davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (IL)

Alliance One sent a letter to me dated XXXX/XXXX/15 but I did not receive the letter by mail until XXXX/XXXX/15 which was past the 30 day time frame to dispute the debt. I did have an attorney sent a letter dated XXXX/XXXX/15 which I have a copy of the dispute, I never received anything for the company at all. I have a right to know that information if they want me to pay anything. The attorney advised me that Alliance One is suppose to send me something, the letter was dated XXXX/XXXX/15 but I did not receive by mail until the next month which is illegal. I checked the envelope and there is not a date on it, an attorney asked me that this company is known for doing things like this due to the number of complaints against this company, the amount shown on the bill is {$98.00}, therefore not likely for the company to take legal action against me. Even as of today, I did not receive the validation of debt which I am entitled to by law and this company ca n't mark my credit without sending the validation of debt to me. I could bet fired from my job if I have a collection item on my credit. Alliance One violated my rights when they knowlingly mailed out the letter after the 30 days which is against the law. The attorney I spoke with told me to file a complaint with the CFPB because this illegal not to send me the validation of debt after I requested it.
Consumer complaint received 2021-09-01
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. (MD)

I woke up to numerous accounts on my credit report that I have no connection to.I immediately called Transunion and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to Transunion, XXXX  and XXXX  via USPS. Transunion received my complaint on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ). Ive faxed XXXX  my complaint and none of these entities has remove the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this. XXXX  has even went as far as sending me a letter stating that pursuant to FCRA 605B ( c ), which is a very disrespectful and vague response being that they're not being specific to which subsection they are choosing to deny my demand pursuant to being that there's 3 different sections listed under that law. Furthermore, by providing such a vague answer they're not affording me a chance to rebut their statement directly. 
Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-04-03
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)

On XX/XX/XXXX, I contacted XXXX ( XXXX ) XXXX phone to have this loan not report on my consumer reports. They claimed they couldn't help me but according to LAW On my truth and lending DISCLOSURE, 15 US Code 6802b. I MUST have the opportunity to have any information not be disclosed on my consumer report. I WAS NOT GIVEN THIS OPPORTUNITY. As now it is XXXX and this is a detriment to my consumer report.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that WILLRUSH would verify the debt. So I took it upon myself to ask WILLRUSH for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (CA)

XX/XX/2018 @ XXXX I just got a voice mail from this Cmre Financial Services. They refused to verify their identity and kept trying to get private information. I should be able to give you the reference number and you tell me who has hired you to collect this money. I believe this is a scam and harassment at it's finest.
Consumer complaint received 2023-04-03
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. (IL)

XXXX XXXX XXXX  has been reporting false account balance information on my Equifax report for 2 reporting cycles and it has been interfering with my credit for a loan. XXXX XXXX XXXX  is reporting 100 % credit utilization when current statement shows 0 % credit utilization.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with TransUnion. TransUnion has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked TransUnion to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and TransUnion have failed to provide me proof that I authorized these inquires. TranUnion has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. I have sent Transunion multiple written request with documentation showing I did not authorize these companies to pull or view my credit. 

XXXX XXXX - XXXX XXXX, XXXX - XX/XX/XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 USC 1681.

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 2021-09-01
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (FL)

I was charged interest on the loan before receiving loan proceeds. The accrued interest caused a misstatement of the APR. I inquired and was told funds would arrive in a few days. Funds are by ACH ; regardless, they charged interest while holding my funds rather than waiting until they sent the funds.
Consumer complaint received 2017-08-13
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 (FL)

I called on XX/XX/XXXX to pay off the balance of my bank of america secure credit card. the balance at that moment was {$450.00}. They used my {$300.00} that I had initially paid as a secure deposit and the only amount that was due was {$150.00} I made this payment on XX/XX/XXXX and was told from the bank that it was going to take between 7 to 10 business days to the secure deposit been post on my account. I called at the beginning of XXXX just to follow up and make sure everything was as schedule and the agent that assist me told me that no one had requested to apply the {$300.00} secure deposit on my account. At that point I was very frustrated and requested to speak with a supervisor. This person told me that he was going to fix the issues and I did n't had to worry anymore. However due to their system I still need to wait the 7 to 10 business days for the money to be posted on the account. He specific told that the issue was going to be solve before the end of the billing cycle on XXXX. I went to check my account today ( XX/XX/XXXX ) and nothing has been done. I called AGAIN, and after several people, and having to explain one more time the whole situation again they told me that nothing has been done! I 'm beyond upset and frustrated at this point! How come a company this big as Bank of America treat his costumers like this? How come is so difficult to solve this issue? I can not understand. I work with costumer service for as long as I can remember and I never felt so insignificant. I feel they do n't care about me or my issue. For them I 'm just a number.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NE)

Attached is an account that I saw on all 3 of my credit report. And the debt has {$0.00} balance and according to statue of FCRA limitations this debt has expired and is unlawful to report.
Consumer complaint received 2022-07-20
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. (ND)

in accordance with the Fair Credit Reporting Act XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 2022-02-03
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. (CA)

I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted Transunion, XXXX, and XXXX.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card XXXX this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We became delinquent on our account about the time XXXX XXXX hit Florida, where we live. We attempted to find out the specifics of our account balance such as how much of the total balance consisted of late fees, finance charges, penalties, interest, etc. The creditor would not tell us the breakdown of the amount due and said they could not access that info. I found that hard to believe since they are in the business of extending credit to consumers.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian is reporting to XXXX that I owe XXXX under revoving accounts at XXXX % ... Experian own reports is correct at XXXX % but still reporting to MY Fico incorrectly ..it does hurt my score I have talked to XXXX different people at Experian and some other national ( whatever ) with NO good answer '
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MI)

In 2012, I disputed incorrect information that appeared on all three of my credit reports. Equifax conducted an investigation and removed the record from my report. The FCRA requires that Equifax , in this situation, contact the other bureaus and tell them to delete the information from my record. This was never done. About three years later, the deleted information was reinserted into my credit report.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (SC)

This is my 1st endeavor that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-20
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. (GA)

XXXX XXXX US DEPT . OF EDUCATIONXXXX n accordance with the Fair Credit Reporting act Convergent Account ''US DEPT. OF EDUCATION/XXXX  '', XXXX XXXX '' and 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 2021-05-24
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CT)

I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.
Consumer complaint received 2016-12-09
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (PA)

We had a Home Equity Line of Credit with XXXX XXXX. XXXX XXXX sold the loan to SLS - Specialized Loan Servicing LLC. The loan was to mature in XXXX 2016. We received a letter to that effect giving a 90 Day Notice. We contacted SLS to ask what needed to be done to apply for a Loan Modification. We filled out all required forms and sent all requested documentation dated XXXX/XXXX/2016. Time went by hearing nothing. Finally I phoned. SLS informed me I would be receiving a letter stating the missing documents they needed. I did receive the letter dated XXXX/XXXX/2016. It stated " Documents still required from you : '' Which was for " XXXX XXXX XXXX - Income Type - Income- Employed / Required Documentation - Paystubs XXXX OR- Paystubs and Tax/Returns/Tax Transcripts. '' The rest of the letter showed " Document Status : '' of which all the rest of the Documents submitted were shown to be " Complete '' under " Status '' column and under the " Next Step '' column was shown " No action needed ''. I faxed to them the requested documents ASAP. Time went by again, hearing nothing. I then phoned - again. They informed me they now needed more recent bank statements, of which were shown initially as " Complete '', Retirement - Proof of Receipt which was also shown in XXXX/XXXX/16 letter as " Complete '', and Social Security - Proof of Receipt, which was also shown in XXXX/XXXX/16 letter as " Complete ''. I again faxed this information to them XXXX/XXXX/2016. I continued to hear nothing. I phoned XXXX/XXXX/16. SLS again asked for Retirement information. I told them this was sent and I felt they were dragging this Loan Modification application out and someone did not know what they were doing. The SLS agent then informed me there was nothing they could do anyway because this loan is now " matured and due ''. I stated " what do you think I am doing all this paperwork for?! I am doing this because you people instructed me to complete the paperwork and send all documentation for the purpose of a Loan Modification because of a change in our financial situation and we are unable to pay the balance owed on this loan at this time. Therefore, at the time we received the 90 day notice, we contacted SLS to see what steps could be taken due to being unable to pay the balance because of a fire and financial changes to our lives. We feel there is something radically wrong here with this company in the way they are processing Loan Modifications. There is certainly something wrong in the way they are processing ours. I finally did some research and found there is complaint after complaint as well as a Class Action Suit in XXXX Can you please help us. We are Senior Citizens and do not know where else to turn to.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CT)

I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.