davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (FL)

I had credit card fraud. You fit called abt my payment. I told the girl i wanted to cancel bc 1. They are taking more money then contracted for without my auth 2. They changed gym. I had abt 4 more ppl call. I told them all same. 5. They all said ok. They all had obligation to advise me if it needed to be in writing. Despite that they all said ok. They turned over to collections. Not only did i advise that gym breached contract by charging me almost {$13.00} when my contract was for 10, they can not use a contract they voided by not complying but they also had an obligation to advise me they needed in writing rather than agree to the cancellation by saying ok. Further they owed me almost XXXX $ a month for i believe XXXX or 4 years. The belligerent collector than sends me a copy of an unsigned/undated contract, which has no mention of the what the monthly monetary amts are, and very different from the signed contract i found in my files. They are all committing fraud in an attempt to collect on monies that are not due.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX
Consumer complaint received 2022-09-08
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. (GA)

A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the HAF program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the National Credit Union Association website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later. 
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and XXXX.
Consumer complaint received 2023-01-26
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. (CA)

I applied for a rental application on XX/XX/2023 ordered by XXXX XXXX XXXX XXXX. The reporting property involved was XXXX XXXX XXXX who retrieved my credit report from Experian. I currently have a membership with Experian that provides me with up-to-date XXXX score monitoring and notifies me of changes to my credit report. However, the XXXX score Experian provided XXXX XXXX XXXXXXXX showed a major discrepancy in my XXXX score, which was XXXX points lower than my current and accurate XXXX score to date. Additionally, my date of birth was inaccurate. This major discrepancy reduced my chances for the approval of my rental application. Consequently, I was placed on a contingent approval rather than a direct approval. Furthermore, the discrepancy resulted in a higher security deposit. I consistently use Experians service to monitor my credit score and changes to my credit. I am truly disappointed in how this major discrepancy negatively affected my life.
Consumer complaint received 2022-08-12
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. (FL)

This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a XX/XX/2022 but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2023-01-26
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. (TX)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (CO)

TO WAYPOINT RESOURCE GROUP. YOU HAVE REPORTED A COLLECTION ON MY CREDIT REPORT THAT IS UKNOWN AND UNVERIFIED. IT IS SHOWING A BALANCE {$350.00}. SINCE IT HAS NOT BEEN VALIDATED, VERIFIED AND JUST PLACED ON MY CONSUMER REPORT LIKE THIS, YOU HAVE VIOLATED SEVERLA LAWS. YOU ARE IN VIOLATION OF FCRA AND THE FDCPA LAWS AT THE SAME TIME. YOU HAVE 1 DAY TO REMOVE THIS ACCOUNT WHEN I SEND THIS THROUGH THE CFPB, OR I WILL BE SEEKING XXXX PER VIOLATION. I AM ALSO GOING TO SEND ANOTHER COMPAINT SEEKING FOR DAMAGES THROUTH THIS PORTAL. AND I WILL BE SEEKING COMPENSATION FOR IT BEING REPORTED ON MY CONSUMER REPORT. PLEASE SEND ME A CHECK FOR {$1000.00} TO THE ADDRESS LISTED AND IN MY NAME. IF YOU DO NOT SEND ME MY CHECK AND KEEP REPORTING THE ACCOUNT AFTER XX/XX/year>. I WILL BE SEEKING FOR DAMAGES FOR MORE COMPENSATION THAN THE {$1000.00} THAT WAS REQUESTED. YOUR COMPANY WAYPOITNT WILL PROPTLY SEND MY CHECK WITHIN 2 WEEKS FROM TODAY AND DELETE THE ACCOUNT. IF I DO NOT GET AN ANSWER THE DAY YOU RECIEVE THIS ON THE DELETION AND THE CHECK I WILL PROCEED WITH ACTION FOR MY REMEDY. IF YOU ARE COLLECTING FOR SOMEONE ILL BE TAKING LEGAL ACTION AGAINST WAYPOINT RESOURCE BECAUSE YOU ARE THE ONE THAT IS REPORTING THE ACCOUNT ON MY CREDIT REPORT.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Waypoint Resource Group, LLC (NY)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXXXXXX ), a debt collector that is reporting a debt of {$220.00} to my XXXX credit report. 

This debt can not be verified, as every time I call XXXX to inquire about it, they have told me they would remove it from my credit report but have never followed through with that promise. The last time I spoke with a representative, they requested that I send them a copy of my credit report. This request is highly unusual and concerning, as XXXX is the one reporting this debt to the credit bureaus, and they should be the ones verifying its accuracy, not me. 

Additionally, I noticed that another debt collector, XXXX XXXX XXXX XXXX XXXXXXXX ), is also reporting the same debt with a balance of {$220.00} on XXXX, XXXX XXXX and XXXX XXXX which appears to be double reporting. I am unsure what this debt is for, and I have not received any documentation or paperwork pertaining to this debt they claim I owe.
Consumer complaint received 2022-09-23
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. (CA)

XXXX, Transunion, XXXX has refused to remove a Fraulent account XXXX XXXX XXXX. I have previously submitted fraud reports ... im asking this account. r removed immediately under The Fair Crwdit Reporting act
Consumer complaint received 2022-08-02
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. (OH)

I sent a letter on XX/XX/2022 to remove these accounts which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$50.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Consumer complaint received 2022-06-07
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my XXXX Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the BK was filed. The account had already been closed.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NJ)

I XXXX XXXX am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against American Profit Recovery regarding a debt purportedly owed to XXXX XXXX. I recently reviewed my credit report and noticed that American Profit Recovery is reporting this debt. However, I have never received any documentation to validate the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
According to the FDCPA, a consumer has the right to request validation of a debt, and debt collectors are obligated to cease collection activities until they provide proper validation. Failure to provide this documentation constitutes a violation of federal law. To date, American Profit Recovery has failed to fulfill this obligation. 
Due to the lack of documentation confirming the validity of this debt, I request the following actions : 1. Cease Reporting the Debt to Credit Reporting Agencies : Since the debt has not been validated, American Profit Recovery must remove any references to this account from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Provide Proper Validation : If American Profit Recovery wishes to continue pursuing this debt, they must provide a detailed validation, including : o The original agreement or contract with Spring Green. 
o An itemized statement of the alleged debt. 
o Proof that American Profit Recovery has the authority to collect this debt. 
I expect American Profit Recovery to address this matter promptly and in compliance with the law. Should American Profit Recovery fail to comply, I am prepared to escalate this complaint further.
Consumer complaint received 2023-01-26
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. (LA)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-06-07
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)

My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay. 

This is being reported on my my XXXX XXXX XXXX 's account as well as my XXXX XXXX XXXX Account
Consumer complaint received 2022-06-07
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. (LA)

I received a copy of my credit report and noticed a few accounts that are 100 percent not accurate. I was unaware of the consumer Burea and other companies reporting fraudulent accounts on my report. I did not authorize or give written consent by law. FCRA states that I can challenge this by law. 15 USC sec 1681i ( a ) They have not provided any proof to me. this is fraud. I have requested 100 proof with my wet ink signature and they did not provide or respond to the allegations that they have in my file.
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT XXXX XXXX {$1300.00} - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX XXXX Date Updated : XX/XX/2022 High Balance : {$1300.00} Original Creditor : XXXX Past XXXX : {$1300.00} Pay Status>Collection< Estimated month and year this item will be removedXXXX  Remarks>PLACED FOR XXXX
Consumer complaint received 2022-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (NJ)

This company good leap offered me that I would get a XXXX dollar rebate if I got the solar system. Also, they told me I was going to pay less money on my electric bill, and I'm spending the same money every month. What I have now is XXXX on my credit for no reason. Everything they sold me was a big joke. This happens around XX/XX/2021. 
Thank you, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-12-04
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (GA)

I have asked them to stop contacting me about the charges and that they were not mine and that I received a XXXX router that I never ordered and I never even used and that I have given the equipment back cause I never even asked for it
Consumer complaint received 2022-09-22
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: DISCOVER BANK (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : DISCOVER FIN SVCS LLC  XXXX Date Opened:XXXX  Balance : {$29.00}
Consumer complaint received 2022-09-21
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. 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, has violated my rights 15 USC 1681 Sections 602 A States I have 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 instruction 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.