davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MA)

I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OH)

Opened both a Spend and a Save account with XXXXXXXX XXXX through Credit Karma. 

My account has been frozen. I have made 4 calls to a customer service rep ( in XXXX? ) and they can not unfreeze the account. Customer service supervisor stated that I need to provide additional documentation to verify my identity. Yet, I've never received a request through email or regular mail for additional documentation. I don't think they can send me a request through regular mail, because like I said, I think they're in XXXX? 

I think this is a scam.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report TransUnion which you have provided. XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes. XXXX XXXX
Consumer complaint received 2022-10-07
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. (CA)

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 Account number # XXXXXXXX XXXX Account number # XXXX XXXX XXXX Account numbers # XXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of intormation Anv other adverse item of information, other than recoras or 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 know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (FL)

On this specific account XXXX XXXX  reports " Settled for less. '' XXXX  reports " legally paid in full for LESS than FULL Balance ''. XXXX  reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from XXXX  and XXXX  needs to be removed and XXXX  needs to show that the full balance was paid. 

Correspondence Log with MoneyLion : XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXX MST. Ticket ID XXXX Received response of dispute from MoneyLion ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min at XXXX MST. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Consumer complaint received 2020-05-08
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I recently received a copy of my Experian credit file where I noticed several issues I contacted the credit bureau and advised them of said errors however some of the disputed incorrect items are still appearing on my credit report ... all errors are listed below 1. Incorrect name appears on report I was previously the victim of IDENTITY stolen the person who used my information used the name XXXX XXXX my legal name is XXXX XXXX XXXX and Im have provided proof of legal name change I was allowed to change my name back to a previous name as the XXXX name was stolen ( presumably by previous family ) and also tied to XXXX XXXX for my safety I have requested that only the name XXXX XXXX XXXX be listed on my file any valid accounts would have the name XXXX XXXX XXXX 2. There is a bankruptcy listed in my public record section of credit report this is not my account ... I asked Experian to confirm the source of this information they state XXXX county courts however they have no record of this information and advised that they have not and do not report to Experian
Consumer complaint received 2022-09-21
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. (MO)

I have been disputing with the Credit bureaus for the correction of the Disputed erroneous accounts being reported on my Credit File, and yet the Credit Bureaus have done nothing! I sent a letter to the XXXX Credit Bureaus last XX/XX/2022, to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts 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 COMPLAINTs, and I'm including it again. Please have the following items fixed at the earliest possible time : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (MO)

I currently have a balance of approximately {$1000.00} on this prepaid card which includes my last two direct deposit paychecks. 

On XX/XX/2020 I discovered the account was locked and I was unable to access any information. I was also unable to withdraw money at an ATM or use my card at any retail store. 

I attempted to contact the company by phone but was unable to do so after waiting on " hold '' for more than 3 hours. 

On XX/XX/2020, I again attempted to contact the company by phone but was unable to do so. I am greatly concerned that I will not be able to meet my financial obligations for the month. I feel the company ( Bluebird by American Express ) has breached its fiduciary responsibility and I need a prompt resolution to this matter.
Consumer complaint received 2020-05-08
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)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (VA)

In XX/XX/year>, I filed disputes on accounts that are over XXXX XXXX XXXX. Nothing was done and no accounts are removed that follow my disputes. They were charged off. These accounts fell into this category was because of no longer able to be employed because of XXXX. 

I contacted each debt collector recorded in my Experian credit report. We planned payment arrangements and payments were made. XXXX account has XXXX more payments to be made to satisfy the balance on the account. 

I am requesting the Experian to investigate these payments and record the proper information on my credit report and make sure the remaining XXXX credit reporters are in informed with this information as well. 

I am presently going through a very difficult situation in my life, and I am trying to fix my credit report that I may be able to obtain a place to live. With my credit report, not being updated incorrectly reported I am homeless. 

Respectfully XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Credit Report Item TrueAccord ( XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute an inaccurate item that has been reported on my credit file concerning a debt with XXXX  XXXX XXXX XXXX by XXXX. I believe this issue is a result of an error and needs to be corrected promptly. I have attached supporting documentation for your review.

The details of the account are as follows : XXXX Account Number : [ XXXX ] Creditor : XXXX XXXX. 
Resolution Date : XX/XX/year> ( as indicated in the attached documentation from XXXX ) As outlined in the attached correspondence from XXXX, this debt was fully resolved, and I received confirmation that no balance is owed. Despite this, my credit report still reflects a negative charge-off for this account. The continued reporting of this debt as unresolved is inaccurate and unjustified.

I am requesting that the Consumer Financial Protection Bureau assist in having this negative information removed from my credit report, as it no longer applies. This correction should be reflected with all three major credit bureaus : XXXX, Experian, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to confirmation of the removal of this erroneous information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (GA)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX AUTO XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$610.00}
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc. (NY)

In XX/XX/XXXX, I received a letter stating I owed {$860.00} in debt to a credit card from XXXX. When I initially called the rep said he could not find who it was I owed, I called again and was informed of this debt. I don't remember this card, and I did go through some old documents in my home and I have no records of this card. The company is unable to prove to me I owe the debt stating the company is no longer in business. I feel as if I am being scammed and coerced into paying money.
Consumer complaint received 2023-04-05
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. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2020-05-08
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: Southwest Credit Systems, L.P. (PA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. SOUTHWEST CREDIT SYSTEMS {$240.00} SOUTHWEST CREDIT SYSTEMS {$690.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Consumer complaint received 2022-09-20
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

In XXXX of 2020 I moved into my new home at XXXX XXXX XXXX XXXX in XXXX. My new home was new construction and when I called XXXX to transfer service from XXXX XXXX XXXX XXXX XXXX advised that they did not have the infrastructure to provide service to the newly constructed home. The tech on the phone explained that since XXXX was not available yet in my new neighborhood their would be no termination fee. I subsequently took the XXXX equipment to the XXXX store in XXXX and the store tech re-confirmed that there would be no termination fee. I returned the equipment and paid my bill in full and got a receipt. 

Subsequently, I received a bill from XXXX for the equipment and termination. I called them multiple times to remove the charges. Nonetheless, the bill was sent to a collection agency last year. I disputed the bill and remitted the receipt for the equipment. It has now been placed with a different collection agency ( IC Systems ) and they are offering a settlement. I called and explained this and they refused to provide an email address or fax number for written communication. 

The bill is for {$400.00} and I have already lost more than that amount in the loss of productivity because of the time spent on the phone. 

I would like this resolved immediately so I am not threatened with negative impacts to my credit by this fraudulent behaviour.