davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IN)

Debt validation.Contacted company asked for detailed history of all payments made by myself asked to be shown signature of original contract as well as contact with Midland credit management stating I would guarantee payments to this creditor.Asked was any insurance claim made in this debt.And finally proof they had chain of title to collect on debt and date that they took ownership of account and contacted me.Spoke with several people last person was XXXX XXXX who stated I would receive it in the mail it's in medium package.
Consumer complaint received 2024-08-22
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. (MN)

I received my credit report on XX/XX/year> ano notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA 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. I also asked for the original contract to be provided and it was not.
Consumer complaint received 2024-07-15
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone : XXXX Email address : XXXX Subject : Formal Complaint Regarding Collection Accounts on Credit Report Complaint Details : Account Information : Creditor Name : XXXX Account Number : XXXX There are inaccuracies on the dates that the account was opened. 

Creditor Name : XXXX XXXX  Account Number : XXXX There are also inaccuracies on when the account was opened and the current status of the account Creditor Name : XXXX XXXX XXXX Account XXXX Issue Description : I am filing this complaint to dispute the collection accounts listed on my credit report from the aforementioned creditor. These accounts are negatively impacting my credit score and financial well-being. I believe the creditor has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S. Code 1692g - Validation of Debts : Under 15 U.S.C. 1692g, I have the right to request debt validation. I have not received proper validation of the debts from the creditor. The collection agency is required to provide verification of the debt, including the original creditors name and address, and a copy of any judgments. To date, I have not received any such validation.

2. 15 U.S. Code 1692c - Communication in Connection with Debt Collection : According to 15 U.S.C. 1692c, the collection agency is restricted from communicating with me at inconvenient times or places without my consent. The collection agency has contacted me at inappropriate times and/or places, which I believe is a direct violation of this provision.

Documentation : I have attached the following documentation to support my complaint : 1. Copies of my credit report showing the disputed collection accounts.

2. Any correspondence between myself and the collection agency regarding debt validation requests.

3. Records of communication attempts made by the collection agency, including dates and times.

Request for Resolution : I respectfully request the following actions to resolve this issue : 1. Immediate removal of the collection accounts from my credit report due to the failure to validate the debts as required by law.

2. Cease all communications from the collection agency regarding these accounts. 

Signature : XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IA)

XXXX XXXX XXXX ( XXXX file ) XXXX XXXX XXXX ( Experian file ) appeared on my credit report dated XX/XX/year>. 
I didn't authorize any inquiry about my credit. 
Contacted the XXXX XXXX at the dealership. They sent a letter on my behalf to XXXX and Experian requesting the deletion of the XXXX XXXX. I also sent a certified letter to XXXX and Experian requesting the deletion of the XXXX XXXX.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

PayPal has a policy of auto-receiving and auto-passing along " bills '' or " invoices '' from phishing/scam/fake billers who claim to be legitimate ( i.e. XXXX, XXXX XXXX, etc. ), onto PayPal consumers/users. I've received XXXX separate " auto forward bills '' from " XXXX '' and " XXXX XXXX '' that claim to be PayPal-linked and that i will be charged for whatever they are showing in the " bill '' in the last XXXX weeks. PayPal has a policy that if the consumer/user doesn't object to the " bill '' by a certain period of time ( usually 2-5 business days ), PayPal will charge the user/consumer digital wallet ( typically a credit card on file, mine is tied to my XXXX XXXX ). See reference : PayPal Invoice Scam XXXX XXXX XXXX XXXX XXXX. I've been trying to close my PayPal account because I figure if I close the account, I should stop getting fake PayPal connected invoices. Because I have an open dispute with XXXX ( XXXX XXXX XXXX around XXXX  and I didn't know it until recently ) and XXXX was tied to my PalPal wallet and someone hacked a hop-point ( Internet of Things devices in my house such a XXXX XXXX ) and ordered XXXX movies using my XXXX account. I closed my XXXX account and change the PayPal digital wallet-linked-card from XXXX XXXX to XXXX XXXX. XXXX recouped my money ( refunded me ) and closed the case then issued me a new card. XXXX said it was my fault because I had a linked device to XXXX ( which I don't recall doing, so I had to disable that ) so told me they were not refunding me. PayPal then just " let things happen '' ( when I discovered the auto-invoicing scam ). It was after I got back from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX so watch and scrutinize all my billing and digital activity ) that I started getting almost twice weekly fake invoices routed to/through PayPal. PayPal has auto-reacted ( each forwarded phish/fake invoice the XXXX  tool PayPal uses auto sends a response telling me the standard XXXX things ), but when I try to get a hold of a real person, I keep getting directed to a chat-bot. When I do get a response from I presume a human, it says " we are still working to resolve the issue '' ( the XXXX XXXX even though XXXX stated they " closed '' the case that occurred in XXXX ). I feel, because of what PayPal is allowing to happen within its own server-network, that it is an unwitting accomplice to criminal phishing and fake invoice scams which can potentially harm those less aware of such activity and that PayPal owes it to its consumers/users to do more to protect them from such scams.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (IL)

XXXX XXXX XXXX XXXX violated my hardship agreement. The agreement was for monthly payments in the amount of {$410.00}. 
In the last 2 months I had a total of {$1400.00} withdrawn from my checking account. ( {$410.00} XXXX + {$630.00} auto pay ). They are claiming that my auto pay was not cancelled in time however, they revoked my ability to cancel my auto pay. 
I requested to have the unapproved auto pay payment ( {$630.00} ) returned to me as my account is in good standing but they refused/rejected the request.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I am being contacted by portfolio recovery XXXX XXXX XXXX XXXX XXXX, VA XXXX about a debt to XXXX that I do not believe is my account. The last 4 of the acct that portfolio recovery has on there website is XXXX they do not have the full account number available on there website. I have attempted to dispute this debt multiple times with no resolve. They are saying I owe XXXX and that the account was opened on XX/XX/XXXX and acquired by them on XX/XX/XXXX. I am requesting debt validation on this debt and I am also requesting the ORIGINAL CONTRACT on this debt and if they can not provide this I am requesting that this be removed from all 3 credit bureau immediately. I am also requesting the amount that they bought this supposed debt for and how much there fee that they added to the debt is. I am also requesting this in writing only through the CFPB. they are not to contact me through phone contact. All contact must come through the CFPB. 
My contact info for them to look the account up is XXXX XXXX Phone number XXXX Address XXXX XXXX XXXX XXXX XXXX, AR XXXX Last XXXX of social XXXX THIS I AN ATTEMT TO RESOLVE A DEBT THAT I DO NOT BELIEVE IS MY DEBT IF YOU CAN NOT PROVIDE THESE DOCUMENTS BY LAW YOU HAVE TO DELETE THEM IMMEDIATELY OR FACE POSSIBLE LAWSUITS.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

I am writing to file a formal complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by National Credit Systems. This complaint involves a case of identity theft and the failure of National Credit Systems to properly verify the ownership of the debt before reporting it. 

Here are the details of my complaint : The original creditor for this debt was XXXX XXXX XXXX XXXX. The debt was charged off and closed by XXXX XXXX XXXX XXXX. before it was sold to National Credit Systems, a debt buyer.

Despite the fact that the debt was charged off and closed by the original creditor, National Credit Systems has been reporting this debt as open and active on my credit report since the purchase. 

I requested validation of the debt from National Credit Systems, but they failed to provide sufficient evidence proving that this debt belongs to me. It seems that National Credit Systems merely relied on the information provided by XXXX XXXX XXXX XXXX. without conducting proper due diligence to verify my identity or confirm that I am responsible for this debt.

After careful review, I believe that this debt has been wrongly attributed to me as a result of identity theft, and I have no knowledge or record of having incurred this debt.

As a result of this incorrect reporting, my credit report has been negatively affected, and I am facing undue financial harm. I have tried to resolve this matter directly with National Credit Systems, but they have failed to provide the necessary documentation to validate the debt or remove it from my credit report.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XXXXXXXX  Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX RE : Debt Validation Request for Account # XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX. 
Dear Portfolio Recovery Associates, I am writing to formally dispute the alleged debt associated with account number XXXX, which you claim is owed to Portfolio Recovery Associates. I do not recognize this debt, and therefore, I am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide all the necessary information to validate this debt, including : 1. Proof of the Debt A detailed itemization of the debt amount of {$530.00}, showing how it was calculated, including any interest, fees, or other charges that have been applied. 
2. Proof of Ownership and Assignment Since you are not the original creditor, I request documentation proving that you have been legally assigned this debt. This must include : o A copy of the contract between XXXX XXXX XXXX  XXXX XXXX. and Portfolio Recovery Associates demonstrating that the account has been legally transferred or assigned to your agency. 
o Full documentation showing the chain of custody or assignment of this debt, from the original creditor to you. 
3. Proof of Standing I request a copy of the original agreement or contract with XXXX XXXX XXXX  XXXX XXXX. that I allegedly signed, showing that I am legally obligated to repay this debt. Additionally, please include the date of the last payment made on this account. 
4. Cease Communication via Phone Please cease all phone communications with me immediately. Under the FDCPA, 15 U.S.C. 1692c ( c ), I request that any future communications be made only in writing to the address listed above. 
Until this matter is resolved, I also request that you refrain from reporting this account to any credit reporting agencies. If you have already reported it, I expect this information to be removed immediately until the debt has been validated. 
Failure to provide sufficient and verifiable documentation to prove the legitimacy of this debt within 30 days of receiving this letter will result in further actions, including, but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states attorney generals office. If the debt can not be validated, I will demand its permanent removal from my credit report and reserve the right to pursue legal action for any violations of the FDCPA or Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2024-08-22
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. (TX)

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

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX : Ref : XXXX XXXX inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (CA)

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, Experian, and XXXX data breach.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (TX)

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, Experian, and XXXX data breach.