davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (FL)

On XX/XX/2021 Plaintiff XXXX XXXX took me to court due an alleged debt, I assisted to the online hearing, The communication wasn't right and I could hear the participants but they couldn't hear me, The hearing ended and i was not able to confirm alleged debt. I was scared i was going to jail for an alleged debt I don't recognized so I called the collection company and they use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
The false representation or implication that documents are legal process. So hearing all of that I got involved in a payment plan to pay the alleged debt. Later I find out that they committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt. 15 U.S. Code Sec ( d ) Legal Pleadings.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations. 

I disputed Their alleged debt and also another alleged debt which they are taking me to court on XX/XX/2021 at XXXX : XXXX, On XX/XX/2021 Tracking # XXXX XXXX XXXX XXXX XXXX, Tracking # XXXX XXXX XXXX XXXX XXXX They received a letter from me requesting validation. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I asked them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

They have not responded yet.
Consumer complaint received 2019-01-11
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. (NY)

I had 2 accounts with XXXX which reported as closed by consumer suddenly Experian changed it to close by the grantor. When you look on the same day Experian report from yesterday one shows closed by grantor while the other does not show that statement. ABSURD!
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been discovered that the company has been engaging in deceptive marketing practices. I have worked with XXXX XXXX from XXXX to resolve this and other issues stemming from this deceptive practices.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (SC)

I filed a dispute on XX/XX/18 and XX/XX/18. They both stated that the information reported to them was accurate but I submitted checks that were written and cashed by the company during that time that were not updated on the report. I also sent confirmation of the original creditor never sending me to collections. They also had the wrong payment dates and amounts. Nothing has been done.
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (GA)

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 2022-03-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Action Collection Service (WA)

Received letter XX/XX/2022 in the mail with name of company clearly printed on envelope stating they were a collection agency. Per the fdcpa, this is implying the presence of a debt with anyone besides the debtor. This is a violation.
Consumer complaint received 2020-11-26
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: Experian Information Solutions Inc. (FL)

My Complaint, is based on Experian not verifying an alleged bankruptcy that continues to stay on my Credit Report XXXX with their bureau. I contacted them online XX/XX/2020, they responded XX/XX/2020 stating the item is Certified to Experian. The Bankruptcy is not accurate and I was quite upset as this was an automated response. 
On XX/XX/2020 I requested from Experian a re-investigation of how their Bureau came to have this erroneous data on my report, per FCRA 611 ( a ) ( 6 ) and ( 7 ). I asked them to provide the person, address and telephone number of each Court official contacted regarding the alleged record. Also the Court that Validated the information, and the EXACT address. I also requested any documents from the Court regarding their initial investigation in my Experian report # XXXX. My request allowed them 15 days to complete their RE-Investigation as FCRA states. I requested in the absence of Documentation they immediately expunge the inaccurate record permanently from my record under XXXX. I received NO response so on XX/XX/2020 I wrote them requesting they immediately remove the Bankruptcy as they violated federal law by not doing so. I am uploading a letter from the Courthouse stating they do not verify BK filings with CRA 's, also my return receipt documents that show the company received my XX/XX/2020 letter on XX/XX/2020, also my 3rd letter XX/XX/2020, which Experian received on XX/XX/2020. I also enclosed a suppression letter, a security freeze from XXXX on XX/XX/2020 due to dark web activity on my accounts, and credit report requests by various banks in XXXX I did not authorize. Its very disheartening how Experian continues to verify inaccuracies on my report, and not respond in a certain timeframe that the FCRA allows them. My frustration is why I am making this complaint to the CFPB. Experian is NOT contacting the Court or any 3RD party data furnisher, just continuing to keep unverifiable items on my report. I appreciate any enforcement you can perform on my behalf to get this inaccurate information off my report quickly. I will upload my documents so you can see how I have attempted to resolve this wrong information many times, in a professional manner. 
Thank you very much. 
XXXX XXXX
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (PA)

on XX/XX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2021-09-21
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. (NV)

Back in XX/XX/2021 I increased my credit card limit. Transunion continues to report outdated information from XX/XX/2021. Every other month they drop my score between 30-45 points claiming that my credit limit has decreased and the next month they report an increase and raise the score, only to go back to XXXX report the next month and drop my score again! I have filed numerous disputes and spent hours on the phone with XXXX XXXX, Transunion, and my credit card company trying to get this resolved since I am trying to fix my credit and purchase a home. Transunion continues to blame the issue on my credit card company, except that all the other credit bureaus are reporting accurate information, so its clearly transunions issue.
Consumer complaint received 2021-06-16
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. (AL)

The creditors and credit bureaus are getting away with XXXX  people. The problem is and has always been with the reporting they do. During the 2020 pandemic the creditors and bureaus should have had a freeze on how they report. Take my situation for instance. Creditors started closing credit cards that were in good standing and causing my score to drop. This should not be the case if my cards are in good standing. If they are going to close a card that is paid off or in good standing for none use it should not affect my credit scores. Someone has to put a stop to this madness. How can the government make them change their policies that are hurting hard working American 's? In short, if an account is closed due to not paying etc. this should affect the individual, but if a person pays their bills and the account is good then a company 's option to close the account should not affect the individual. This double edge sword has to be stopped. Protect the little credit people are holding on too. I am so stressed because I'm doing my part and paying my bills and still my score is getting hammered. I will be the working homeless because no mortgage company will ever give me a loan with a pitiful score. Thank you for reading my struggling pain.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of XXXX data breach. I want to delete all unknown and inaccurate account or I will file litigation.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the XXXX Credit Bureaus 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (CA)

I have been disputing an account that is reporting incorrectly on my credit report since XXXX of XXXX. I understand that due to COVID, there were delays in receiving responses from the credit reporting agencies and creditors, but at this point there is no reason as to why the paid OneMain Financial charge-off is still reporting inaccurately. 

On XX/XX/XXXX, I received a letter from OneMain stating they have requested that the credit reporting agencies make the necessary corrections to my account.

For example, the last payment date, payment history, and high credit limit are not reporting correctly. This inaccuracy was confirmed by OneMain.

I was advised by OneMain to allow up to 30 days for my credit report to reflect the update of this information. I just reviewed my credit report, 7 months later, and the errors are still there!

My most recent letter to OneMain was sent on XX/XX/XXXX, and to date I have not received a response. 

It is clear that they do not maintain reasonable procedures to ensure the accuracy of consumer reports.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (NC)

Bb & t has charged me since XXXX  every XXXX {$14.00} for a service I do not use. 

XXXX XXXX XXXX XXXX managed by Bb & t, tried to contact XXXX XXXX several times, went to their branches personally and no one seems to know how to stop those charges from my business checking account for XXXX XXXX XXXX. 

I do not use or have XXXX, BB & T is short on staff and they either they dont have the time or desire to assist customers.
Consumer complaint received 2022-07-20
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. (MI)

Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  XXXX ( Finance ) XX/XX/XXXX CAPITAL XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is currently showing 30 days late for the month of XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2020-11-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX acknowledged that there is no delinquent account connected to my Name, SSN, phone number, or address. The collection agency tried to verify the account with incompetent information such as an Email Address incorrect phone number and incorrect address. The information they are using to verify this account is incorrect. Ive provided my conversation with a sprint agent. They ran my name and SSN concluded that theres no account that is past due or delinquent. The Original creditor themselves confirmed that there is no debt owed therefor the collection needs to be removed.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a bankruptcy on my XXXX report and Transunion report that belongs to my father. I would like this to be removed. It has been removed from my XXXX report.
Consumer complaint received 2021-09-21
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. (MS)

I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX '' every month since XX/XX/2019
Consumer complaint received 2021-09-21
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: National Credit Systems,Inc. (AL)

I was a resident at the community regency gates From XXXX. I was not in a lease and I was paying month to month, I left the community in XX/XX/2018. Shortly months later in XX/XX/XXXX I get an alert from merchant adjuster out of XXXX stating I had a balance from my former apartment complex. I then called the apartment complex within the second week of XXXX and spoke with someone by the name of XXXX I believe. I asked why was I being charged these fees? She advised me it was for the time it took them to find an occupant for my apartment. I then advised her how was that so when I wasnt in a lease? I advised XXXX that the prior manager XXXX ( who is no longer employed there ) told me that I would not need to submit any notice prior to moving out due to me being month to month and not in a lease. I advised XXXX this was told to me verbally over a phone call in early spring of XX/XX/XXXX. I was not evicted, I was not let out of anything. I simply saw a new community that I wanted to live in and moved. This issue seems to come from the community itself and their miscommunication. The problem is that I moved out in the middle of a management swop and something had to be handled improperly. Over the past 2 years almost 3 I have sent in many disputes to the current collection agency as to this account being false and still to this day as I write this misinformation still stands. I am trying to by a home for me and a XXXX XXXX child and this account is not ok to have on my credit and is completely false. I need this fixed and rectified quickly and swiftly.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

To Whom it may concern, My name is XXXX XXXX and I have been the victim of a fraudulent landlord. I have been in contact with this landlord since he reached out to me from a rental website ( XXXX ) as I was looking to move into his home in XXXX XXXX. The landlords name is XXXX XXXX, who checks out as a certified agent after doing research on him. After applying to his home, he reached out to me asking why I was interested and followed up with other general questions agents and landlord tend to ask tenants. To summarize, we built good rapport and i continued with the application process. A week later, he emails me the good news that I have been approved and i just need to wire him the security deposit, first months rent, and last months rent. All which i did through XXXX and XXXX. He then tells me the keys will be expedited to my current address by the next day. Well, the next day comes and he is unresponsive. Not only do i not receive any updates from him but the keys never come. I instantly drive out to the property and the current tenant there knows nothing of a XXXX XXXX. Please help me, I have spent most of what i have in this transaction hoping to obtain this house. Only to be left with nothing.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.