5000.00}. I asked to have the account closed, and asked the person I was speaking with 3 times if this would then conclude my business with Bank of America. The person I was speaking with advised me that even though the account was closed if I had any recurring charges ( ie XXXX account ect. ) there was " a chance '' ( her words ) that those charges would post to the account and I would be responsible for them. Because I don't have any recurring billing accounts linked to this credit card account, I said " ok '' and assumed that was that. 

Yesterday XX/XX/2018 I received a bill from Bank of America for {$27.00}. I called Bank of America using the phone number at the bottom of the bill ( which turned out to be customer service for checking accounts ) and eventually spoke to a person that told me that the {$27.00} was interest accrued after I closed the account. Because there where days remaining on the XX/XX/2018 billing cycle after the day I paid off my account and closed it, I was still charged interest on the closed account. 

I believe that Bank of America is purposefully murky and misleading as to their practices involving personal credit cards ( as further illustrated by listing the wrong departments customer service phone number on a credit card bill ). I believe that I should not be held responsible for the interest accrued after I closed my account, and that the bank is smart enough to prorate the remains days of interest when a customer attempts to close their account on a day that does not coincide with the start or end of a billing cycle. Even though it's only {$27.00}, I am outraged that the bank has seen fit to charge me XXXX cent after paying off my account completely.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Consumer complaint narrative I pulled my XXXX credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Consumer complaint received 2018-10-14
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: Experian Information Solutions Inc. (MO)

The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX  SS 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-05-03
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 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, 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TN)

today XX/XX/2022 i recieved a letter in the mail from Ally Bank in regards to a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION, about Account number XXXX, Ally Bank is in violation of 15 USC 1681, and 15 USC 1682.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Ally Bank does not have the right, or my permission to report to the credit bureaus and has again caused me harm and owe me damages
Consumer complaint received 2018-10-13
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 — Their investigation did not fix an error on your report
Company: GOLD KEY CREDIT, INC. (ME)

Nothing was corrected and i was transferred over and over and over again to so many people who i had to tell the same information to. I got no where and had my insurance company on the line who were upset about the run around yet i coukdnt get anyone on the phone to correct the inaccurate reported information.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (TX)

My Wife and I were victims of identity theft with a company called XXXX XXXX and they were notified and a police report sent to the company and its collection team of XXXX. The account was removed from the credit bureau but now has reappeared with another collection company called MontereyCollections. This has affected by lively hood and life and is damaging my reputation. 

Respectfully XXXX XXXX