davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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: CITIBANK, N.A. (CA)

In XX/XX/2019, my statement balance of {$32.00} was paid in full ( via autopay, as usual ) and statement was closed with {$0.00}. A month later, the payment was returned and appeared as a XXXX balance on the next statement, along with late fees. I had no idea this was happening until I found out a few months later as I noticed the effects on my credit score. I was not using the credit card ( Macy 's store card ) so did not expect a charge after closing the said statement. This was exacerbated by the loss ( potentially theft ) of my mail including letters from Macy 's, recovered months later by the USPIS. I was not notified by e-mail, text, or phone. 

The reason why the payment was returned was a mystery for a while, until after repeated calls to Macy 's customer support and escalating the issue a few levels up the management chain, they identified that it was because the autopay attempted to draw money from a closed account. Importantly, I had updated it to another active account more than a year before this happened, and the autopay had been consistently successful in previous statements. The issue was probably due to a technical error on the creditor 's end. They accepted it over the phone and returned the late fees, but never corrected the credit reporting. 

A more detailed account of the events is attached, along with documented evidence to substantiate the stated facts. 

This has since damaged my credit score and will cost me tens of thousands of dollars in mortgage interests on my recent home purchase. I would like this to be fixed as soon as possible so I can refinance my mortgage with a better credit score. 

I have already contacted the creditor ( Macys ) directly and the three credit bureaus ( XXXX, XXXX, and XXXX ) multiple times to fix this issue, but they have not been helpful.
Consumer complaint received 2021-08-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (MI)

I sent this company an affidavit of truth stating how they violated me according to the laws of the FDCPA. I also sent them an invoice as they are liable to remedy me and they have not paid the invoice nor have they rebutted the affidavit, meaning they have accepted it as true so my invoice for {$11000.00} is valid and will be paid. Thanks for nothing, court documents on the way. I can't wait!
Consumer complaint received 2021-09-10
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. (FL)

On XX/XX/2021 I sent Transunion a letter asking what method was used to retrieve a bankruptcy they are reporting on my credit report. They responded with a letter stating that this was verified via XXXX XXXX. I went directly to XXXX to verify the bankruptcy in question and XXXX XXXX advised that they received the information furnished to Transunion from the courts. I then went to the courts and they advised via a letter that not only is it illegal to provide the information to third parties, but they did not provide this information as well. I gave this letter to XXXX XXXX and they promptly removed the invalid bankruptcy from my consumer report. 

I then went back to TransUnion on XX/XX/2021 and sent a letter requesting a that they either provide me with proper proof of investigation of this alleged bankruptcy or to delete it as the third party that was used to collect this information has determined that it is invalid and can not be verified and, therefore deleted. With that demand letter, I also enclosed a copy of the letter from Transunion 's third party data furnisher, XXXX XXXX, acknowledging this information is incorrect and invalid and has been deleted. 

Not only did they take a longer time than the 30 days allotted to reinvestigate the inaccurate information, but Transunion has also refused to verify how the item was verified. This is a FCRA violation. 

Transunion has violated many FCRA rules and my rights by blatantly refusing to delete this item that has been shown as inaccurate and refusing to advise me of how they verified this information while it was in dispute. This alleged bankruptcy is affecting my ability to take care of myself and my family during this pandemic and costing me additional monies in fees and interest. 

Per FCRA, this item needs to be deleted from my credit report if it can not be verified as it is a violation to report inaccurate, incomplete or invalid information.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-29
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. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: GSA Commercial Asset Management (CA)

1/ I complaint into GSA too much time from phone to complaint direct at their web-site, I am not solve and I am not feed back 2/ My case at Supreme Court OF US was theft and fraud from all defendants at US court Northern District 3/ FEDERAL BUILDING POLICE SECURITY unite with them lock my human right before FEDERAL COURT AND FEDERAL JUDGE, Include XXXX and OFFICE SSI and SSA local I live at XXXX XXXX CALIFORNIA 4/ My face and my voice were lock by them 5/ My certified sent into all court almost were theft, stolen and Fraud
Consumer complaint received 2021-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

Medical Data Systems at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX has been sending me collection notices in the amount of {$860.00}. The collection is reported as past due, I do not know this company and Ive never done business with them. This company does not have a contract with my signature.
Consumer complaint received 2021-08-29
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. (NC)

I have not received any proof of owing this company and they have not completed their investigation. I have requested information numerous times over a course of months to no avail.
Consumer complaint received 2021-08-30
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. (TX)

I submitted a dispute letter to XXXX, Transunion, and XXXX  regarding fraudulent information on my credit report. I mailed these documents by certified mail ( Tracking ID : XXXX ) and it shows XXXX  received my letter on XX/XX/2021 at XXXX XXXX. XXXX  received my letter on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) and Transunion received it on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) It has been almost 60 days, and these fraudulent items remain on my report. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.
Consumer complaint received 2021-08-29
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. (GA)

Greetings, I would like to fill a complete with the CFPB against XXXX, XXXX, and TransUnion for misleading information on my credit report about a Bankruptcy case. 

I sent written notification to the court asking how XXXX, XXXX and TransUnion verify bankruptcy by the court. In response, in response on XX/XX/2021, the court stated it does not verify information to collection agencies. As a result, I sent letters to all 3-credit agency asking to verify and how the Bankruptcy is verified on my account. 
This is the response that was sent to all 3 companies I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case Number XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 

XXXX XXXX In response, each credit agency stated that the information is verified as accurate. 
Attached are letters and documentation that was sent to all 3 agencies.
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 status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.
Consumer complaint received 2022-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

So I submitted disputes on both collections in XXXX, requesting validation, copies of investigation and sources used, and documents showing signature of debtor as the only unquestionable medium of validation. Received nothing and investigation was concluded with updating information on both collections. Being this dispute was not satisfied correctly which to my understanding are fcra violations, I submitted another requesting same info as first time, Experian concluded the investigation near immediately referencing previous XXXX dispute as findings and again not providing all requested information. So 3rd disputed was submitted on both last week and Experian immediately denied the dispute. All things listed being violations of the FCRA punishable by fines per violation. Then whoever the Experian rep was responding, started requesting information and copies of I.d . and utility bills like theyre siding with companies. The bureaus position is only to properly report, properly follow the processes set by law, and correctly report information given. Violating debtor rights and playing advocate on behalf of companies is apparently what they believe their job is now. Laws are in place to protect consumers, not deny them of their rights all together and to not follow the process of of doing a full investigation by the process no matter how many time any given credit line is disputed. To the best of my understanding thats exactly what is supposed to happen every time, is the full process of the investigation, not just a yea we did that already and updated. Updated info was not requested. Validation of debt was requested with copies of results, sources, and signatures. None happened. Thank you for your time in looking into this. Credit means nothing if theres no credibility within the credit bureau itself. Then we have nothing to go by
Consumer complaint received 2022-01-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

XXXX is reporting to Equifax, XXXX, and XXXX a XXXX that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why Equifax, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MN)

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX who posed as an agent that worked in XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet -- utilizing theiXXXX XXXX XXXX XXXX services.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC (TX)

SUNRISE CREDIT SERVICES , INC XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX Email : XXXX Fax : XXXX SUNRISE CREDIT SERVICES , INC is XXXX reporting on my credit. I have never had any accounts with them. Upon my research/findings, SUNRISE CREDIT SERVICES , INC is a debt collector. They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX, XXXX, and XXXX and any other reporting agency ) and against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports. I have attached the definition so that you can see and understand the violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I request to be provided proof of this alleged item, specifically the original application, contract, note instrument bearing my signature with SUNRISE CREDIT SERVICES , INC . Failing to do so, the item must be deleted from the report as soon as possible! Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692G Please have the original creditor provide the validation documents to the XXXX  as well as to me. It is extremely important that the creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off and taking this matter seriously. Thank you for your assistance.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

Due to XXXX forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of XXXX and legally should not have them there. 


Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by XXXX should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.