davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

i requested the following information from eastern account system and the information was not forward to my place of residents. i am writing to file a formal complaint against eastern account system for their blatant failure to comply with my requests for information as mandated by the FCRA and relevant U.S. codes. Their conduct not only demonstrates a disregard for federal regulations but also infringes upon my consumer rights.

i formally requested that eastern account system provide me with detailed information regarding account number 37846600 ( 1 ) Purchase agreement of the debt ( 2 ) Insurance claim of the debt ( 3 ) The CMI with the original creditor ( 4 ) Statue of limitations and last payment on the debt Despite multiple follow-ups, they have failed to respond adequately within the time frame specified by FCRA.

Their refusal to provide the requested information is clear violations of :!. FCRA section 609 ( 15 USC 1681g which entitles consumers to full disclosure of information in their credit file upon request.

2.FCRA section611 ( 15 USC 1681i which requires to verify in 30 days
Consumer complaint received 2024-04-18
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. (SC)

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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX Bank : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC. (GA)

I sent a letter asking for verification of a debt on XXXX XXXX and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that Midland Credit Management , Inc. received the dispute letter on XXXX XXXX. It is now XXXX XXXX and I have not received a response from the agency. From my understanding, the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), says a company has 30 days to investigate disputes.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX Transunion RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (MS)

URGENT :!! DEFAULT NOTICE!! 
Recomplaints ( XXXX ) & ( XXXX ) Trans Union failed to prove their investigation as valid and complete. PLEASE PROVIDE ME WITH the name, agent number and position of the representative for the vendor who alleges to Verify AND VALIDATE the debt, And to provide everything in writing involving the communications between both parties, including all information of the of the creditor and access code used for that extension of credit! The Credit Reporting Company failed to report fairly and accurately. If they would like to remedy this issues they would need to remove both XXXX XXXX and XXXX from my Consumer Credit Report. Although I provided sufficient proof of the intent to Opt Out to those corporations, sent to ( Vendors ) exhausting the full administrative process. The Accounts were removed from other consumer credit reports like XXXX, etc. Proof of this claim was also submitted in the aforementioned complaint. However they have yet to be removed from Trans Union 's report. So I Reach out to Trans Union Personally the " Credit Reporting agency '' to inform them that they are " receiving information under false pretenses '' From XXXX XXXX and XXXX and to remove those accounts because they do not have my consent. In accordance with my Privacy right as emphasized in ( Regulation P ) the right to Opt OUT is not a debate. I reached out to Trans Union so that they may remove those accounts off the consumer credit report and remain in honor. It was quite shocking to see the reporting agency not fail to provide an adequate search in such an extensive amount of time but to also not remedy the account upon proof of claim. Instead the Corporation seems to be in favoritism of one party. To aid and embed that company in violation of consumer rights may unfortunately result in RICO charges and civil money penalties for Trans Union and its representatives. If this was caused by a mechanical or Inadvertent error by Trans Union then please remedy the matter as soon as possible since Trans Union has already used its 60day chance to cure. I will allow ( 5 ) BUSINESS DAYS FOR THIS TASK TO BE COMPLETE. If this task can not be completed please respond in writing of the reasons as to why TransUnion refuses to honor my claim. If in the ( 5 ) business days TransUnion does not respond I will assume that the performance was completed.
Consumer complaint received 2024-08-14
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-09
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. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2024-04-19
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)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

Transworld Systems Collection Agency XXXX called to try to collect a debt. They received my name and number from XXXX XXXX XXXX. They had the phone number and a fake name I use only with XXXX XXXX. 

This is not the first time XXXX XXXX XXXX has sold my information to scammers. In 2020, they sold my information to someone claiming to be XXXX XXXX. They said I had a large balance outstanding. I do not have a XXXX XXXX. I don't think it was XXXX calling. 

In both cases the threat is that my credit report will be impacted if I do not pay immediately. 

Both of these companies used a name I only use with XXXX XXXX XXXX.
Consumer complaint received 2022-10-10
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. (SC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CO)

We were unable to come up with 20 % down on our mortgage and had to pay astronomical amounts of interest plus PMI for the first couple of years. As soon as we were able ( XX/XX/year> ), we paid down the principal to 70 % of the original value of the property. According to the terms of my loan, this was more than what was necessary for the PMI to be automatically cancelled. In XXXX, a full month after I had made the necessary payments, my escrow was charged {$140.00} for PMI. By that time, there was less than 30 % left on the original loan. There was absolutely no basis for PMI. 

I called the mortgage company to ask for an explanation and they treated that call as a request to cancel the PMI. Again, this was not my responsibility. I contacted the company again about a month later and was told that the matter would be taken to the PMI team. I received notice today that they would not refund the money because I never requested the PMI cancellation.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2023-08-29
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)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I spoke to Aidvantage on the phone on XX/XX/2024 and XX/XX/2024 asking to be taken out of forbearance. They asked me upload a document to the upload center stating that I wanted this to happen. I did. It is not showing my uploaded documents on my account. I also emailed them on them on XX/XX/2024 stating I wanted to be taken off forbearance. They sent an email back on XX/XX/2024 saying I need to call the borrowers defense hotline to do so, which is false. I recently received a mail correspondence stating today ( XX/XX/2024 ) that the DOE requested that I should be put on administrative forbearance, which is not true. Again today, I uploaded a request to be taken off forbearance. I requested to not be placed on forbearance on my original borrowers defense request application. Therefore, they made this choice for me without my consent.
Consumer complaint received 2024-04-16
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credence Resource Management, LLC (TX)

XXXX is using Credence Resource Management to spam call my phone for a bill that I have since paid. They have been trying to charge my account but I have put a block to them. They deleted the XXXX mobile app so users have a hard time cancelling their service. I cancelled my service back in XX/XX/year> and each month they have been adding charges saying that I have been using their mobile services even though I have transferred my phone number elsewhere. It took SEVERAL calls and online chats to be able to cancel the service. But each time, they never did and gave me false account numbers saying my service was cancelled when in fact it wasn't until I finally got the correct account. XXXX is now using this company to harass me through my cell phone through daily calls. I have had to block multiple numbers. I know this a TCPA/FDCPA violation with the constant harassment for a bill that has already been paid.
Consumer complaint received 2024-04-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Davis & Jones, LLC (GA)

XX/XX/year>XXXX XXXX XXXX XXXX  - Our attorney contacted XXXX XXXX of DVS Jones to cease contact with client and direct all communication through attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX willfully disregarded request to direct communication via the attorney and sent email stating " Im not going to play the document review game with your attorney '' XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX of DVS Jones spoofed his number as my parent 's home and called my mobile phone XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of DVS Jones spoofed his number as my parent 's home and called my mobile phone XX/XX/year>XXXX XXXX XXXX XXXX - ( third attempt ) XXXX XXXX of DVS Jones spoofed his number as my parent 's home and called my mobile phone XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX of DVS Jones spoofed his number as my sister 's phone number and called my mobile phone. This call was answered and XXXX admitted to spoofing his number as my family member
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (NJ)

I reviewed my credit report on XX/XX/2023 and notice some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX  XXXX ], [ XXXX  XXXX ] are not complete and accurate. 

I sent a letter asking them to ensure everything is complete and accurate and here is my tracking number XXXX They sent me investigation back and said everything is complete and accurate, but if you review my attachments, you will see everything is not accurate are complete. 

And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation has been modified or deleted from the file of the consumer. 
( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 
and according to 15USC 1681s -2 they are suppose to 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 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OPT-OUT SERVICES, LLC (CO)

This complaint is against XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX. 

Years ago I had my identity stolen and used to open debt. It has taken me years of action to separate myself from this individual. I have registered police reports and ID theft cases with the FTC. In XX/XX/year>, I started receiving credit card offers that mixed my personal information with that of the individual who stole my identity. I reached out to the XXXX and XXXX departments of the companies who were supplying the credit card offers. They informed me that indeed my personal information was being mixed with this individual. Offers have gone out to both parties with incorrect information. I was informed that the information they received as a basis for issuing credit card offers was coming from XXXX XXXX services noted above. They also recommended contacting the major credit agencies to check my credit reports. I took action and contacted the 3 main credit bureaus ( XXXX, XXXX and XXXX ). All confirmed that I had credit freezes in place, as well as fraud alerts, and no information from the individual who stole my identity was contained in any of their credit reports. I further put a fraud alert with XXXX. All acknowledged that they supply XXXX XXXX XXXX with data, but all denied mixing information between parties. 

I have tried to reach XXXX XXXX XXXX through their phone number XXXX. However, it is not possible to reach a person. All calls are to automated menus and the only correspondence I can get from them is a 'opt out " form template. There is no way to reach someone to correct the issues of mixed PI information.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (OH)

Refuse to send me in writing why they have to charge me {$41.00} in late fees every time refuse to send in writing why my payment method won't work on the automated system they tell me that's the terms and conditions that I have to deal with that I agreed to so I had told them I'm closing my account then they said they want the entire amount up front now absolutely not they're fraudulent activities usually try to create situations to where no matter what you have to pay a late fee my credit was great until these cards ready and first access destroyed it
Consumer complaint received 2024-04-19
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. (MD)

Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.