davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (RI)

letter dated XX/XX/XXXX from RESURGENT CAPITAL SERVICES stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with RESURGENT CAPITAL SERVICES nor LVNV Funding LLC. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let this be notice that I previously filed a complaint for a received letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating that I owe that same {$570.00}. The Original Creditor was also XXXX XXXX, who previously charged off the alleged debt. So they are shifting the debt to another shell company. This has to stop!
Consumer complaint received 2022-10-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX around XXXX at night I deposited a commission check for {$1800.00} into a ATM, the ATM took the check and did not say it received anything and did not return the check. I called the customer service line right away and was on the phone with them for about 2 hours before they said the dispute 's center was closed. I called the dispute 's center the next day to let them know, and the opened a claim which I was on the phone with them for another hour, I let know also I had a picture of the front of the check with all the account numbers and names and amounts, but they said they did not want it. Then on XX/XX/XXXX, I got a notification that my account was overdraft because they closed the claim and said they haven't found any check. I went to the branch the ATM took my check on XX/XX/XXXX and they said they there was nothing she could do, after I was there about 2 hours in total waiting in line talking to the teller waiting for the manager, and talking to the manager and I had her call the claims Department and was on the phone with them for over a hour and they said there is nothing they can do unless I had the ATM footage of me at the ATM on that date, the branch manager said she would escalate it and see if we can get the footage on the ATM. I told them I had the picture of the check, and that I needed them to deposit it because my account was over drafted almost {$1000.00}, they suggested I do the electronic despot on the app, and assured me as long as I did it before XXXX XXXX, I would be fine. I called the escrow office that issued me the check to verify the funds were still in the account and no one else has cashed the check, and they did say funds are still available, its never been cashed. I did the mobile deposit that same day at about XXXX XXXX. The next day it showed the deposit was on hold, and I had payments that were returned because the account was negative, I spent over 4 hours that day speaking to about 10 different reps in different departments because no one wanted to help me and they kept transferring me to the wrong departments and when I did get a manger on the phone they pretty much said that there is going to be a hold on my account until XX/XX/XXXX because my account is negative, because they lost my check originally. As of today XX/XX/XXXX I have had 4 payments returned so far, which I am going to get assessed returned payment fees.
Consumer complaint received 2022-09-07
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Experian Information Solutions Inc. (AL)

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a + court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before 566 a Federal grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 
( XXXX ) In accordance with the written XXXX instructions of the consumer to whom it relates. 

XXXX - XXXX Last updated XX/XX/XXXX Balance {$1400.00} Account Details DEROGATORY Account Type Telecommunications/Cellular Credit Type Open Account Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$1400.00} Highest Balance {$1400.00} Original Amount {$1400.00} Term - Remaining Term 0 months Monthly Payment - Hard inquires I would love to have deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-27
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX have 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 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC (OH)

THIS IS NOT a DUPLICATE COMPLAINT!!! Do NOT CLOSE! 

READ below! 

We filed a complaint in XXXX and in the time it took Genesis to respond90 days! There is NEW information and concerns! 

We were told on the phone with Cfpb to file a new complaint as we could not add info to the original complaint! 

We have had multiple issues with Genesis. 
Before the first payment was due we called them to change the due date to a day of the month that would work better for us. 
The representative said it was changed. 
Then a few weeks later we received a letter that our account was past due and we had a late fee. 
I called Genesis back and they indicated the representative gave us the wrong information. 
Fast forward to XX/XX/22. I was offered a settlement by email to settle the account for half but it must be done/paid by XX/XX/22. I called and spoke to a representative and supervisor to ask if I could do this on or before XX/XX/22, they indicated it couldnt be paid any later than XX/XX/22 but said we may get another offer. 
On XX/XX/22 we received an offer that if we paid {$810.00} the account would be brought current. We paid {$810.00} on XX/XX/22. The account was not brought current. We called Genesis and they had no recollection of the letter. I filed complaints with the credit bureaus and Cfpb. 
On XX/XX/22 Genesis waived two late fees and brought the account current for the month of XXXX. 
They never brought the account current on their website. 
On XX/XX/22 they sent us a letter by us mail that they were going to then change our minimum payment from {$2000.00} to {$350.00} a month starting on the next billing cycle. They didnt honor this either. This never happened. 
On XX/XX/22 they indicated in a letter to Cfpb that they had sent the original letter regarding the {$810.00} in error. 
How am I as the consumer to know this letter was sent in error and not that it was an actual offer? Seeing as they told me the first week of XXXX that I may get another offer. 
How many other consumers did they send letters in error too? 
Why did they notify the credit bureau that it was current but not bring it current on their site? 
How many times do they get to make errors at the expense of the consumer? 
Another interesting fact is they report to the credit bureaus as the XXXX XXXX XXXX  but the letter to Cfpb says the bank is XXXXXXXX XXXX. 
Who is the actual bank?
Consumer complaint received 2022-06-27
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX and 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, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

TRANSUNION 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!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint against Experian, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights.

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable. Thanks for your help
Consumer complaint received 2023-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NV)

I am reaching out to notify you that my credit file includes a collection entry attributed to your agency. Surprisingly, I have not received any prior notifications regarding this collection. Moreover, I firmly contest the accuracy of the claimed debt. In accordance with the Fair Debt Collection Practices Act, I am within my rights to request and receive validation of the debt. Consequently, I kindly request that you furnish the necessary validation and take appropriate measures to address and resolve this issue.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

After pulling my report, i decided to dispute error/incorrect information on my report to XXXX, and Equifax on XX/XX/2022. its already been 30 days since i sent the first letter of dispute and they have not reached out to me on updated progress/results. The 2nd letter was sent on XX/XX/2022, requesting updated progress/results ; still no response on their end.
Consumer complaint received 2023-01-26
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 View full complaint
Consumer complaint received 2022-06-14
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. (NM)

Trans Union is showing my utilization to be 20 % while the other reporting agencies are showing 2 %. They have not updated my account with the proper information that I have settled my debts months ago. This is causing an undue burden for me to purchase a home due to their lack of attentiveness and diligence to be reporting out accurate information.
Consumer complaint received 2024-10-29
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. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I RECENTLY DISCOVERED THAT MY PERSONAL INFORMATION HAS BEEN USED WITHOUT MY AUTHORIZATION, LEADING TO A XXXX CREDIT CARD AND XXXX XXXX FRAUDULENT AND NUMEROUS UNAUTHORIZED HARD INQUIERES ON MY CREDIT REPORTS.THESES INQUIERES INDICATE THAT MY IDENTITY HAS BEEN COMPROMISED.
Consumer complaint received 2022-07-13
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.