davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services was paid in full upon INITIAL notice DATED XX/XX/2022 of collection activity from XXXX XXXX for the amount of XXXX. I called on XX/XX/2022 and resolved the debt IN FULL and was told i resolved the matter timely and it would not be reported ... the outstanding amount was actually {$110.00} due to my previous arrangement with XXXX XXXX On XX/XX/2022, i recieved notification that my XXXX credit was falsley tagged with a collection account and today XX/XX/2022 XXXX  XXXX has been tagged with a collection account. This has all damage MY CREDIT! I expect tomorrow XXXX will also be hit with a collection. None of this activity should have EVER been reported and it needs to be removed ( DELETED ) immediatley!
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

A company claiming to be XXXX XXXX XXXX, contacted me. Very threatening when I called them back. This debt has been charged off.please see transcript of voicemail they left below ______ hi this is XXXX XXXX calling with the XXXX XXXX some of the vision inspector ______ trying to get in contact ___ _______ _____ XXXX XXXX XXXX proximity to XX/XX/XXXX XXXX years of age __ it's _______ calling to inform you that we received a ____ of action or today from the county clerk liaison 's office concerning a repeat of my compliance on the _____ as well as to from complaints being filed to get your name XXXX security number ending in XXXX at this time due to the XXXX XXXX not __________ they are asking that _____ documents __ be served ________ to your residence or placement appointment to have you sign for court appearance I just wanted to verify some information with you about ___ record before coming out but unfortunately I'm available um we will be making our way out shortly to a XXXX XXXX XXXX if you're not available we will have no choice but to try __ XXXX XXXX XXXX XXXX XXXX __ a place of employment if you're at your place appointment you possibly need _ witness from her supervisor or somebody from HR department in order to sign for your legal documents um if you have any questions or concerns you may contact ______ __ __________ at XXXX again that's XXXX when calling please refer to case number US as _ like United States XXXX XXXX XXXX XXXX call has been recorded document __ the show proof that ___ find a little _____ __ ___ leave _ notify today 's date XX/XX/XXXX XXXX you _____ XXXX XXXX XXXX _____ the XXXX
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I applied for a loan modification after my Covid forbearance ran out. I was sent a letter on the XXXX saying documents were missing. During the month it was in the review I received over 10 collection calls and not one told me documents were missing. Right after on the XXXX SLS ( Specialized Loan Servicing ) Saying THat I was denied for all options to keep my home and continue paying my mortgage. XXXX was done even though our COvid hardship has passed and My wife and I are working and willing to pay to keep our home. We just can't pay a year 's worth of payments in one shot. At no time did they offer any of the government waterfall options. How would I be able to reply and send documents if they sent a rejection on all fronts a day after asking for documents? Obviously, all they want to do is kick us out and not even give us an opportunity or respect the Covid programs given by the government. Please help us as we are being railroaded by an obviously crooked loan servicer.. 
Sincerely, XXXX XXXX.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-10-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} PORTFOLIO RECOVERY XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

After apply for a XXXX secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.
Consumer complaint received 2018-02-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

On XX/XX/2018 they contacted my previous roommate on his cell phone. I don't know how they get his phone number and who they are.they told him that they are debit collection company.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. Credit Bureaus have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Consumer complaint received 2019-08-24
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. (RI)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

On XX/XX/2021 I received a letter dated XX/XX/2021 from XXXX XXXX from XXXX XXXX in fact stating that there is no record that they show that I owe an alleged debt to said company. Procollect which is the third party debt collector is reporting on behalf of XXXX XXXX a negative account on my consumer credit report. All documents that have been sent to both parties are included in this compliant.
Consumer complaint received 2019-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I was paying a fellow gamer to assist in a game on XXXX  XXXX. I was promised assistance but when I forwarded the money he immediately booted me from the game and ignored all messages. Person will also not acknowledge emails. 

I initially paid {$25.00} which he returned and stated he needed it to be 25GBP. 

I resent and was then booted, soon to realize I had been scammed. 

PayPal states that since it was a friends and family transaction that it doesn't matter if I was scammed.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (GA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

Hello, I am writing to American Express to express my disappointment with a charge that occurred on XX/XX/2021 from XXXX XXXX XXXX  in the amount of {$99.00}. This was for a subscription that I had cancelled prior. 

From XX/XX/2021 to XX/XX/2021, I was abroad in XXXX and did not have my cell phone on me, as I was using a XXXX phone number. I did have my laptop but did not receive any email correspondence from American Express. 

According to my phone records, American Express called on XX/XX/2021 and XX/XX/2021 to inquire about the above fraudulent charge. American Express also sent a text message on XX/XX/2021 regarding the above fraudulent charge. 

After I got back from XXXX, for some reason, American Express had allowed this charge to go through without my express approval and without discussing with me. 

Subsequently, I was charged a late fee on XX/XX/2021 and additional interest charges.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2020-10-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (NY)

I co-signed for a XXXX XXXX for my uncle last year on XX/XX/XXXX and the vehicle got repossessed. It was his vehicle, and he no longer has the vehicle. He was the one missing the payments and I was only a co-signer. Now I am ineligible to apply for any auto loans even though it wasn't my vehicle nor me making the payments.
Consumer complaint received 2020-01-25
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. (NY)

INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX   Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank 's response to the attached CFPB complaint ( XXXX ) did NOT solve the issue at hand. 

Because they did not tell me that my letter was received, but needed additional information, another account appears to be closed. Comenity closed my Victoria 's Secret Card as a 'charge off '. Because Comenity was negligent in receiving, processing, and informing me that additional information was needed, they are responsible for the adverse account status. 

I have attempted MULTIPLE TIMES to provide them with the letter they needed to remove the cease and desist notation on my accounts. I have called MULTIPLE TIMES and not once did anyone mention that my letter was received, but they needed additional information. 

PLEASE SEE THE ATTACHED LETTER NEEDED TO RESOLVE THESE ACCOUNTS. My phone number is on the letter. I will not be writing another letter to Comenity Bank.
Consumer complaint received 2018-02-09
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. (TX)

CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE / TOO MANY INQUIRIES ON THE CREDIT REPORT.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

bank of america card #: XXXX XXXX XXXXA purchase was made online for rental car insurance for the amount of XXXX.  The coverage was canceled by me, and an email was sent to me from the providor of the services that a credit would be applied to my account.The refund policy as explained on the sales order, is that refunds will be processed in full as long as it is canceled before date and time of service, which can be seen in the sales order and email.Bank of America is refusing to further pursue the claim stating I do not have a valid credit slip from the merchant.I have supplied them with a copy of the email stating the cancellation with credit, the return policy etc..  They refuse to issue me a credit