davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I recently reviewed my credit report from XXXX, XXXX XXXX. Unfortunately, I saw that you have recently began to report me 30 days late on this account on XX/XX/2022. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA I contacted JEFFERSON CAPITAL regarding this debit and that I don't owe this and had a very default time..

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a consumer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the consumer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in Lending Act.

Reporting inaccurate information is also a violation of the FCRA.

I first contacted the above mentioned consumer reporting agency about the mistake. They sent me a letter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/2022, The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times Twice by never notifying me and once for reporting inaccurate information. I could surely use the {$30000.00} bucks since the interest rates on my other credit cards raised due to you error, not to mention the priceless cost of my time writing these letters.

PEASE SEE ATTACH DOCUMENTS
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc. (MO)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2020-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IL)

Below is information that the sender provided in this email message that I am here complaining about : Fw : [ Daily Report ] [ New Update Result ] Latest Reminder - About your account login from, XXXX, Account report sent to your [ XXXX # ] On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : Subject : [ Daily Report ] [ New Update Result ] Latest Reminder - About your account login from, XXXX, Account report sent to your [ XXXX # ] On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received an email supposedly regarding a " Paypal '' account using my name. The information re : the sender is above ... .having removed my name on it ( as was suggested by your reporting information ). It seems like a scam attempt/phishing attempt by some fraudulent actor to get information of mine for their benefit, either immediate or in building an even more effective scam attempt in the future. 

I am unsure if this report to you is the correct procedure to mitigate the kind of online fraud attempt ... .Please redirect me if there is a better US government office to make this report to. Thank you ... 

Mr. XXXX XXXX XXXX XXXX Il. ( XXXXXX/XX/XXXX )
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VYSTAR CREDIT UNION (GA)

XXXX added a fraudulent address to my credit report that had already been reported and removed for fraud. XXXX is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on XXXX behalf. 

XXXX stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NY)

So I was renting an apartment from XXXX XXXX XXXX but seen that I couldnt afford it anymore. I move out XX/XX/XXXX XXXX the least it said I would get a free month rent so I didnt pay for XXXX and then when I move out I was contacted by the collections company saying I owe two months rent. and now its on my credit report hurting it bad.
Consumer complaint received 2022-11-15
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. (CA)

On XX/XX/2022, I sent a letter to the three credit bureaus asking for an investigation, verification, and updating of these suspicious accounts. Because I firmly believe that the Credit Bureaus willfully violated FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, I will take legal action against the three Credit Bureaus. I had included these accounts in my complaint from XX/XX/2022, and I'm submitting them again. the accounts listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX XXXX XXXX : {$0.00} ; these account information on my credit file has to be updated to reflect the current balance.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

I submitted a dispute to Experian concerning my credit information that should be deleted and it continues to stay on my credit report. XXXX is a collection agency that is on my report from the original creditor XXXX XXXX # XXXX whom has sent me documentation addressing my account which has a zero balance ; I forwarded this information to Experian and they continue to still report this on my report. Another issue is XXXX XXXX and XXXX XXXX are old accounts that should not be on my credit report. The other XXXX credit agencies have removed XXXX, XXXX XXXX and XXXX XXXX but I seem to running into a brick wall when it comes to Experian.
Consumer complaint received 2017-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial (WA)

I got a loan via an online website with Spot loan back in I believe   XXXX  . I made my payments regularly until I changed jobs and I fell behind. I fell behind one payment and the company debited my account despite me reaching out and telling them I did n't have funds to cover. The debit was sent back because I had no overdraft on my account. They continued to debit my account several times. Eventually my bank closed my account because of it. I tried to talk to bank and tried to talk to  Spot loan. Eventually spot loan decided to start sending me nasty emails calling me a " thief '' and telling me " You s tole my money ''. Very odd from a business. I ceased contact after the emails became abusive and it was clear I was n't getting anywhere.     I recently got a call from someone who called themselves an attorney stating " I have a client who says you stopped payment on their loan and effectively stole their money, my job is to recover the loan - fees - my fees and costs ''. I explained all noted above and he stated he was n't taking the case. I now get calls up to 5 times a day from this person claiming to be an attorney. I am being threatened to be taken to jail, told I am to pay thousands back, they are interfering with my new job. Etc.     This company 's tactics were abusive from day one of a missed payment and have continued since. This is not professional, nor legal. I wish to request my rights in this be upheld.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Hello, PayPal team, I am the account holder of " XXXX '', because my email was used by hackers and permanently disabled, and my mobile phone number bound to PayPal has also expired, so I can not use PayPal services, I have contacted PayPal experts many times and the problem has not been solved, which has caused great trouble to my life, please help me
Consumer complaint received 2020-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

Equifax has XXXX  up my acccount since the data breach. I have not been able to access my account even though I have filled out and submitted their form to prove my identity several years ago. I am trying to do a VAIRRL refinance on my existing VA mortgage. The VA requires that the bank have access to all three credit bureaus. Since I can't give them access ( all three are frozen ) they can not process the loan. I have tried for years to straighten out this problem to no avail.
Consumer complaint received 2016-09-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Recovery Corporation (CA)

A collection agency, pretending to be a medical clinic, mailed a bill for {$440.00} two months AFTER my insurance company had already settled the bill. 

There was no date of service stated on the bill There was no type of service stated on the bill The bill was titled " 1st Notice '' to make it look as if it was in collections. 

The company has since admitted that it is a collection agency working on behalf of a medical clinic to collect payment for services. 

I am a senior citizen and if I were not able to contact my insurance carrier, I would have no method of sorting out the details of this billing error.
Consumer complaint received 2015-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My loan was sold from Indymac to Ocwen in XX/XX/XXXX. My monthly payment went from {$4100.00} to {$4100.00}. I understand impounds, and realize they adjust with insurance and prop.taxes. This year I received and increase of {$230.00} a month. That is {$2800.00} a year! When I requested an analysis of my escrow acct. I see a double charge for Home Owner insurance, XXXX in XXXX and XXXX in XXXX. I changed H.O. Ins.a as of XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX I spoke to XXXX ( Ocwen ID XXXX ). She agreed there was a need to go to loan serving to address the issue. I requested a breakdown of the account and to correct the issue. I called again XX/XX/XXXX and spoke to XXXX ( ID XXXX ) He said they did there checking and the increase stands. I have not received an satisfactory explanation or someone who can explain to me how this can be the case when my policy only went up {$620.00} for the year I called XXXX to verify, that the annual policy was {$2300.00}, from XXXX XX/XX/XXXX. I canceled the policy on XX/XX/XXXX, and received a refund of {$450.00} from XXXX. This is because Ocwen was only sending monthly payments of {$140.00} per month. Did Ocwen not credit me for the policy I paid them for? Can you help me??
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, My compliant is with the TransUnion Credit Reporting Agency. I have disputed many times and IRS sent a IRS Tax Lien Withdrawal Notification to all XXXX credit reporting agency to remove a federal tax lien dated XXXX/XXXX/2010. Please I need your help to make TransUnion comply with federal regulations. Also, TransUnion should be investigated because they seem to understand that the 10 years a tax lien reporting requirement is from the date the tax lien is paid, which is incorrect. The 10 years a tax lien may report on a consumers credit bureau is 10 years from date filed. This is undoubtedly affecting millions of consumers who do n't understand the Fair Credit Reporting Act. Thank you, XXXX
Consumer complaint received 2015-07-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. They turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Transunion seems to want to listen to me. The worst part is that BOTH companies are listing 120+ days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Transunion to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.
Consumer complaint received 2017-05-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX/XXXX/2017 I disputed some items on my credit report. I asked all three credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all three saying it was verified.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have repeatedly disputed and disputed with XXXX regarding negative hard feelings inquiries should be deleted from my report as well as with Transunion but I feel like no matter what I do they are ignoring me regarding my credit report.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account TransUnion XXXX XXXX XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I used the bank 's electronic bill pay service to pay my rent. 

According to my landlord, the rent payments were not delivered on time and the landlord assessed late fees. 

The bank has not resolved this issue or reimbursed the late fees.
Consumer complaint received 2022-11-15
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. (VA)

I submitted a letter to the 3 Credit Bureaus to correct or delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Both of the credit bureaus don't allow me to get my once a year free credit report. They state they can not provide the report online and advise me to request via mail to the addresses below. I send the letetrs and they do not respond nor send me the report. 

Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have previously disputed the XXXX claim of a sum owed. I have provided XXXX with a copy of the receipt for returned equipment. There has been no response from XXXX, but this claim remains on my report, causing me to be denied credit. It is as best I can determine the sole blemish in my credit report. I wrote on XXXX XXXX, XXXX, when I still lived in XXXX, Virginia, to the XXXX XXXX Department of XXXX XXXX and XXXX XXXX to describe in detail my difficulties with XXXX. On XXXX XXXX, XXXX, I wrote to XXXX collection agencies, XXXX XXXX , XXXX and XXXX XXXX XXXX, to dispute XXXX 's claim. I also wrote to XXXX on this date, with copies to each of the XXXX credit reporting agencies. I wrote again on XXXX XXXX, XXXX, to another credit collection agency, XXXX, to dispute XXXX 's claim. In each of these letters I disputed XXXX 's claim and asked that its complaint be discontinued. I received no replies from any of the credit agencies, or from the collection agencies, or from XXXX.
Consumer complaint received 2022-11-14
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: MECHANICS BANK (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-04-20
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: Innovis (CT)

inquiry on my credit that causing and issue. It wasn't verify it was me. the XXXX  inquiry on XX/XX/2020 and XX/XX/2020 or not verify it me. well I have and account with XXXX  and the inquiry on XX/XX/2020 is mine and it was verify. 
the XXXX and dervese inquiry is not mine. please remove