davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-16
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. (LA)

The erroneous reporting of a late payment on my consumer credit report provided by TransUnion LLC, XXXX, and XXXX. 
Creditor Name : Discover Account NumberXXXX Date of Alleged Late Payment : XXXX XXXX Violation of 15 U.S.C. 1666 ( b ) : In accordance with 15 U.S. Code 1666 ( b ), I have the right to dispute any billing errors or unauthorized charges. The late payment reported by TransUnion LLC, XXXX, and XXXX is incorrect and a violation of my rights under this statute. At no point did I make a late payment on the account listed, and any information suggesting otherwise is false. I have attached proof of timely payments made to the creditor, including bank statements and payment confirmations.

Violation of 15 U.S.C. 1681 : Under the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S. Code 1681, I have the right to accurate information being reported on my consumer credit report. By falsely reporting a late payment, TransUnion LLC, XXXX, and XXXX has violated this statute by failing to ensure that the information they report is accurate, complete, and up to date. This misinformation is damaging my credit score and standing, which constitutes harm. 
Request for Immediate Action : I hereby demand that TransUnion LLC, XXXX, and XXXX : Immediately remove the erroneous late payment entry from my consumer credit report. Investigate this matter and correct any other inaccuracies related to my credit report. Provide written confirmation that the disputed item has been removed and the appropriate corrections have been made.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX, account XXXX XX/XX/XXXX I received a notification from XXXX that my account was reported 30 days late and charged off delinquent. I have never missed a payment my most recent payment was on its due date XX/XX/XXXX in the amount of {$30.00}. I have tried contacting the company numerous times and in result I've been told to contact the credit bureau or the reps would just end the call with no further information. 

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 Section 1026.10 ( a ) does not require the creditor to post the payment to the consumer 's account on a particular date ; the creditor is only required to credit the payment as of the date of receipt. 

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I have formally disputed, multiple times ( once in XX/XX/XXXX and again in XX/XX/XXXX ), the continued inclusion of a reference to an adverse event that occurred over XXXX  years ago on my Experian credit report. 

The details of the disputed item, which pertains to an account with the original creditor XXXX XXXX XXXX XXXX ( XXXX ), with the account number : XXXX, are as follows : In XXXX of XXXX, my vehicle was repossessed. The day it was repossessed I called the company and paid the fees, and it was reinstated. The late payments that correspond with the repossession are no longer listed because it has been over XXXX  years ; however, there is still a reference to it on my credit report in the comments section which states : " Redeemed or reinstated repossession ''. In accordance with the Federal Fair Credit Reporting Act ( FCRA ), the credit reporting time-period for this adverse event has expired, and there should no longer be any reference to it on my credit report. 

Additionally, In XX/XX/XXXX, I also opened a dispute with the creditor, XXXX, and received a letter from them ( which I have attached as evidence ) stating that their research indicates the repossession status on the account should be removed and that they had sent an electronic request to the credit reporting agencies to remove it. 

As of early XXXX, Experian had not removed the comment, which prompted my second dispute with them. In my second dispute with Experian, I included the letter from XXXX stating that they agree the comment should be removed. Within days, my dispute was updated by an Experian specialist with the comment, SEND ITEM ALREADY MATCHES THE DISPUTE REQUEST, and my dispute was closed without the removal of the comment. 

The ongoing presence of this outdated information on my credit report, not only negatively impacts my creditworthiness, its also in direct violation of the FCRA and should be removed immediately.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I have a charge on my Apple credit card from XXXX XXXX XXXX, charged on XXXX XXXX XXXX for {$760.00} which is fraudulent and not charged by me. I disputed this charge through my credit card but the refund was declined by XXXX stating that I purchased tickets that were delivered to XXXX XXXX I tried to log into XXXX account with my email and received an invalid username prompt. I attempted contacting XXXX and was unable to obtain additional information because I could not verify the account. I emailed XXXX to provide proof that I accessed the tickets either through XXXX XXXXXXXX or through the box office which would require ID and I am waiting for their response. Otherwise, why would I purchase tickets and not use them. Hence, the request for a refund due to fraudulent credit card activity. 
Most people that commit credit card hacking can easily obtain basic information on a person such as address and email address. Also, this basic information is available online. 
I did not purchase tickets, and I would like my credit card to be refunded the amount fraudulently charged to my credit card. It is absurd that a company like XXXX will continue to enable fraudulent credit card activity.
Consumer complaint received 2022-05-27
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. (GA)

I sent a letter off on XX/XX/XXXX. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. A financial institution is not supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

I have attached : A copy of my license with my current address A copy of the utility bill A copy of the bank statement a copy of ssn A copy of the letter that was sent off on XX/XX/XXXX A copy of an FTC report with a few of the addresses A copy of the previous CFPB complaint
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (GA)

The company Midland Funding collected on a debt that I did not have with them, stating that I owed this debt from a closed account whose original debtor is XXXX XXXX XXXX. XXXX XXXX XXXX wrote off my account in XXXX for a credit card that was {$250.00} and midland funding stated my debt was sold to them for collections. I did not know who Midland funding was because I have never signed anything with them. They filed a lawsuit in a county hours away from where I live and my employer received a letter for my wages to be garnished. As of XX/XX/XXXX they garnished {$1000.00} stating that I owed {$940.00} plus {$60.00} court fee. I didn't believe there was anything that I could do about it so I did not do anything. Then I realized my check wages were garnished again while I'm out on medical leave and here it is the same company again in XX/XX/XXXX garnishing my wages stating the I owed {$670.00} which includes {$480.00} owed to them and {$190.00} in court summons. I don't understand how they are able to keep garnishing my wages and I don't owe them anything nor have they presented any paperwork that shows how I acquired this debt from them. This has put myself and my family under a very stressful and financial bind. After viewing my credit report it shows that I owe them {$790.00} more. They have had several different amounts on my credit report.This has left me stuck wondering where and what do I do next. There are no more paychecks left for them to garnish wages as I am on leave without pay and they took my final check. Can someone please assist me with this?
Consumer complaint received 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (KY)

First mid XXXX I received an email saying my escrow was up about {$450.00} and I would be getting a check. I then called and advised Caliber that I would not want the check and to put back into my escrow account, because my taxes had already gone up due to the fact, I did wish my payment to go up. I was told they do not things like raise and lower payments and I disagreed and advised I would send the check back. I tried over and over to have anybody from that company help and they refused. Then in XXXX I got another email stating my payment was going up {$200.00} a month due to a short fall in my escrow. I called and still no return calls no help. This is the kicker I put {$50.00} in escrow on my XXXX bill knowing another short fall in coming and they placed into principal account instead. When I called no return call again. The person I talked said you are not allowed to add to escrow. They have stolen from missed you my funds and I want this company to be investigated. I called the VA and was advised this is a widespread practice for this company! If they can raise your payments, then they should be able to lower them. Either way to steal money is wrong and by not putting my funds where I ask them to be wrong!!
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

STATEMENT OF FACTS : XXXX. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to Portfolio Recovery Associates LLC XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via USPS Registered Mail, Article No. XXXX. 
XXXX. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty onXXXX ( 21 ) days for response. 
XXXX. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to Portfolio Recovery Associates, sent via USPS, Article No. XXXX, giving debt collector ten ( 10 ) days to respond XXXX. On XX/XX/XXXX, XXXX Collector mailed to Respondent a computer-generated correspondence dishonoring the offer of performance. Debt collector failed to provide verification of debt, only statements alleging its validity. 
5. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. 
XXXX. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 
7. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment.

8. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 
9. Debt Collector has defaulted.

10. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. 

On XX/XX/XXXX I sent to portfolio recovery associates a notice of default and consent to judgement, which they have failed to respond. 

**Portfolio recovery associates has threatened and continued to report unverified information to the credit bureaus
Consumer complaint received 2022-06-08
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-05
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. (NY)

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-09-18
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-18
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-18
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. (WI)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation (CA)

STATEMENT OF FACTS : 1. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via XXXX Registered Mail, XXXX XXXX. XXXX. 
2. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty one ( 21 ) days for response. 
3. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION, sent via XXXX, Article No. XXXX, giving debt collector XXXXen ( 10 ) days to respond 4. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. 
5. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 
6. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment. 
7. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 
8. Debt Collector has defaulted. 
9. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. 

XXXX XX/XX/XXXX XXXX sent a " verification of debt '' letter to myself. It stated " please find enclosed a copy of your signed contract and/or other documents validating such debt '' Enclosed were " 0 '' documents or signed agreements. There was nothing else enclosed. Stating there were enclosed documents was false. XXXX also stated in the document that collection activity will commence. 

XXXX XX/XX/XXXX XXXX received my notice of default and consent to judgement and has still failed to respond
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX  number # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions