davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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: Medical Society Business Services, Inc. (CA)

Greetings to all at the XXXX. Thank you for your service It has come to my attention that a private company called XXXX XXXX XXXX XXXX is committing many crimes against my estate and my name. 
My question to the CFPB is, how can a 'private ' for profit company be allowed to obtain my personal information without my knowledge, written consent, or a court order? Does the CFPB allow companies to do as they please? I have requested that XXXX XXXX XXXX provide to me a proof of authority that allows them to Purchase and collect the information of XXXX XXXX without a license at CALIFORNIA where I live, my written consent, or court order. This is clearly identify theft by corporate bullies. I am unable to obtain goods for my household. This has to stop. I am asking that the CFPB regulates the false and deceptive business practices of the XXXX XXXX XXXX XXXX. This is devastating to my family.
Consumer complaint received 2021-11-17
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. (CA)

debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by XXXX, transunion, XXXX pursutant 15 usc 1692, and 15 usc 1681
Consumer complaint received 2021-09-12
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-09-12
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: RS Clark and Associates, Inc. (DE)

I have disputed this with R S Clark and Associates requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. R S Clarke & Associates requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

On XX/XX/XXXX, an individual used my credit and social security number apply for an apartment. I had no knowledge of this activity and did not request for an apartment. 

The collection company I received the notice is called Genesis- they have been easy to work with to date to resolve this issue. 

The original creditor is called : XXXX XXXXXXXX XXXX Total debt is {$520.00}
Consumer complaint received 2022-04-23
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-23
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. (MO)

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 U.S.C 1681. 

XXXX XXXX account # XXXX Open XX/XX/2017 has VIOLATED my rights XXXX XXXX account # XXXX has VIOLATED my rights XXXX account # XXXX has violated my rights XXXX XXXX has 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 of the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-09-12
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: Bridgecrest Acceptance Corporation (DE)

In XX/XX/2018, Bridgecrest charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX  XXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.
Consumer complaint received 2021-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Earm LLC (DE)

I've been called off and on since XXXX with the same story, and reported it every time. 

I'm told I opened a payday loan in ( constantly changing date ) for ( constantly changing amount ) and told it will go to court. The first call I receive always states that they've tried to contact me several times-but it's always a new company, or claims it is. 


I never opened this account, the debt is not mine. I informed them of that fact and asked them to cease contacting me, or send me the information so I can add it to my police report if the report is still active. I received neither, simply more harassing calls claiming to be from two different companies for the same debt. Several times I've been given my own social security number over the phone which is both illegal and makes me very uncomfortable as my SSN has been in the wind since XXXX when it was stolen at my dorm.
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (IL)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.
Consumer complaint received 2021-12-09
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP (OH)

On XX/XX/XXXX I received mailing from Mandarich Law Group LLP collecting on a debt for XXXX XXXX, XXXX. They stated original creditor was XXXX XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX CO, XXXX filed with XXXX XXXX XXXX by XXXX XXXX on behalf of company XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX, XXXX and a default judgment entered and was paid in full effective XX/XX/XXXX. I have sent Mandrich Law group a dispute letter as this debt was paid in full back in XXXX.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (TX)

PayPal credit card, my purse was stolen with in 10-15 minutes they charge my PayPal card {$860.00} at a XXXX store buying gift cards i call PayPal right away when i got text alert for that charge they lock account i told not to worry about nothing i send all the police reports, picture of broken glass, picture of glass replacement charge and they still don't believe me, don't know what else to do this is not fair i thought credit card have protection against this stuff this is the last email me they send me today for the XXXX time PayPal case XXXX XXXX case denied
Consumer complaint received 2021-12-09
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: Experian Information Solutions Inc. (CA)

I was XXXX due to XXXX from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX day late deleted from my credit report
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MI)

Around XXXX of 2019, I signed up for the low income internet program through XXXX called internet essentials. The bill was for {$9.00} a month. After about 3 months, the service was shut off due to bill lapse. I eventually received a notice requesting {$53.00} from Sequium collections. 
A year later, I noticed that my XXXX XXXX was significantly lower than usual at XXXX. Perplexed, I began investigating the cause. Upon closer inspection, I was able to take note that upon Sequium removing the collections for {$53.00} from my account, my score also subsequently dropped XXXX immediately after. 
I feel that losing XXXX credit points for a {$53.00} debt is a bit extreme.
Consumer complaint received 2023-04-04
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX  and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-12-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRUIST FINANCIAL CORPORATION (VA)

In Re : In The Matter Of : Name of Appellant : XXXX XXXX Bankruptcy Case # : XXXX ( Dismissed ) Civil Action Case # : XXXX XXXX ( XXXX ) This Topic : Appellants 4th Brief ( Due Date Not Specified by Court ) TOPIC 01 : Notice of Demand For Possession from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Main Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX , Phone ( XXXX ) XXXX. 

Summary : Legal Basis & Procedure basis are questioned by Appellant XXXX XXXX on this Notice of Demand For Possession ( Attached ). 
This notice was taped on my TH residence Front Door. This notice was delivered by this means, ar around XXXX XXXX, Wednesday, XX/XX/2021. Please note that Civil Action Case # XXXX ( XXXX ) still Open & Not Dismissed. Suitable legal counsel not yet identified but continued effort is being made since last brief, Appellant Update 03 -- Brief XX/XX/2021 was filed approximately 2 months ago. A complaint against this party will Be filed with CFPB.GOV, under Debt Collection. Issue category : Took or threatened to take negative or legal action. 
This notice is dated XXXX XX/XX/2021 From XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX XXXX, Main Office : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone : ( XXXX ) XXXX. 

XXXX Legal 3rd Party Debt Collector since XX/XX/XXXX have tried to foreclose twice requiring me to seek XXXX XXXX Protection, as filed at the XXXX XXXX XXXX Court House, currently pending Civil Action Case NO : Civil Action Case # : XXXX XXXX ( XXXX ) ( please see related XXXX previously filed complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action
Consumer complaint received 2022-08-22
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. (CA)

On XX/XX/XXXX I checked my credit report after not checking it for a while and I noticed in my inquiry section I discovered multiple unauthorized credit inquiries that I did not authorize dating back to XXXX and I suspect them to be fraudulent. I never apply for credit there for I was alarmed when I discovered this. I immediately printed out my inquires and contacted each creditor and explained that I did not apply for credit with them and if there was anything that they could do they told me to contact the credit bureaus I contacted the credit bureaus, and explained these inaccuracies reporting on my report and asked that they be removed immediately and they directed me back to the creditors I explained to the bureaus that I had previously the contacted the creditors. listed are the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXXXX/XX/XXXX. Such inquiries being reported on my credit report are inaccurate and very damaging to my credit report and will prevent me from acquiring new credit if need be. I am requesting that all listed inaccuracies be removed immediately.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2022 I sent a dispute letter disputing my inaccuracies on my credit report. On XX/XX/2022 I received a response from Transunion Section 611 ( a ) States : The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This also Violated 623 ( 9 ) ( b ) ( 2 ) the credit bureaus are to complete all investigations BEFORE the expiration of period under section 611 ( a ) ( 1 ). Transunion replied back verifying or updating information.Accounts disputed are still inaccurate or inconsistent. Transunion FAILED to conduct a reasonable investigation of your dispute, Violating CRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. If the investigation was throughly done Transunion would have not needed to update any information. It was NOT throughly done because I still have inaccuracies. Another Violation U.S. Code 1681 would be Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. Transunion had no right to believe my disputes were frivolous or irrelevant.So XX/XX/XXXX I sent a letter asking Transunion to send me the methods they used to verify these accounts I have been ignored Transunion had 15 days to respond they have not. This company has violated so many of my rights as a consumer. I am trying to find a home I am at-risk of being XXXX  with a XXXX XXXX old and I can not find a home due to my credit and Transunion keep failing to follow the law causing me trouble in my personal life.
Consumer complaint received 2021-12-09
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. (SC)

On XX/XX/2021, I submitted a dispute to the Consumer Reporting Agency ( CRA ) : Experian XXXX XXXX XXXX XXXX, TX XXXX In this dispute articulated that this CRA was in violation of 15 USC 1681b - permissible purpose of consumer reports since, by the letter of the law, i must provide them with written permission to furnish this data on my consumer reports. Furthermore, I provided the exact laws which supported my demand to remove all " late payments '' from my consumer report which are illegal based on the consumer law 15 USC 1681 ( 2 ) ( a ) ( i ). 

I requested that all late payments be removed from my report. Additionally, I pointed out how they are presenting the status " CO/C '' on the reports to represent " Charge Off and Collection '' respectively. They are presenting this data as late payments and even support that this is a late payment when viewing the full reports and on the dashboard as late payments. Instead of actually adhering to the laws they are constantly " verifying '' an account which is not what I am asking for in the letters. 

Delete the late payments for the following account : XXXX XXXXXXXX XXXX  XXXX account # XXXX Delete the following accounts from my reports : XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX This CRA is in violation of 15 USC 1681.