davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise Credit Services is trying to collect on a paid account for XXXX XXXX XXXX. They was confusion on equipment being returned that was claimed they never received. I sent XXXX XXXX XXXX proof on XX/XX/2021 from XXXX  that the equipment was returned and the account was credited the amount Sunrise is trying to collect. They are reporting to all 3 bureaus a outstanding collection.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

I asked the mortgage company if I can pay my own taxes and insurance and not escrow anymore. I called my XXXX XXXX XXXX The Money Source, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CT XXXX in XX/XX/XXXX. I was told that I could if my Loan-to-Valve LTV was under 80 %. I told them it was as my home 's value is {$500000.00} and I owe {$230000.00}.

46.5 % LTV. The Money Source said they have my LTV was 81.3 % and that I still was paying PMI on the loan. I told them that I pre-paid all of my PMI when I originally took out my mortgage in XXXX, before they bought my loan from my original lender. I have called this lender in XXXX, XXXX, XXXX and XXXX in XXXX. I have sent them the builder 's appraisal sheet for my house in my sub-division showing my house now sells for {$500000.00}. The Money Source is telling me that I still have PMI on the loan, but I am not paying any PMI and my records on line don't show any PMI payments being made. Like I stated earlier, I pre-paid all of my PMI when I took out my loan originally. Please help me have them close my escrow account so I can pay my taxes and insurance myself. I have made every 71 payments on time with Money Source. My escrow started at {$500.00} and has gone from {$370.00} to {$1100.00} per month.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with 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 in ( MONTHS REPORTING LATE ) 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.

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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is infuriating, my new credit applications are getting turned down due to the inaccurate reporting being done on my credit. I am rebuilding my life and score and have met all my financial responsibilities, but just because of these errors it is stopping me in getting approved for loans which furtherly impacts my life negatively in all aspects and in achieving financial freedom.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I received my first statement from Portfolio Recovery Associates, LLC dated XX/XX/XXXX, stating that I owed {$290.00} in regards to an outstanding account after I made two purchases at XXXX XXXX in XXXX. Upon further review of all my records, this is what I was able to deduce : 1. I never received any statement ( s ) from XXXX XXXX at my address after these last two purchases were made and now i know why. Portfolio Recovery sent me a copy of an XXXX XXXX statement with a due date of XX/XX/XXXX which i had never received as it was sent to the wrong address ( XXXX instead of XXXX on my street ). 
2. From Portfolio Recovery, i also received a copy of a letter dated XX/XX/XXXX stating that XXXX XXXX  had sold the account to Portfolio Recovery. This letter was mailed to the wrong address ( XXXX instead of XXXX on my street ), and i never received it either.

3. Portfolio Recovery must have researched as i received their first statement dated XX/XX/XXXX to my correct address. 
As notes on my account specify, immediately after I read their letter, I had a few phone interactions with Portfolio Recovery regarding this outstanding account and attempted to sort out what had happened. As such, the account ended up in a status of being disputed as specified on their second statement dated XX/XX/XXXX. 
After researching my past bank statements and resolving the fact that I do have two XXXX  XXXX Visa cards ( one of which I never activated ), I do acknowledge that I did make two purchases at XXXX XXXX in XXXX for the total amount of {$88.00}. On XX/XX/XXXX for {$3.00} and XX/XX/XXXX for {$84.00}. Not having received any statements from XXXX XXXX and not having received any collection letters from XXXX XXXX, I was unaware that these two purchases were left unpaid. After receiving two Portfolio Recovery statements and various dispute resolution phone calls, I sent a check ( # XXXX ) dated ( XX/XX/XXXX ) for {$88.00} ( the amount of both original purchases ) to Portfolio Recovery in anticipation of resolving this matter quickly. As I never received any XXXX  XXXX statements and as I never received any collections letters until this one, I did not include any of the {$200.00} in accrued interest ( which is still outstanding and I am disputing ). 
I contacted the XXXX XXXX XXXX XXXX  in my city, XXXX NM and they advised me to contact you to register a complaint. They also suggested that I get my credit report to see if Portfolio Recovery had posted any adverse information. They have. Until this adverse report from them I have never received a bad credit score in my life. There is literally 32 pages of positive credit reports and the one from Portfolio Recovery ( which will remain for the next 7 years ). I feel this company was exploitive with me and over multiple phone calls made no attempt to compromise on the amount due. The interest due has thus accrued to a whopping {$200.00} which i believe to be unconscionable. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-09-11
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. (NJ)

I have an account on my credit file that is due to identity theft ( XXXX # XXXX ) that should have been removed. Also I have a bankruptcy reporting that was stated it was verified when in fact it wasn't. I was told that XXXX XXXX verified. Then I was told that the courts verified. Both did not verify this. Also it is an incomplete docket # which is also a violation under FCRA.
Consumer complaint received 2024-09-11
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. (FL)

I have sent disputes to XXXX, XXXX, and Transunion for the last 5 months. I have not recieved any response. I have attached a XXXX bureau table showing all of the errors in my accounts. Please investigate, update, or delete the following accounts. Thank you.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had a credit card dispute with XXXX XXXX XXXX XXXXXXXX XXXX. in XXXX. XXXX XXXX charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago. 

Recently, a SECOND third party debt purchaser, PORTFOLIO RECOVERY ASSOCIATES, purchased the account on XX/XX/XXXX and has made attempts to collect. 

I called the original creditor, XXXX XXXX XXXX XXXX XXXX. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX  and opened a case regarding fraudulent activity on my credit report. ( XXXX  Report Number is available ). XXXX  Fraud Agent, XXXX, ensured the company would contact both XXXX XXXX XXXX  and Portfolio Recovery, requesting my usage/activity as well as the ORIGINAL date XXXX  XXXX discharged the debt. 

XXXX  contacted me XX/XX/XXXX after ONLY contacting PORTFOLIO RECOVERY who generated the activity they reported since their purchase on XX/XX/XXXX. 

Personally, I've had only XXXX XXXX  card for the past nine years. By demanding the charge off date from XXXX XXXX XXXX XXXXXXXX XXXX, you will see how long the account has been on my account. XXXX  basically didn't do their job and the fraudulent account remains a blemish on my credit score.

In summary, if I could have access to XXXX XXXX XXXX XXXX XXXX and the date they charged off my account, it would prove PORTFOLIO RECOVERY ASSOCIATES purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.
Consumer complaint received 2024-09-11
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

I am aware and have proof in attachment labeled as Exhibit A That Credit Collection Services violated 5 Federally Protected Consumer rights pursuant to 15 USC1692b, 1692b ( 2 ), 1692b ( 5 ), 1692c ( a ), and 1692d ( 2 )
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX/XXXX continues to provide inaccurate information to the Credit Reporting Bureaus. The latest is that I resided at XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX. 

This is the THIRD time XXXX has reported incorrect information. I never have lived at this address. Ever. Ever. Ever. 

I have no idea why this financial institution ( XXXX XXXX  ) is allowed to continue to operate unethically. On the XXXX  site, XXXX XXXX ranks 1.04 out of 5, as continue to destroy consumer credit records with complete abandon towards the impact of the small consumer. 

This is fraudulent reporting, again, by XXXX XXXX.
Consumer complaint received 2024-09-11
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX  XXXX XXXX Balance {$860.00} XXXX XXXX XXXX  XXXX Balance {$260.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX  XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX  XXXX  XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to XXXX XXXX in the amount of {$910.00}. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing information that I deem to be private in nature. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with a notice of debt as required by the law and did not give me any information about how they verified this false information when I requested validation of the debt. Plus, they can not verify something that is flat out against the law. 

Please assist me in correcting these blatant violations of federal laws that serve to protect consumers as these violations are gravely impacting the quality of my and the lives of my family members. 

Thank you in advance!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

In XXXX of XXXX, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions.
Consumer complaint received 2024-09-11
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. (NJ)

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 2024-09-11
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. (GA)

I DIDN'T OPENED THIS ACCOUNT I NEVER GAVE ANYONE PERMISSION TO OPEN A XXXX XXXX XXXX XXXX XXXX IN MY NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WAS NO LONGER LIVING THERE AT THE TIME THIS ACCOUNT FRAUDULENTLY OPENED. I MOVED OUT OF THAT ADDRESS ON XX/XX/XXXX.
Consumer complaint received 2021-04-27
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)

XXXX  DELETED THIS BANKRUPTCY FROM MY CREDIT REPORT YEARS AGO BUT TRANSUNION AND XXXX  STILL HAVE IT ON MY CREDIT FILE.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

I have sent PDQ services several letters in the mailing ask them to send over a contract. They have all mentioned that they have sent over an itemized bill, which is unacceptable. Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified ; you are obligated by law to remove the item. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. This needs to be deleted from my credit report immediately!
Consumer complaint received 2024-09-11
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. (IL)

I am currently conducting a fraud investigation concerning THIS account and would appreciate your cooperation in providing the necessary documentation. I am requesting the following information to assist in my ongoing litigation with other companies related to violations of my consumer rights, HIPAA laws, and FDCPA rights : 1. All references of payments made on the accounts.

2. Addresses associated with the payment sources used.

3. Payment records and sources of payment.

4. Telephone numbers used in connection with the accounts.

5. Any documentation or information tied to the creation and maintenance of this account. 
Please provide the requested documentation within the next 10 days to support my investigation. Thank you for your prompt attention to this matter. I look forward to your cooperation. If you choose not to participate in this investigation, I expect this company to remove the fraud account.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.