davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. 

XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, MA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Employers : XXXX Experian : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-30
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. (NY)

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 U.S.C 1681. 

XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX 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 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

I have tried disputing this account through all credit reporting agencies. After the dispute was submitted, the account is now being reported twice using 2 different dates. This appears to be in retaliation of the dispute. This debt is not mine. I have filed an identity theft report with the FTC. This record needs to be removed as it is not mine.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I notified Experian through a dispute ( attached ) about two inquiries from XXXX XXXX and XXXX XXXX XXXX. that I did not recognize and did not authorize. I requested an investigation of this information. I received a response from Experian dated XX/XX/2020 ( attached ) which did not address the results of my dispute. I followed up with Experian with a letter dated XX/XX/2020 ( attached ) which again requested an investigation of my dispute and which also questioned whether the inquiry companies had permissible purpose to access by consumer report. I received another response from Experian dated XX/XX/2020 ( attached ) which was substantially the same response from XX/XX/2020. As far as I can tell, no investigation of my dispute was conducted by Experian.
Consumer complaint received 2022-08-17
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. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXXt appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please delete these items : XXXX XXXX XXXX  XXXX, CT  XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX
Consumer complaint received 2023-04-04
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

contacted experian about an alert directly from them about an address and alias linked to my SSN. As well as some inquiries that did not belong to me which the company said experian needs to remove. But they refused to look into it because they do not send those alerts. I pay for credit monitoring for a reason
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

Hi, I need to dispute 3 transactions made with my debit card XXXX, I treid to call several times to the bank and is impossible to speak with someone due that the system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I made these 3 transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I bought 3 smartphones XXXX XXXX XXXX XXXX XXXX, the purchase were made in person at the store, but the shop didnt have it on stock at the same place for immediate delivery, So they will send by XXXX it to my house and I should get it no longer than XX/XX/XXXX. 
The shipment never arrived, also I never get a tracking number or shipment information. 
I tried to request that information several times from the merchant but they never answer my emails and phone calls. Also I couldnt go in person to the store because I moved to another city.
Consumer complaint received 2021-11-30
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. (PA)

I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... XXXXthey did not conduct proper investigations and are XXXX ME the consumer ....
Consumer complaint received 2018-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I contacted Wells Fargo via email about the amount of my mortgage payment which increased from {$1500.00} to {$1600.00}. I received a call from XXXX who said she would research what happen. I received a letter from Wells Fargo detailing my XXXX property taxes will be {$6000.00}. I also received letter directly from XXXX stating she would call me on XX/XX/XXXX to provide me with a response. I wrote a follow up email on XX/XX/XXXX stating my XXXX property taxes is actually {$4700.00} and not {$6000.00}. On XX/XX/XXXX, I called since I haven't received an update. The rep stated XXXX called me twice on XX/XX/XXXX. I answered my phone all day XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly spam calls since I did not know her number. So the rep said XXXX had sent me out a letter on XX/XX/XXXX with the resolution. As she read the letter it was the same information stating my property taxes is {$6000.00}. I asked the rep could this get escalated and she said she would contact XXXX and copy her manager. After thinking about last week and receiving no call back, I decided to file this complaint.
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

Received notice from current homeowners insurance carrier on XX/XX/24 that renewal payment had not been received.I contacted CMS ( Carrington Mortgage Services ) on XX/XX/24 as the premium is remitted by them annually to advise them of the matter.They stated payment was sent on XX/XX/24 for policy amount of XXXX, and it would take 24-48hr for tracing information.I again followed up on XX/XX/24 and was told there was no information yet regarding the check/payment.I followed up a third time on XX/XX/24 in which the representative claimed it would be 3-5 days.I informed him that is not what I was told and that the due date was only days away.I was advised to call back next day.I was informed on XX/XX/24 that they would resubmit payment via Credit Card or Overnight Service/Freight upon confirmation of payment lost/misplaced.I believe this company is intentionally misrepresenting payment information/status in order to cause policy to cancel for nonpayment by them.They have engaged in numerous deception practices over the past 10 years with numerous complaints from loan holders.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

Another 3rd party company name EOS CCA opening date XX/XX/XXXX attempt to collect a debt for XXXX company that has been closed since XXXX with no due amount on my record. Claiming on my XXXX and XXXX  credit report that it is a new account. That is fraudulent there are no new accounts. In XX/XX/XXXX another 3rd party attempted to claim their collecting a debt for XXXX company too. It was removed due to this being a fraudulent attempt to collect for XXXX company with no proof of account. When XXXX stated for the record there in no attempt to collect anything monetary in my name nor there trying to receive {$350.00} on a past bill. There was no brought accounts in my name from XXXX company. When I contacted XXXX company there is no account on the record for any past due collections.
Consumer complaint received 2019-10-28
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. (NY)

THE FOLLOWING ACCOUNT IS NEGATIVELY IMPACTING MY CREDIT 'S OVER-ALL HEALTH AS OF XX/XX/XXXX, WHEN THE ACCOUNT WAS FIRST OPENED.

THIS ACCOUNT WAS PAST DUE 60 DAYS AND HAS A BALANCE OF {$920.00}. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, I AM AT A STAND-STILL. NOW IT'S COME TO A POINT WHERE IT IS REALLY DIFFICULT TO OBTAIN ANY TYPE OF FULFILLMENT TOWARDS MY GOALS. THE FIRST ATTEMPT AT REMOVING THIS ACCOUNT WAS WHEN I FIRST SENT A DISPUTE LETTER ON : XX/XX/XXXX. SEVERAL OTHER ATTEMPTS WERE MADE AT REMOVING THE ACCOUNT AN D NOTHING WAS DONE ABOUT IT. I DEMAND TO KNOW WHY THIS ACCOUNT IS NEGATIVELY REFLECTING ON THERE STILL.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

This accompany has Closed/Written-off this account and now I face a agency that has no legal right to my information, nor has the right to charge interest. 
I ask that this agency to send statement owed, together original instrument of indebtedness in its original form. 
acou # XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (CA)

This is a medical debt from XX/XX/XXXX for {$290.00} according to National Recovery Agency XXXX XXXX XXXX in XXXX, PA. They falsely reported a {$290.00} debt to XXXX and XXXX in XX/XX/XXXX violating the Medical Debt Relief Act of XXXX and said they were going to ruin my credit score if I didnt pay them. This debt was already paid by health insurance back in XX/XX/XXXX. National Recovery Agency is trying to circumvent the law passed by Congress in regard to medical debt. This law was passed to protect consumers from this type of unscrupulous medical debt collection.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX XXXX I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 
I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Consumer complaint received 2021-11-30
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. (MA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Mr. Cooper Group Inc. (CA)

After receiving letters from XXXX XXXX and XXXX XXXX that her " loan payments '' for her reverse mortgage ( there were none ) should now be made to XXXX XXXX, my XXXX-year-old mother started sending her {$310.00} HUD loan payment ( which was serviced by a third company ) to XXXX in XX/XX/2017. She made another payment in XXXX before the third party notified her that she was past due. 

When we discovered what she had done, we contacted XXXX XXXX via its XXXX  number on XXXX XXXX and explained the issue to XXXX. She confirmed the facts and promised a check would be sent. 

When no check was sent by XXXX, we called again and spoke to XXXX on XXXX XXXX. He again confirmed the facts and promised to make sure a check would be sent. 

Not having received a check yet, we sent a demand letter to the only address XXXX provided on XXXX XXXX. 

And when the funds were still not returned, we call on XXXX XXXX to again try to resolve the issue. This time XXXX told us that it had " been too long '' and XXXX would not issue a check. 

We responded that the responsibility for delay was entirely XXXX 's and that it did not absolve them from returning the money sent to them in error. XXXX said we'd have to open an " investigation '' into the matter. With XXXX, who had simply failed to remit the funds in the first place. 

We told XXXX we would prefer to pursue this unethical behavior through other means. And here we are.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 has violated my rights. Or a list of inquiries : 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 2023-04-04
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

XXXX  / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$680.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc. (SC)

There is an account with debt collector Amcol Systems that should be removed from my credit report with all 3 credit reporting agencies ( XXXX, XXXX, XXXX ). This account has been paid in full and taken care of awhile back.
Consumer complaint received 2022-12-25
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. (MI)

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. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 Chapters View