davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (PA)

American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Representing XXXX XXXX XXXX Has a charge off that states Highest Balance as {$220.00} But Shows Status Other as {$290.00} Total. I've ask what is the {$290.00} And I wanted a copy of the Original Bill. As of this date XX/XX/22 I've not been satisfied in either case. 
XXXX Does Not have the Original Bill!! Can I please get some satisfaction In this matter??
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2022-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

I placed an order for landline phone service in XXXX of 2021 and was told by the representative that this was a service offered. At the time I started a work from home position that required landline only phone service. I was very clear that it had to be landline not XXXX XXXX XXXX XXXX ( XXXX ). The appointment was made for installation and what I expected to be a lengthy visit with an installer coming inside to look at my indoor phone outlet ended up being a notice from XXXX stating that services were on and they then provided me with a working number. I called the representative to try to understand why they did not need to come inside for a landline installation and was then told that I was sent an order for XXXX. I again explained that I needed an actual landline phone at which time they rescheduled another appointment for the correct install. The next install came out and I was advised that they do not offer landline services and it was done through another company. They were not able to connect me with anyone and no one ever connected landline services. The services they did install was never used. I ended up calling XXXX business to setup the landline services needed. I have spoke to them directly and also disputed through all three bureaus. I have asked what I am being charged for and have yet to get an answer. This is now showing as a collections account on my credit and has affected me greatly. I didn't receive the services I ordered and I never used the services that were given. I cancelled immediately and was told that I owed nothing.
Consumer complaint received 2022-06-25
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. (OH)

I requested all bureaus do an investigation on the account I have listed below. 

According to the FCRA, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX and Experian stated my account was accurate/updated ( pages XXXX attached document ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing/highlighting the inaccuracies ( pages XXXX attached document ). 

Account : XXXX : XXXX ( XXXX ), XXXX ( Experian ) Also, In accordance with the Fair Credit Reporting Act, 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2022-01-12
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I filed a dispute with XXXX regarding an old collection account that they ( XXXX ) are still reporting on my credit and/or consumer report. They are reporting a collection account, from XXXX, on my credit report ; and furthermore the address on file for this account is not mine. So, these are two reasons why this shouldn't be on my report. ( 1 ) It's beyond the statute of limitations, and ( 2 ) it's using my personal information while utilizing an address that's not mine which is FRAUD. 
On XX/XX/XXXX, XXXX notified me that the collection account was not removed because the company who reported it had certified to XXXX that the information is accurate. 
Please, instruct all credit reporting bureaus and/or agencies to cease reporting all fraudulent information about me at once, as they are all in violation of multiple provisions of the FDCPA and FCRA. 
Please respond at your earliest convenience. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

Received a collection letter in the mail from Debt Recovery Solutions , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) dated XX/XX/2023. After receiving the letter on XX/XX/XXXX, In the letter, it stated a due date of XX/XX/2023 PLUS A DISCOUNT OFFER to settle the debt. ( See attached document ) I filed a report on their website on XX/XX/2023, stating that the loan in question was not mine and had been taken out using my XXXX identity information. The address used and bank deposited to were both in Utah. The loan originator had already determined the debt was not mine through documents submitted three or four years ago. I was never contacted again by the originator, XXXX XXXX XXXX nor current creditor, XXXX XXXX, XXXX, before DRS sent the debt collection letter last week. 

I received a response from XXXX XXXX, XXXX, Vice President of Client Services for DRS on via email on XX/XX/2023, stating " We are in receipt of your email. We will request supporting documentation to be sent to you for your review. '' ( see screenshot attached ) Today, XX/XX/2023, DRS submitted notice of collection to the major credit bureaus. DRS and I were working through a good-faith dispute that certainly had no time to be resolved and they should not have reported this collection. 

I am confident that the original documents will prove that the debt was taken out without my knowledge by parties unknown to me. The bad-faith tactics employed by DRS should not be legal and collection removed from my credit reports.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.
Consumer complaint received 2022-04-24
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. (IL)

I sent letter to Transunion received XX/XX/XXXX on validating there data furnisher for this erroneous unverified invalidate bankruptcy being reported on my credit report. XXXX responded XX/XX/XXXX that the bankruptcy was verified as accurate by the data furnisher XXXX XXXX XXXX XXXX. I responded with a letter stating there method of validation was invalid and to please correct there error, letter received by XXXX XX/XX/XXXX and responded with file # XXXX dated XX/XX/XXXX once again the data furnisher is the bankruptcy courts. I sent XXXX  another letter to advised they are in violation of 15 US code 1681 for invalidated inaccurate credit information letter received XX/XX/XXXX. XXXX responded letter dated XX/XX/XXXX data furnisher is the bankruptcy court. I have enclosed 2 letters to verify XXXX falsely stated an erroneous bankruptcy on my credit report and have yet to remove it. The letters was received from the court dated XX/XX/XXXX and again XX/XX/XXXX. The Bankruptcy letter from the court states " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Transunion has obviously violated FCRA rules and my consumer rights.
Consumer complaint received 2022-09-19
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. (GA)

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  Account XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX XXXX  Account XXXX, 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 2022-05-17
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. (OH)

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  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account 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 an 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 2022-09-18
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. (PA)

In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, DEPT of Education/XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2021-09-30
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. (FL)

I was checking my credit report and I got shocked from what I saw Its impossible to believe that you reported negative account which is not mine. I never had it so because of you I have low credit score what means I'm not able to buy apartment for my family.
Consumer complaint received 2022-08-15
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)

XXXX, Experian, and XXXX are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. Experian website quotes " Experian supports the CARES Act '', so why is it still on my credit report? XXXX and XXXX and Experian are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX, with 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 an account without my written instructions.