davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has violated the Fair Credit Reporting Act ( FCRA ) section 1681i. According to the FCRA, consumers have the right to access their credit reports and dispute any inaccurate information that is contained therein. I exercised this right when I submitted a dispute regarding several items on my credit report that I believe to be incorrect. However, instead of conducting a thorough investigation and correcting the errors as required by law, you simply verified the inaccurate information and continued to report it on my credit report. This is a clear violation of FCRA section 1681i, which states that credit reporting agencies must investigate disputed information and remove or correct any inaccuracies within 30 days of receiving notice of the dispute. Your failure to comply with this requirement has caused significant harm to my credit score and overall financial well-being. I am now requesting that you take immediate action to correct the errors on my credit report and ensure that they are not reported in the future. Additionally, I would like to request a copy of my updated credit report once the corrections have been made. I understand that mistakes can happen, but as a credit reporting agency, it is your responsibility to ensure that accurate information is being reported. I hope that you will take this matter seriously and take the necessary steps to correct the errors that have been made. You are reporting something that is not accurate and I have already made you aware of it and you continue to report it, that you are defaming my name
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (TX)

Shortly after we moved out of our apartment, XXXX apartments put a {$500.00} collection on our accounts. We left the apartments in good standing, having paid the last month 's rent prior to moving out. XXXX had also never notified us of any additional amounts owed after we moved out. I managed to come across the collection as an alert had come through on my credit monitoring application. 


Me nor my wife are responsible for anything that happened to the apartment after we turned in our keys. I am requesting a full disclosure and verification of debt on this account. I would really like this matter to be resolved as early as possible.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I reviewed my Consumer Reports and noticed that I had two or more late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2016-04-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

There are 2 issues with this debt and PDQ Company 's collection efforts. PDQ 's response does not address the issue of the initial date of collection which should be the date listed on the credit report. PDQ sent a letter of collection on XXXX XXXX, XXXX. This is written and documented on their letterhead whereby they reference this exact date. PDQ is not following the federal fair debt collection laws. PDQ is showing the date of initial collection as XXXX XXXX. This is completely inaccurate and unfair collection and reporting. PDQ 's initial letter was dated XXXX XXXX. Again, PDG is violating fair collection practices by reporting an inaccurate date. By doing this, PDQ is allowing almost 2 additional years of reporting as a collection account on my credit report. PDQ has not addressed this in any of its previous responses. Again, the proof, which is the actual letter written by PDQ, is attached to this email. The collection letter sent by PDQ which states the initial contact was XXXX XXXX. This means the debt should be removed from the credit report sooner. I do not confirm this debt. I do not want PDQ to list the debt as disputed. This is not the answer I am seeking. This debt is beyond the statute of limitations. I seek resolution where PDQ corrects the date of initial collection so that my credit report is accurate. PDQ is using unfair and inaccurate reporting tactics to allow for additional and illegal time to collect. I will file another separate complaint against PDQ since the Company can not address both issues simultaneously.
Consumer complaint received 2017-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Today my wife received a call from this number - XXXX ext - XXXX regarding a credit card I had with XXXX. The company XXXX XXXX XXXX then proceeded to tell my wife about my personal and private business. The individual who called her XXXX, told her he was a debt collector and then proceeded to tell her why he was calling about a debt I have. I never authorized anyone to call her. I never gave her number to this place. So he not only obtained her number without permission, but also broke the law and gave out personal information regarding said debt which they were never authorized to do. I only found out because my wife came home and told me. Plus she also said this XXXX XXXX was very mean, could barely understand a word he said and was demanding, all this while she was at work and explained she was. So last time I checked they violated the FDCPA which is supposed to stop this kind of activity. Therefore why I am filing a complaint and want action taken on them. How they got her number and then proceeded to give out my personal information just broke two laws last time I checked.
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (IL)

THIS IS NOT A DUPLICATE COMPLAINT IT IS A NEW COMPLAINT AGAINST THE SAME COMPANY DUE TO FRAUDULENT GOUGING OF AND ADDITIONAL {$1000.00} IN A MONTH 'S TIME AND NOT EVER SENDING ME A LETTER WITH THE INFORMATION OF WHO THE THIRD-PARTY COLLECTOR IS THAT HAS THE LOAN AND MY TITLE THAT THEY CHARGED THE LOAN OFF AND SOLD IT TO!!! My payoff on my Honda XXXX XXXX XXXX XXXX  was quoted to me at the bank when I was trying to refinance at the beginning of XXXX XXXX at {$4800.00}, now saying it is {$5800.00}, that is an increase of over {$1000.00} in less than a month!!!!!!!! THIS IS FRAUD!!!!! What are you going to do about it as a government regulator??? I am also going to pass this on to the FTC and my lawyers!!! I am not paying a XXXX XXXX until they lower my balance back to what it was a month ago and if they don't, I will file a lawsuit and get my title!!!!!! They also did not even send a letter to me showing who the third-party collection agency they charged it off to is, another breach of the FDCPA I can sue them for too!! 
Principal : {$5500.00} NSF Fee : {$50.00} Late Charges : {$170.00} Interest : {$46.00} Balance : {$5800.00} XXXX THEY SAID THEY CHARGED OFF!!!
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Todd, Bremer & Lawson, Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am a XXXX XXXX XXXX XXXX XXXXXXXX XXXX Veteran, and California resident, that has become extremely frustrated at not being able to obtain my ( 3 ) credit reports and FICO scores since XX/XX/2023. 

Attempts to call XXXX has taken endless hours of being transferred to a XXXX call center and as of today, XX/XX/2023 I still do not have access to my files. I have been transferred around the globe when speaking with XXXX and can not even speak with an executive in the USA. 

I am met with the same frustrations with XXXX and Experian and I am tired of the long call times, outsourcing of my credit files to other countries and not being able to review my credit reports and FICO scores. 

The runaround is clearly XXXX abuse.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-12
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. (MI)

IT IS INFORMATION ON CREDIT FILE THAT DOES NOT BELONG TO ME I HAVE NOT GIVEN MY INFORMATION TO ANYONE FOR THESE ACCOUNTS I DID NOT RECIEVE ANYTHING FOR THESE ACCOUTS IT IS ADDRESSES AND INQUIRIES AS WELL. I HAVE FILED ALL OF THE REPORTS WITH THE POLICE AGENCY AND FTC. ALL THE ACCOUNTS THAT NEED TO BE REMOVED ARE AS FOLLOWS STATE OF MI CHILD SUPPORT XXXX XX/XX/XXXX XXXX STATE OF MI CHILD SUPPORT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

My bankruptcy record that Lexis Nexis hold Has another name, not belonging to me or my wife. The name XXXX XXXX XXXX does not belong to me or my wife on the joint bankruptcy I am only disputing the inaccurate information of having another name that does not belong to me XXXX XXXX or my wife XXXX XXXX. I asked that the files to be removed for having an accuracy not because its not belong to me. Under the fair credit act law if a file hold accurate information such as our names it must me removed!
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-15
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. (CA)

My credit report is inaccurate, and needs to be corrected. XXXX XXXX account dated XX/XX/2023 is inaccurate and need to be deleted off of my credit report!
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

ASKING FOR CREDITOR REMOVAL OF XXXX XXXX  DATE OPENED 2/21 LIMIT XXXX STATUS 09 TUEF

PLEASE REMOVE IT FROM THE CREDIT REPORT. NO ITEMIZED BILL OR CONTRACT OR ANY SIGNATURE CONTRACT HAS BEEN PROVIDED IT HAS BEEN OVER 2 YEARS WAITING FOR A RESPONSE FROM THE CREDITOR. THE CURRENT INFORMATION LISTED BY YOUR XXXX  SITE OF THIS COMPANY IS OUT OF SERVICE (I.C. SYSTEMS, INC. XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX) PHONE# (XXXX  NO LONGER IN SERVICE NUMBER NOR ADDRESS IS VALID. PLEASE REMOVE OR RESPOND WITHIN 30 DAYS. THANK YOU
Consumer complaint received 2023-05-15
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. (GA)

XXXX XXXX XXXX n 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 2023-05-15
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: EQUIFAX, INC. (MA)

An individual installment loan for {$5000.00} was taken out in my name from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did NOT open this account nor take out a loan from this establishment. The account is 120 days over-due, and my credit score how now gone from good to poor. The account was opened with an address at which I have NOT lived : " XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. '' I live in Massachusetts and have never lived in Florida. 

It seems that I was a victim of identity theft. I discovered this account when I checked my credit report from Equifax on XX/XX/XXXX. I called XXXX, who verified the loan that had been taken out in my name as well as the false address on the account. XXXX directed me to file an identity theft report with the FTC and to dispute my credit score with the credit bureau.
Consumer complaint received 2023-05-15
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. (TX)

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 : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (GA)

After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including XXXX, Experian, and XXXX, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXX XXXX POTENTIALLY NEGATIVE XXXXXXXX XXXX  POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE XXXX XXXXXXXX POTENTIALLY NEGATIVE XXXXXXXX DPT EDXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX
Consumer complaint received 2023-05-15
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Management Company (PA)

I received an alert from my credit monitoring service advising of a negative item. My credit score is usually around XXXX so i take it very seriously. Surprised, i disputed the item with the only credit bureau company reporting it, XXXX on XXXX advising it is not me. They responded on XXXX advising the item would remain. I have never done business nor received bill nor have any knowledge of the original creditor showing or the collection company reporting it, Credit Management Co, XXXX XXXX XXXX, XXXX PA XXXX, XXXX. I called Credit Management Co on XXXX and spoke with XXXX at extension XXXX, who verified the account doesnt belong to me based on my SSN and DOB. In fact she asked if i had a son born on XXXX, but i pointed out my dob is XXXX so that is not possible. She verified the last XXXX of the XXXX reporting were XXXX and the DOB didnt match. I also pointed out the original creditor appears to be some XXXX system that is in an area about XXXX hours away from where i live. She said she would add a comment to the account so that they could let the credit bureau know the account does not belong to me and should not be on my credit report. I called XXXX that same day to advise of all this, and gave XXXX @ their special Service department all the details of my conversation with Credit Management Co, including the extension of the person i spoke with and the last XXXX of the SSN they verified the debt was against, which does not match mine. XXXX re-opened the dispute on XXXX. XXXX said that the first time they sent the dispute to Credit Management Co, that company simply responded advising the account did belong to me. I was confident this was going to be resolved since i took the initiative to do their job for them to verify the account doesnt belong to me. Today however, XXXX, XXXX advised me the item would remain. How is this possible? Why is Credit Management Co damaging my otherwise PERFECT credit by reporting something that they already verified doesnt belong to me? They are not doing their job. Please help get this resolved
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (GA)

Again, Your statement provided totally goes against the Consumer Law. I also have spoken with XXXX XXXX XXXX and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from XXXX XXXX XXXX XXXX in regards to my account. I am requesting from ASPIRE the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( ASPIRE ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to XXXX XXXX XXXX XXXX WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH XXXX. I have spoken with them several times and they can not provide me with any information. Thank you.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

Last XXXX my home loan was sold to a company called Loancare and as soon as it was sold I received a delinquent notice and a late fee saying that I did not pay my XXXX payment when I did in fact pay it to the previous provider, XXXX. I then contacted my previous provider and they said and sent me proof that I paid my XXXX loan statement which I then forwarded to Loancare to hopefully resolve the issue and find the missing payment. I also sent Loancare copies of my bank statements to show that the money did indeed come out of my account and was not returned to me. Since XXXX I have called dozens of times trying to figure out where this missing payment is and what I can do to help and everytime I call I get generic answers like, " we will escalate the problem '', " we are waiting for the previous provider to respond '', or ( my favorite ) " I see the information you sent us but no actions have been taken yet. '' Right now I am on the second or third attempt of Loancare " contacting my previous provider '' but after doing this for months and never receiving a single call back from a supervisor or making any progress I need to find a new method to try to finally get this missing payment taken care of.