davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for Experian as XX/XX/XXXX and XXXX  as XX/XX/XXXX while XXXX  as XX/XX/XXXX. This is an violation by the accounts with Experian and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet XXXX  is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with Experian and XXXX  and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.
Consumer complaint received 2022-12-03
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. (WA)

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. 

Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX  acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : 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 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 2022-04-18
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 sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

Since XX/XX/2021 I have mulity transactions that have been triple by the amounts and serve conversations and corporate calls to the Financial institution. Apparatus they really do not care. When my credit card was issused a pre paid one, it took over 1 1/2 months to receive. THEN the day I was told by XXXX the Assistant Manger of the bank when I was standing right there in front of her. I heard the whole conversation to the credit card processing company that it would be 5 to 10 bussiness days for me to receive which it was a month and half went by. Then I recied a phone call from that same branch from XXXX the bank Manger that my Credit card was there and I walked in to retrieve it and get it valivaed, and I was handed the envelope open and I was told it was active. My question WHO VALIVATED MY CREDIT CARD??? NO BODY IS ON MY ACCOUNT AND NEVER HAS BEEN. THERE IS MONEY MISSING AND IF YOU ADD UP MY DEPOSITS YOU WILL SEE IT DOES NOT EVEN COME CLOSE TO WHAT THE BALANCE IS??? HOW IS THIS EVEN LEGAL??? PLEASE HELP WITH THIS I AM A AMERICAN CITIZENS IN AMERICA. RIGHT???
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (GA)

I have been a XXXX to Discover Card for years. I only use it for emergency purposes, and my account is automatically debited for payments, so I'm never late. Although I pay every month, on time, my balance never decreases, and the minimum payment on the account always increases. My credit rating is good, and I don't use the card much. However, because of the high interest rate on the card, my account balance never goes down. Except for one time, when I paid off the account completely, I can never pay off the account. I called DISCOVER to discuss this situation, and they transferred me to their " XXXX XXXX '' department. I spoke with XXXX. She asked me if I could pay more - my minimum payment is already in excess of {$200.00} / month. I asked if she could lower my interest rate ; she indicated that she was not authorized to lower the rate on my card. She stated that she could only lower the interest rate on new purchases. Discover Card charges a usurious rate of interest. DISCOVER automatically debits my bank account each month, but my balance NEVER goes down, and my monthly minimum ALWAYS increases because of the exorbitant interest rate they charge.
Consumer complaint received 2021-01-29
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. (CA)

The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX  as XX/XX/XXXX and XXXX  as XX/XX/XXXX while Equifax as XX/XX/XXXX. This is an violation by the accounts with XXXX  and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet Equifax is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX  and Equifax and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.
Consumer complaint received 2022-07-28
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: Upgrade, Inc. (NY)

On XX/XX/22 I checked my credit score and I found out account was listed. Upgrade INC - loan type line of credit opened XX/XX/22. Balance {$16000.00}. I didnt open any accounts with Upgrade. Identify theft. I called to report the fraud and spoke with XXXX on XX/XX/22 at XXXX to report fraud and that I did not open any account. I wanted to speak to someone in company who handles this. I not received any calls or emails back from Upgrade. I did find out the corporate office address Upgrade INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. The second address found on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX AZ. I also filed a FTC report and made a police report on XX/XX/22. Somebody stole half of what I make in a year online. My credit and family now cant get proper housing due to identify theft. The company again has not taken any steps to correct what has happened. I was referred to make a complaint today by the FTC. I want my credit back and thieves caught.
Consumer complaint received 2021-01-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I would like to file a complaint against Portfolio Recovery Associates they have been trying to collect a debt that is not mine I have asked him on several different occasions to please not call me or contact me and they have sent me letters they have sent me of text messages they even called my job looking for me and you know what this is all for a dad that I asked them to show me proof and I asked for them to validate it and they were unable to do so they sent me just one letter saying this is what I owe and that it was something that they bought from another creditor but they did not show me any original documentation I did not show me my signature they didnt show me anything that I requested and all I want is either proof that this is in fact my dad because I do not recognize it and I when I say proof I want original documentation I want to see that theyre probably not allowed to collect in my state license in my state and I want you know everything that theyre supposed to show my lawyer in the FCRA that they did not show and I want them to also stop calling and stop harassing me for this money that I dont know theyve been rude theyve told me I was a XXXX and I dont appreciate it. its been really really stressful and you know they keep Marking my credit and every single month and they have yet to show me proof that this is my dad and I think that they should be fine and I already contactI already contacted legal representation and they do this for a living and they told me that does based on all the the documents that I said I showed them and I fax them out Im on like the communications that theyve sent me a portfolio sent me that they said that this is this is all a slam dunk case so I really at this point next step for me is going to be to take a class action lawsuit or they could just delete this from my credit report and my file completely and never contact me again and thats it
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has information on my credit report which is false. I tried to file the dispute on line and there was no ability to contact them. I need the information regarding student loans corrected and my credit report reassessed as soon as possible. I have not heard from anyone in the company since telling Transunion the information was incorrect. My credit score with Transunion is listed as a D. This has placed me in a difficult situation.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a XXXX XXXX  and XXXX one of the XXXX in my XXXX building in XXXX XXXX CA. My day job is professor of XXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. 

In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. 

Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.
Consumer complaint received 2021-01-30
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. (SC)

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.	

AS STATED IN THE FCRA, YOU ARE REQUIRED TO RESPOND TO MY DISPUTE WITHIN 30 DAYS. IF YOU FAIL TO OFFER A RESPONSE, ALL DISPUTED INFORMATION MUST BE DELETED. ALL RELEVANT DOCUMENTATION IS ATTACHED FOR REVIEW. I THANK YOU IN ADVANCE FOR YOUR PROMPT RESPONSE AND RESOLUTION OF THIS ISSUE.
Consumer complaint received 2022-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (UT)

I called Mohela in XXXX to request that payments I made during the COVID pause returned to me. The representative gave me a timeline but it has now been a couple of weeks beyond when she said it should be returned to me. I have tried to call Mohela again several times but their wait times are several hours long and I just don't have XXXX hours to sit on the phone waiting for service.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

In 2017 I had got a victims comp check in the amount of {$2500.00} at that time I was banking with chase bank after deposit the check was clear the account that days chase bank closed my account kept the cash and still this day refused to refunds me the cash
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (SC)

I received a letter from Midland Credit Management , Inc stating I owe them a debt again after I already told them to cease and desist. Today I looked on my consumer credit report and Midland Credit Management , Inc has a collection on my credit.
Consumer complaint received 2021-01-29
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: Experian Information Solutions Inc. (IL)

I wrote Experian and XXXX about the information on my credit report about a bankruptcy on my report and the response I got was it was verified by a 3rd party and not the Bankruptcy courts. I contacted the bankruptcy courts, which clearly state that they do not report to the credit bureaus. I wrote the letter stating that they must remove this because it was not verified or reported by the courts. I sent a copy of the letter from the courts, which backs what I am saying. What sparked this was they said the courts reported this to them. They are refusing to remove this. My XXXX report has removed this item already, but Experian and XXXX are refusing to do so. I was told it had to be verified by a first party which is the courts. I have the letter from the courts.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602A. 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 2022-11-18
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

In early XX/XX/year> I tried to gain the ability to freeze and unfreeze my credit report since I've been repeatedly contacted about security breaches by several companies. This seemed simple enough and I created an account with confirmation # XXXX which I believed was the " PIN '' number to freeze the account because I did not understand the phone bot despite requesting clarification. Later, I attempted to freeze the account and attempted to do so with the confirmation number I believed to be the PIN number and was connected to a human for the 1st time, but they were unable to verify me and said " the security questions didn't come up '' or words to that effect. I was assured they would investigate but nothing ever happened that I was aware of and I contacted Experian numerous times thereafter. On XX/XX/year> I got PIN XXXX in the XXXX mail which was the first time I realized the confirmation and PIN numbers were not the same things. I attempted to use the PIN and was told I needed to change my PIN. No reason given. On XX/XX/year> I received an email stated I had canceled my membership which I did not ( Experian apparently did ). Subsequently I was given " case numbers '' # XXXX and then # XXXX which were " escalated '' and I was told I would be contacted within 24 hours, but that never occurred. I gave up trying to get through to then and hoped they might contact me, but never did. I received numerous emails indicating that they would help me complete my account registration, but the application invariably ended with a message like " oops something went wrong '' and a message to contact one of their robot-tended phone numbers which led nowhere. 
As of now, I can not log onto the Experian site or get a credit report from them. I don't know if my credit account is frozen or unfrozen or how to accomplish these tasks which is all I wanted to be able to do in the first place. None of the people i spoke with at Experian appear to be native English speakers and none seem very interested in solving my problem. Please help me get this resolved. 
Thank you, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$620.00} opened on XX/XX/2018. I have also looked up this original creditor and I have never lived or been to XXXX XXXX, Nevada. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX and the Texas Attorney General 's Office today.