davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Every month for the last XXXX years Portfolio Recovery Assoc. has ran an Account Review inquiry { s } on my XXXX  and XXXX credit report. I do n't have an account with them, and even if I did - the XXXX year negative reporting time window would have towed. For example XXXX XXXX, XXXX Portfolio ran an AR on my XXXX report. There were two ran on my XXXX report in XX/XX/XXXX. Plus the phone calls need to stop. It is like they are waiting for me to make a large purchase or something. Please help! 

Portfolio Recovery Assoc. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-06-22
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: EQUIFAX, INC. (TX)

XXXX   XXXX  used a hard inquiry on my credit report. I do not have a  XXXX  account.   However my name is associated with my mothers account and I changed from  XXXX  to  XXXX  and there is no reason for them to have run a hard inquiry on my credit.   In fact after cancelling the account she had no contract they still took money out of her account for the next month when the service had been discontinued. The service however is under her name and she pays for it. So again there should be no reason  XXXX   XXXX  filed a hard inquiry under my credit.
Consumer complaint received 2024-11-07
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. (TX)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2024-11-07
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. (OH)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-07
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 have been the victim of my personal information being exposed to the public as result of several data breaches. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (TX)

The number they are calling from is XXXX ( leave a message to call back at XXXX ) and says her name is XXXX ( with a real thick Jamaican accent and they have left several messages and/or spoke to with not only me, work place of employment, my family and friends. They refuse to state the company they are working for. I have told them to stop calling and told them to send me all the information in writing. They refuse and say they will get an arrest warrant for me. They even called my family member who is a police officer and he explained that he is an officer and that they ca n't arrest for debts. She was so rude and telling him yes they can so he asked to speak to a supervisor and she said there is n't one there but they have a police officer there he could talk too. My family member so ok, he would love to talk to the police officer that was there and she cussed at him and hung up. 

They have also called other family and friends stating they are filing papers through my county and will be arresting me. 
I do n't even know what this is for or about because they refuse to send me anything in writing or give any of their company information.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo Bank and requested a letter to include dates on which they contacted me prior to sending my savings accounts money to the State of Texas. I received a letter from Wells Fargo dated XXXX XX/XX/XXXX. 

Wells Fargo Bank stated they mailed me a letter on XXXX XX/XX/XXXX. I did not receive any letter from Wells Fargo Bank on or about XXXX XX/XX/XXXX. Wells Fargo stated they mailed me a letter on or about XXXX XX/XX/XXXX. I did not receive any letter from Wells Fargo on or about XXXX XX/XX/XXXX. Finally, Wells Fargo Bank stated they mailed me a letter on XX/XX/XXXX. I did not receive any letter from Wells Fargo on or about XXXX XX/XX/XXXX. 

Obviously, I was not notified by Wells Fargo Bank they intended to send my savings account to Texas unclaimed property. Wells Fargo has no proof of letters being sent to me as they did not even once send me a letter by certified mail. I strongly suggest that when an institution intends to send savings account monies to unclaimed propery ; they be required to notify the account holder by " certified mail. '' The employee I spoke to at Wells Fargo began listing off about a dozen dates, speaking very rapidly ; I told him to slow down with his speech ; he refused asking if I would let him finish what he had to say. He asked me if I had ever dealt with the USPS. Yes, I have sent thousands of letters via USPS with positive experience. To me, it appears Wells Fargo has a problem with their own internal mail room.
Consumer complaint received 2017-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, XXXX and they completed the request on XXXX XXXX, XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2024-11-07
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. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EMCC Holdings, LLC (MD)

Case # : XXXX XXXX XXXX XXXX , XXXX. 
ACCOUNT NUMBER XXXX LOAN NUMBER XXXX Sent on : XX/XX/XXXX STATUS : Company responded the complaint does not belong to them on XX/XX/XXXX Dear CFBC team, Thank you once again for your kind assistance. XXXX XXXX XXXX , XXXX. s response leaves us a little confused based on the following premises : 1.If the complaint does not belong to them as they boldly claim, then why did they accept our certified mails and signed all three return receipts? 
2. If we had no business with them then why did they give us an account number in the first place? Why are our business transactions recorded in their books, why do they send us financial statements? 
3. If the foregoing argument has all true premises and a true conclusion, then it is valid and we have reasons to believe that : XXXX XXXX XXXX , XXXX. s response is a false statement made to a federal agency and certainly constitutes federal lying statutes contained in Title 18 of the U.S. Code Section 1001 which states that : Whoever, in any matter within the jurisdiction of any department or agency of the United States knowingly and willfully falsifies, conceals or covers up by any trick, scheme, or device a material fact, or makes any false, fictitious or fraudulent statements or representations, or makes or uses any false writing or document knowing the same to contain any false, fictitious or fraudulent statement or entry, shall be fined not more than {$10000.00} or imprisoned not more than five years, or both. 
We do recognize the dependability and reliability of the United States Postal Service ( USPS ).  Please find attached proof from the USPS and act accordingly. Thank You
Consumer complaint received 2024-11-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

My previous apartment management wrongfully sent my account to collections despite fulfilling my lease obligations and providing proper notice for lease termination. 

Detailed Explanation of the Issue : XXXX. Lease Information : Property Name : XXXX apartments ( XXXX XXXX XXXX XXXX XXXX, Texas. XXXX XXXX XXXX XXXX ) Debt Collector : Innovative Recovery ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tx, XXXX ) Lease Start Date : XX/XX/XXXX Lease End Date : XX/XX/XXXX Notice of Move-Out Submitted : XX/XX/XXXX Lived on a month to month basis until my move out date XX/XX/XXXX. XXXX in XX/XX/XXXX 2. Notice Submitted : I provided the required 30-day move-out notice on XX/XX/XXXX, as per the apartment lease agreement. This notice is recorded in the propertys system, which I have a screenshot of as evidence. 
XXXX. Dispute with XXXX XXXX : Despite following all proper procedures, the property management wrongfully sent my account to a debt collector, claiming I failed to provide notice. 
The debt collection amount is {$1100.00} This claim is inaccurate and has caused unnecessary financial stress and damage to my credit report. 
XXXX. Evidence Provided : I have attached the following documents for review : XXXX of the apartments system showing my notice date of XX/XX/XXXX. 

Correspondence with the property management company disputing the debt.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2017-06-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have file numerous complaints about select portfolio - they continue to harass and threaten me with foreclosure - they lack standing -they are not a real party of interest -nor do they have LEGAL documentation re : chain of title -and can not show perfected title. I have sent numerous request for quality written responses and they will not answer the questions asked. Instead they contact me via landline one day they want to know what my intentions with my house are ....??? then a few days later they call and state they have approved me for a loan modification??? then a few days later they call and say I am out of options only cash for keys now and they will be foreclosing and leave the home broom clean!!!! XX/XX/XXXX XXXX XXXX called from sps- re loan modification XX/XX/XXXX XXXX XXXX called from Sps-Re cash for keys no other options XX/XX/XXXX XXXX XXXX called from Sps Re leave home broom clean we will be foreclosing XX/XX/XXXX XXXX XXXX called from Sps Re : postponement of foreclosure was set for XX/XX/XXXX now postponed to XX/XX/XXXX- When I asked him the reason for the postponement he stated " There is just too much going on ''??? then in the mail i receive from sps the notice of postponement ( see attached ) I also receive from XXXX XXXX the company hired to do the foreclosure - 4 registered letters are postponement to XX/XX/XXXX for sale. ( see attached ) ) and now when I checked XXXX XXXX website re : my home the date is XX/XX/XXXX??? why the different dates??? there is no lender listed on file with foreclosure sale??? XXXX XXXX as well as Sps do not have the legal standing to foreclose on my home nor does XXXX XXXX XXXX XXXX XXXX ( never my lender ) - these three companies do not have legal standing, nor are they a party of interest - they do not even have the correct information, deed, promissory note - etc -what they have produced have been forged documents -wrong forged documents -the deed is invalid-there is no indebtedness to them and they have no authority to foreclose Sps continues to commit elderly abuse-violating the truth in lending act-forged documents -and has been illegally attempting to take my home for 12 months ....
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-11-07
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. (LA)

" 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 2024-10-17
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-07
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. (AL)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX and list of Inquiries 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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations