davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates purchased my debt after it had been written off. After I moved into my home they started knocking on my door and threatening me with legal action and until I agreed to a settlement and a settlement was offered for a partial payment in lieu of going to court, at the time I was in XXXX treatment. I was told this would not be added to my credit report and I have been disputing with them for the last 5 years to have it removed.
Consumer complaint received 2023-01-04
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. (NM)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXXXXXX 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 XXXXXXXX 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 2016-03-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

This collection agency calls very frequently. They not only call my cell phone, but the home phone, my parent 's cell phones and even my sister and brother-in-law 's cell phones. My dad received a call from them yesterday and they refused to say who they were
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX, XXXX, XXXX and Experian are all in direct violation of the FCRA laws listed below. 
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 2021-12-01
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. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the XXXX year history it is not uniform across the board which it should be...
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

In XX/XX/XXXX of this month XXXX XXXX advised me that a credit card had been issued ( in the form of appreciation ) in my name, which I had not receive or had applied for. I immediately notified XXXX and was advised that an investigating would be started and that they would notified the three credit bureaus. I notified each of the credit bureaus and ask that a lock or freeze be placed on my credit file. I was notified by each that this had been accomplished. In XX/XX/XXXX of this year I had a {$19.00} plus credit card charge for Experian prime service that I had not requested. I paid the {$19.00} but called Experian and requested that this service be cancel. In XX/XX/XXXX of this year I was notified by Experian that the block on my credit file had been remove, my credit score was decreased and my credit rating had been decreased. Experian advised me that this was done because I had cancel my primary service. Since I had experience an Id fraud I certainly do not think this was appropriate. I do not feel that I should have to pay $ XXXX for primary membership to have my credit file block or feezed. I certainly do not feel that my credit score and credit rating should be decreased because I canceled my prime membership.
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, have 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 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

I contacted the checkr company which is a background check provider to employers and it also being used by XXXX for detairmaining eligibility and it refreshes every years checks the eligibility based on the updated reports. XXXX been my main and only source of income for the past 3 years and on early XX/XX/2018, my XXXX account got deactivated due to number of violations which apparently was over a certain number that XXXX accepts and the source of information was checkr. I contacted checked to question it and find out the reason and I was told due to the number of violations I have on my driving record I am no longer eligible to drive for XXXX and was told I need to contact XXXX for any information. I obtained a copy of my driver 's record and noticed the number of violations on my driving record that was obtained from DMV website was different from checkr 's report. So I reached out to them and tried to file a dispute for the incorrect informations but they refused. I tried getting the supervisor on the phone and he confirmed that they are under FCRA and I asked him he requires by FCRA if the customer dispute an item on the report they have to investigate and if they can not verify they need to delete the items but he refused too and they didn't even let me file a dispute which is clearly against the FCRA regulations. Since early XXXX I lost my main and only source of income and lost all of my savings and been through a financial hardship to the point that I got a eviction notice and have no more money and no income and they all is because of the incorrect information that was provided by checkr to XXXX and also they refused to remove them or investigate a dispute. I reached out to them again and also provided them with a copy of another report from DMV website and asked them to investigate but again they refused and asked me for a original DMV documents and they do not accept copies of documents I have sent. I replied to them and notified them that they are the one who is require to have a original documents on file for each items they are reporting not me and also they have to investigate the issue that was disputed by me 3 months ago for the first time and recently again for the second time and notify me within 30 days of the resault and if they are verified they have to send a proof of verification which have not happened and they are clearly in violation of multiple FCRA terms. I sent them my final Goodwill and asked them to fix the issue and also settle the damages so I can recover from the huge losses they cause but did not receive any response from them.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-04
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. (LA)

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 / Account Number XXXX. XXXXXXXX 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  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 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (IL)

I refinanced my home loan with Better Mortgage Corporation in XX/XX/2021. Better Mortgage Corporation told me to pay my monthly payment to TXXXX XXXX XXXX and I made my payments to The XXXX XXXX. I made my XXXX mortgage payment to XXXX XXXX XXXX  on XX/XX/XXXX. I received a notification from Better Mortgage Corporation that my monthly payment after XX/XX/XXXX should be made to a company called XXXX. Better Mortgage Corporation agents told me on phone and via email that the payment will be taken over by XXXX XXXX and that I should create an account on their site and make all my monthly payment starting XXXX to XXXX XXXX. So I haven't missed any payment and I paid the correct amount to the XXXX XXXX XXXX. But now when I log in on XXXX XXXX website, it shows past due payment for XXXX. After waiting for hours on phone to speak to the payment company, they wouldn't help and they told me to contact my mortgage lender Better Mortgage Corporation. Better Mortgage Corporation is trying to charge me TWICE for the XXXX month. I have emailed and called Better Mortgage Corporation many times and I have emailed them proof of my payment for XXXX but they have been unhelpful. I believe they are committing fraud and trying to scam me.
Consumer complaint received 2018-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

XXXX XXXX XXXX XXXX date : XX/XX/XXXX Amount : XXXX Claim # XXXX This debt resulted due to the fact that the the XXXX XXXX XXXX failed to submit a claim within timely filing period as prescribed by the law and the providers contract with XXXX XXXX. It should be noted that I received service at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and they submitted a claim for the service received on XX/XX/XXXX on time and failed to submit a claim for the XX/XX/XXXX service and charged me for it. When I bought it to their attention they said they will file a claim with my health insurance company and that I shouldn't worry about it it, due to the fact that they had failed to submit claim on time. Only for them to later send it to collections.
Consumer complaint received 2018-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Works & Lentz of Tulsa, Inc. (OK)

I have received a letter XX/XX/2018 from Debt Collection Company : XXXX XXXX XXXX XXXX. about a debt that is not mine, it is result of Identity Theft.
Consumer complaint received 2023-01-04
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I applied for and received a mastercard from HSBC on or about XX/XX/2018. I activated the card online a few days later. I did not attempt to use the card until XX/XX/2018. I used the card to pay for a purchase at XXXX on XXXX XXXX XXXX in XXXX, Georgia and it was declined. I immediately called the HSBC customer service number shown on the card and after waiting on the line for over 30 minutes was told that there was a hold on the card but that she ( the person I was talking to ) could not do anything about it and I would have to talk to another department. She then transferred me to that department number where once again I was on hold for 20 minutes  before I terminated the call. The next morning I called the customer service number again and was told the same thing about the block but that the department that was responsible for resolving the issue did not work on the weekend and I would have to call back on Monday, XX/XX/XXXX, ( today ). 

Today, I have talked to the number that the customer service agent gave me and was told that they were not the right department and I would need to call another department. The agent also told me that the account could not be closed because of the hold on ; the account. I have now called that number and have been waiting for over an hour to talk to someone in the department supposedly that can resolve the issue. After waiting on hold for over an hour and 26 minutes I terminated the call without speaking to anyone. 

I want to cancel the card and end my relationship with HSBC but can not get to the right department to do that. The account has never been used and I am concerned that something could be put on the account and I will not be able to contact anyone about it.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (OK)

Amount : {$2200.00} Account : Elan Financial Services. i am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows. Date of birth XXXX SSN : XXXX. As proof of my identity, I have included copies of my identification social security number. If you are unable to verify the account with the original contract, the information should be removed from my credit report. Remove the fraudulent account Elan Financial Services.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

I am a federally protected consumer, as such I have the right to privacy. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. I am the executrix of my estate in the name of XXXX XXXX. Whereas I believe them to be a debt buyer, TRANSWORLD SYS INCXXXX must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, documents, and corporate records that pertains to accounts XXXX, XXXX, XXXX, XXXX ON THE PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent a letter to Trans Union Credit Bureau XX/XX/2019 asking them to remove a bankruptcy from my credit report because it's against the law to report this information they've obtained through a third party known as XXXX XXXX. Their response was they verified the information and refused to remove it from credit report.
Consumer complaint received 2019-06-26
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. (TN)

I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.
Consumer complaint received 2022-12-26
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. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I had an account with Synchrony Bank for an HVAC system. I was paying on time no problem. My mom was diagnosed with XXXX and moved in with me. I was paying her bills and mine. She died. I started fixing everything. Synchrony closed and sold my account to XXXX XXXX and XXXX XXXX XXXX worked with me to pay this debt off ( they were both kind and helpful ). They told me once it was paid off they would remove anything pertaining to this debt from all three credit bureaus under " Collection Accts '' & " Negative Accts ''. The account is still listed under " Negative Accounts ''. It says closed and balance XXXX  but it is still hurting my credit and I am desperately trying to obtain a loan for my daughters college tuition. I reached out to Synchrony Bank several times and been told that it is closed with a XXXX balance but they are keeping it on there for 7 years. I was told to dispute it - I did - nothing. I was told they don't own the loan anymore so they can not take it off. I don't know what to do. I am a hard working honest person who had a really bad situation. I work in XXXX XXXX and that is why my mom came to live with me so I could care for her until she passed. I had to cut back on shifts at work and fell behind. This wasn't a malicious event where I just didn't want to pay. I will attach all the documents.