davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (MO)

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 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with 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 in those account 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 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 2024-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OR)

In XXXX I had a returned payment. I didnt realize I was a XXXX or so short due to unexpected payments out of my account. By the time I realized Istill needed to pay, it was too late. I called, and scheduled another payment. At this point I wasnt aware of fees and such and payment was returned again. that month I offered them right then and there XXXX and they wouldnt take it. Refused. Then a few weeks later, again. I called and offered XXXX and said Id be current within the month. Nope. XXXX tried convincing me not to pay and is having some assistance place call me. I said, no! I do not want that. Just tell me how to pay. He just ignored my request and kept taking. I said XXXX XXXX is being sued for refusing payment, dont do that. Just let me pay.he says, Im not refusing payment. I said, well you havent given me an option to pay so, you kind of are. He continues until Im yelling and finally gives me wire transfer information, and says its my only option to pay them.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (NC)

This is a Trust action against the credit card company, American Express. The company listed is Trustees with a fiduciary responsibility to act in the best interest of the beneficiary which is me. This action is evidenced by each company having my U.S. Government contract number better known as the social security number. So, if any debt is allegedly owed it has already been paid according to house joint resolution 192 of June 5th, 1933. If the debt is not removed and my credit report cleared immediately, I will begin the process of charging each company with malfeasance, misfeasance, peonage, breach of Trust, gross negligence of fiduciary responsibility. I attempted to settle the debt by submitting the coupon remittance for each company.
Consumer complaint received 2024-08-06
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (AR)

a phone number ( XXXX ) XXXX is contacting me telling me that they are MRS BPO LLC ( a debt collection agency ) and are claiming that I have an unresolved matter with XXXX  ( I have never had any services from XXXX  ) upon replying to chat, I was then texted by another number ( XXXX ) XXXX asking for my personal information. I refused to give it and demanded to know who they were and why I was being contacted. They refused to answer without me giving them any personal information.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Analysts of MN, Inc. (MN)

I have an ongoing issue with an outstanding hospital bill that I am refusing to pay. 

On XXXX XX/XX/year>, I went to XXXX XXXXXXXX XXXX XXXX for a XXXX ( most likely XXXX XXXXXXXX from previous trip to XXXX ). I was seeking to see a doctor for simple medication. Soon after I was admitted to the triage room and when asked if I had insurance ( I said yes ), they admitted me into ER. There, I was subjected to an XXXX XXXX ( where no blood was drawn or any glucose injected ), CT scan and XXXX hrs. of my time. The result was simple nothing wrong/ no dehydration/ no blood work result, suspected food poisoning. I was handed a script and left. 

This procedure was totally unnecessary, I was exposed to unnecessary XXXX from CT scan ; they did not listen to me when I requested, I just need to see a general practitioner for a script. 

The hospital bill is {$2100.00}, and a will not be paying it. I will of course, pay for my urgent care visit as expected of but not the ER component. 

I keep getting letters from different dept XXXXllectors, no one at XXXX can help me or put me in touch with some who I can complain directly.
Consumer complaint received 2024-08-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

I was notified by my credit watch company of a new debt collection on my credit report for an account that i never had. The company appears to be XXXX that sold the debt to Mrs BPO LLC for {$320.00} for an account opened on XX/XX/year>. I have never done business with XXXX  nor do I recognize the collection. I did notify XXXX of the dispute to be filed with the debt collection company as they are requesting a debt to be collected from someone who does not own it. I have been a victim of Identity theft and keep a close eye on my accounts and credit reports which are frozen so no new credit should have been opened without them attempting to contact me directly. The original creditor must have opened an account without verifying my credit and contact information at the time of account creation as the fraud alert would have been presented.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I looked at my report and noticed some things are in accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report is your follow reasonable procedures to assume that the maximum possible accuracy of the information concerning the individual about whom the report is related to such as XXXX XXXX is not complete accurate XXXX accounts appears on my consumer report. The first amount is {$2000.00}. The second amount is {$6300.00}. The third account is {$5600.00} according to 15 USC section 623 you have 30 days to do it a responsible inquiry into the matter if you ignore this letter and do not delete the inquiry or do not provide strict proof of authorization. I will have no choice, but to have my local congressman promptly for a formal complaint to the federal trade commission and attorney general for furthest scrutiny in this matter.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

On XX/XX/year> a transaction was made for XXXX for the amount of {$71.00}. I have filed claims with XXXX in which they were not able to refund the funds because they are stating it was done with no error. My card information was stollen and used with a guest XXXX account in which I also filed a claim with XXXX. I do have a XXXX account and when my card information was used they sent me an email. I provided all information to chime and my claim was denied. They act as if it is a verified transaction because my card information ( That was stollen ) was used with my name. On the XXXX receipt is blatantly shows a mans name that lives in XXXXXXXX XXXX  that used my card information to make a transaction on XXXX. chime has given me no support with this and is refusing to give my money that I have in my bank account that was an unauthorized. I have even filed a police report upon having the persons name and address.
Consumer complaint received 2024-07-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation (NC)

Albert has an instant withdraw from my personal bank at a percentage into their ( my ) account under Savings. When I realized this was happening I contacted them to have this stopped and to have the money transferred back to my bank account- Albert support provided directions on how to transfer it ( ie " link accounts '' ). I attempted to do as directed which was provide all bank statements but it has not worked after multiple attempts. I have told Albert support this and asked to have it transferred back on my behalf which they will not. I have also asked to have Albert send me a debit card on priority with tracking ( because now I do not trust them ) so I can extract the money myself but they will not do that, they still provide me instructions on how to do it. The instructions provided are not true to what I see on the app. I also have Albert Cash which is the loan amount remaining that needs to be transferred out as well since I paid the full amount back. Albert owes me {$3.00} Cash and {$39.00} Savings, totaling to {$42.00}.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This is on my credit report. This is how I initially found out about this fraudulent debt they claim belongs to me. This is not my debt and they can not prove it is mine. I have asked for proof and they have sold it so many times they do not have the appropriate paperwork to prove this is mine. I want this removed from my credit report. It is on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. How can this be legal to do this. I have requested multiple times proof of ownership and they fail to send me the correct documentation. I demand this be removed from all three credit reporting agencies This debt apparently originated in XXXX  and that is how long this foolishness has been going on. Every time I submit a dispute or complaint they start the clock over again, meaning the date of debt starts fresh with each complaint, I want this removed immediately or I will hire an attorney
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (TX)

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OR)

Experian keeps filing up reporting information on my credit report they had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but for some reason its not on there anymore XXXX needs to be placed back on my info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as its personally causing harm to accounts that should be reporting but with this missing XXXX XXXX XXXX needs be fixed ASAP so accounts report
Consumer complaint received 2024-07-09
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. (FL)

Dear credit bureau 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 Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-09
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. (NC)

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit report ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Consumer complaint received 2024-07-09
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-07-09
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)

I never recalled being late on any of these accounts. I am 100 % sure that I was never late on any accounts. However, XXXX, Transunion, and XXXX is reporting lates on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and these creditors are reporting inaccurate information and neither of these credit agencies is verifying the accuracy of this incorrect information. 

Also, there is 17 inquiries that is not mine or wasn't authorized by me and I need these inquiries removed from my credit file for this fact. The following inquiries was not authorized by me XXXX XXXX XXXX XXXX XXXX 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME.
Consumer complaint received 2024-07-09
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-07-04
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX