davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nevada Credico, Inc. (NV)

A debt collecter from Quantum Collections called me on Wednesday XXXX XXXX, 2015 at XXXX. The represtative did not fully verify that she was speaking to the right person before she disclosed information about the debt. She only verified me by first name then she identified herself, the company who they were representing and the amount of the debt. After she violated not only the FDCPA, but also HIPPA I told her what she did and asked to speak with A manager or the call center director she said XXXX would not be available until after XXXX. The representative said she would pass my information along and have someone call me. I immediately sent an email. I did not get a response back from the company until Tuesday XXXX XXXX at XXXX after I sent another email the director of operations called me and said that he could not pull the recording and he had not spoken to the representative and what typ of resolve would I like.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion credit bureau has had an account on my report listed as " in dispute '' status for over XXXX months. Because of this I have been unable to secure a mortgage as the lender will not issue a mortgage to anyone who an account shown as " in dispute ''. They have been unable to tell me why it remains in that status and show no inclination to change it.
Consumer complaint received 2024-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Previously filed federal tax lien has since been withdrawn, see attached copy of IRS form XXXX ( sent to me from the IRS ) as initial proof of this. XXXX and XXXX have since removed the tax lien from my credit report, however Equifax still will not remove it even after XXXX disputes being initiated. 

They suggested contacting the filing office ( XXXX county ) for more information. i called XXXX county ( using the number that Equifax provided, ironically ) and spoke to them for a total of XXXX ; they told me that they do in fact show the tax lien as having been withdrawn, their document number for that withdrawal filing is XXXX ; said filing took place on XXXX/XXXX/2015 according to XXXX county, and both of the Equifax disputes were initiated after that date ... 

Considering that it took me less than XXXX minutes to locate the withdrawal document, and order a copy of it ( that is being mailed to me ), i fail to see how Equifax could have not been able to accomplish the same having had several weeks to conduct their " investigation ''. 

Equifax is a for-profit company that makes money selling my personal information, and they do n't even have the decency to report the correct information. How on earth can they be allowed to operate with such ridiculously low, and arguably negligent, standards? 

Equifax has already cost me time and money ( fees for documents ), and this only occurred due to their negligent " investigative '' behavior. They should be fined for this action! If i had the resources available, i would absolutely take them to court! 

i will continue to pursue all avenues available to me until Equifax removes the tax lien from my consumer credit report, as this is what the law requires and demands of them.
Consumer complaint received 2024-11-11
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. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-11-11
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. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/year> Balance Owed : {$710.00} Collection
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Sometime around late XXXX or early XXXX my wife got a notice from XXXX XXXX bank indicating that we owe on a credit card. we responding that we never had a XXXX XXXX credit card, but was taken to court. the case was dismissed in court but XXXX XXXX has been still trying to collect, using XXXX collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from Portfolio Recovery Associates trying to collect the same XXXX XXXX account. XXXX XXXX Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I called Kohls Credit Card Customer Service as I was trying to access my account online. I had missed a payment, which has never happened in my XXXX years of being a card holder. They refused to grant me access to my account or assist me in getting electronic access to my account so that I could pay the account online and refused to cancel the card when I demanded multiple times on the call to cancel the account due to the horrendous customer service I was experiencing. Credit Card companies should not be permitted to deny access to electronic account information for being XXXX days past due on a payment, which I could make in full but wanted access to my account.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXX XXXX {$330.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process your agency followed regarding the disputed accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I identified inaccuracies in the reporting of an account with XXXX. Specifically, I noticed that there were XXXX late payments inaccurately marked on my account. I would like to clarify that these payments were made on time and request that this information be corrected to reflect timely payments. Despite my previous dispute submissions, I have not observed any corrections or changes in the reporting, which continues to inaccurately reflect late payments on this account. 
Account Information : Creditor : XXXX  Account Number : XXXX Discrepancies : The alleged late payments are reported on TransUnion for XXXX and XX/XX/XXXX as 30 days late. However, I have consistently made timely payments, as demonstrated by the attached payment records. These records substantiate that my payments were made as agreed and are evidence of a reporting error. It is concerning that, despite my previous dispute, no adjustments have been made to correct this information. 
Reference to FCRA Compliance and Accuracy : As outlined in 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should accurately reflect the transactions between myself and the reporting entities. Late payment reporting inaccurately reflects my payment history and misrepresents my adherence to the account terms. 
I kindly request that you provide a description of the procedure used to investigate and verify this account. I also ask that you include documented proof of the late payments if available, detailing dates, amounts, and relevant communications supporting these claims. In the absence of valid proof, I expect the credit reporting to be corrected promptly. 
Request for Corrective Action : If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I ask that the account status be updated to " Paid As Agreed Never Late. '' As required by the FCRA, I request a written response within 30 days of receiving this letter. Failure to provide a timely and compliant response will be considered a violation of the FCRA. 
Your cooperation in ensuring the accuracy and fairness of my credit report is crucial. I look forward to a prompt response and a resolution that aligns with the FCRA and the Truth in Lending Act. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX charged a {$29.00} late fee and interest of {$15.00} at a rate of XXXX XXXX. They were willing to refund the {$15.00} interest charged, which we havent actually seen yet, but refused to refund the {$29.00} or even reduce it to the {$8.00} new law. 

We were only XXXX day late in making our payment and we always pay our balance in full every month! When we asked for a courtesy XXXX time waiver, we were denied because XXXX stated we had asked for XXXX in XX/XX/XXXX, even though we explained that was the previous year ( XXXX ), and always during our busy time- XXXX through XXXX. We also tried explaining that credit card bureaus and companies usually run XXXX through XXXX. Additionally, we squawked about the {$29.00} late fee, and mentioned that the new law stated it could only be a maximum of {$8.00}, but were told by XXXX that they were giving it to new customers, but to older account customers- like us- it hasnt been put into effect yet. XXXX also stated that they ( referencing herself and her cohorts ) were given the Option to do this ; that the system would not allow her to do this for us, and it did not explain why, yet she would not XXXX us the XXXX wavered late fee of {$29.00} or at the new law established rate of {$8.00}. 

We were denied a XXXX time late fee waiver, and/or a reduction to a maximum of an {$8.00} late fee, so we are being charged a {$29.00} late fee. Lastly, we asked her to explain where it states that their annual year runs from late fee to late fee waiver versus a XXXX through XXXX calendar year, but she would not elaborate. We also asked to talk to a supervisor, whose name was XXXX and he was as rigid as XXXX! 



XXXX XXXX Account ending XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Recovery Solutions Group, LLC (IN)

I have asked for information regarding their legal representation. I have asked them to stop contacting me. I am in XXXX  3 days a week. I am dealing with an extended health issue. I have asked them to stop calling me. I am dealing with a number of financial issues related to my health and do not have time or resources to deal with this communication at the moment and not even certain if it is mine. I have been notified by fraudulent individuals in the past who have been this demanding. I have had over XXXX XXXX  scammed from my bank account. These people are harassing and threatening me. I have asked them to show me that they represent the company that issued the agreement. I have asked for proof that they are indeed the representative and have the legal right to contact me. I did not request my contract. I requested their contract. Are they the legal representatives or brokers trying to broker a deal and XXXX  me at the same time. 

XXXX rom : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Subject : RE : XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Enforcement is underway XXXX  # XXXX XXXX XXXX, Attached is the contract that you requested. Again, this matter falls under the guidelines of the Uniform Commercial Code as it is a Commercial Debt. Therefore, regrettably, I can not comply with your requests as they are addressed by the Fair Debt Collections Practices Act of 1977 ( Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 ). Since this is not a Consumer Debt, the FDCPA does not apply in this instance.

Per the conversation with the UCC Enforcement Department this morning, you have until the end of the day today for this to be resolved with funds payable immediately, if not the client is requesting that we escalate the claim. 

XXXX XXXX | Recovery Specialist Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Direct XXXX Fax XXXX www.rsgcollect.com Pay your bill online : https : //rsgcollect.com/payment
Consumer complaint received 2024-11-11
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I filed an identity theft report with the FTC, naming an account with JPMCB ( XXXX XXXX ). Despite repeated disputes and CFPB complaints and an ID Theft report, XXXX and XXXX have failed to remove the tradeline, while XXXX deleted it promptly. JPMCB has also not addressed the identity theft properly, continuing to report the inaccurate account without validating the alleged debt, in violation of the FCRA and FDCPA. Despite requesting a cease in communication, unauthorized reporting persists, causing ongoing harm to my credit profile and significant stress.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. ()

I am currently residing in XXXX and would like to get my annual ffree credit report. But the website is not available from myLocation. I called the number given XXXX, butThere is no assistance to talk. The access to website mustNot be restricted from the location where I live. Let me knowthe best way to get my report.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.