davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ability Recovery Services, LLC (MD)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance with a medical debt collection issue involving Ability Recovery Services , LLC. This debt, referenced under account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently being reported to credit agencies as outstanding. Given my unique circumstances as a confirmed XXXX XXXX XXXX XXXX I believe this debt has been misattributed to me, violating my rights under consumer protection laws. I am requesting immediate removal of this entry based on these extenuating circumstances. 

As you may be aware, both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) provide safeguards against inaccurate or deceptive practices by debt collectors, particularly for individuals in vulnerable situations, including survivors of XXXX XXXX Under these laws, I am entitled to dispute any debts that can not be clearly validated. Ability Recovery Services , LLC has failed to provide credible documentation that this debt is both accurate and legitimately owed by me. Without such documentation, they are legally obligated to remove this debt from my record. 

Additionally, per the mandates of the FDCPA and FCRA, unverified or misattributed debts must be corrected promptly to ensure fair and accurate reporting. Considering my verified status as a XXXX XXXX XXXX I request the CFPBs assistance in removing this debt from my credit report and ensuring my consumer rights are fully protected. 

Thank you for your time and attention to this matter. I appreciate your support in upholding fair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-01
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. (CA)

This complaint will be my follow-up to ensure to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} Please remove any noteworthy items that are erroneous
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are inaccurate charge-offs and late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer credit report. Since this charge-off and late payments represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TN)

I really need your help please. I feel like I am in a scam in cryptocurrency through crypto.com. It all began when a lady approached me on XXXX where we started talking about the economy and she mentioned trading futures crypto. Long story short I began trading with my own funds while having some success. She then mentioned she would help me improve my profits by using some of her own funds in what they call a recharge. I dedicated some more of my own funds through this as well and had some more success in gaining profits. I thought everything was fine until she wanted me to invest more so I could profit more and I didn't want to do it. I went to withdraw my funds and the " customer service '' told me in order to withdraw my funds I would need to add 10 % ( {$1900.00} ) of my account total which was {$19000.00} at the time and then they would release my funds. They told me I needed to do this because it was a measure of the platform against money laundering, trafficking, etc. I did this but they didn't release my funds. They told me they had done another review of my account and since {$10000.00} of my funds had come from another account which was her account that I'd now have to pay an additional {$5200.00} which would be held for 7 days and if there weren't any complaints against me they would then release all of my funds. This is where a red flag should have come up for me and it kind of did but I wanted to get my funds out so I was focused on that. I deposited the {$5200.00} from my bank account into my crypto.com account and waited 7 days, they didn't release my funds. Now they've told me I need to pay taxes on my profits of {$2000.00} and they will release my funds. I am very suspicious now and I'm not sending them another penny of my money. I have put in about {$10000.00} of my own money then profited a little over {$5000.00} plus the lady that approached me about this supposedly put about {$10000.00} of her money in for the " recharge ''. I've dedicated some of my funds to some spot trading but in total the account has a little over {$26000.00} in it. I should have never fallen for this and I feel horrible about it. I really need your help. They have told me if I don't pay the taxes of {$2000.00} within 5 days they will freeze my account. I'm hoping I can get some of the funds back but I know that may not be possible at this point. I don't understand how crypto.com can fail and let things like this happen on their platform. I didn't get a huge red flag till I typed some things into XXXX last night and noticed on a california.gov website that another gentleman has had almost the identical experience to mine except his was far worse. I think he put somewhere around {$650000.00} in his account. My funds were deposited to my bank account to crypto.com then moved from there to XXXX XXXX of Crypto.com where they sit and these people won't release my funds to me. 

Can you please get back to me as quickly as possible, thanks.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days. Ive already included this in my previous complaint & I am 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
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I recently opened a Synchrony Amazon store credit card which provides 5 % back on purchases with Amazon. There was a low credit limit of {$6000.00}, which required me to buy items up to my limit, then pay off the card so that I could use it again. I had to do this multiple times, especially during Amazon 's prime day where there were items on significant discount. I logged on to the Synchrony account management on XX/XX/2023 to find my account closed with no explanation, as well as $ XXXX of earned rewards taken away. The letter I received stated the reason for closure was " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. This is a bogus reason as I had paid down my balance to XXXX on multiple occasions. Synchrony has taken away my rewards worth more than {$1100.00} earned under their cashback program and benefited from merchant exchange fees and purchase fees. From my statement on XX/XX/2023, which covered purchases up to XX/XX/2023, I had already earned {$770.00} in rewards ( statement attached ). Additionally, Ive attached an export of my transactions since that statement to show additional purchases and payments made over that time period which shows the assertion that I intended to not pay laughable. If I intended not to pay, I would not have paid down my statement balance on multiple occasions. I accrued additional rewards since my statement which were taken away from me by Synchrony. This company is using deceptive business practices to benefit off the consumer.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-08-12
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: JPMORGAN CHASE & CO. (NY)

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC. (GA)

Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payment or to incur debt and defer payment. As a consumer, 15 USC 1602 ( h ), and creditor, 15 USC 1602 ( f ), I issued my credit card over the phone to XXXX XXXX XXXX XXXX representative XXXX XX/XX/2022, a consumer credit transaction was completed via Exeter Financial Services and Exeter denied me credit. The denial discriminates against my rights as a creditor and it violates 15 USC 1691 ( a ) ( 3 ).
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

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

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2022-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

I received a debt collection letter from Southwest Credit XXXX for XXXX violations that were supposedly obtained in the XXXX XXXX XXXX XXXX XXXX The fee 's are for {$58.00} and {$56.00}. No notice from XXXX or XXXX was sent to me for these violations, as they should before submitting to a debt collection service. I have not used XXXX XXXX since the summer of XXXX and any fine 's attached to the vehicle in question were paid in FULL directly to the XXXX to resolve suspension of the registration. This vehicle has not been in my possession since the summer of XXXX due to it being totaled in a roll over accident in the winter of XXXX.
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (IL)

A loan in the amount of {$1000.00} was received on XX/XX/2022, with biweekly payments of {$250.00} beginning on XX/XX/2022. I have paid a total of {$2200.00} ( XXXX payments ), which is over double the amount of the original loan. Due to financial hardship, I am no longer able to make the remainding payments. They removed the ACH withdrawal from the account. However, they said they will aggressively seek payment on the remaining balance of apx. {$3500.00}.