davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (PA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-05-18
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. (PR)

In accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX has violated my rights. I have sent many certified letters to the original creditor company mentioned above and to the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is my 4th complaint and i decide to make this one directly formal with the CFPB because the original creditors company and the credit bureaus didnt do anything to respond or to solved this matter. I do not recieved any letter or document from the original creditor nor the credit reporting companies, in fact no real proof evidence of such or any invenstigation made. This is my personal information and I have the right by law to only be reported with 100 % accurate information. A lot of unverifiable delinquencies reported to my personal credit file and nobody takes an action with the credit reporting companies nor the original creditor company. Bellow are the confirmation numbers of the certified letters by date I have sent to try to solved this matter with the credit reporting company and the original creditor : XX/XX/2023 XXXX. # XXXX Transunion XX/XX/2023 XXXX. # XXXX XXXX Bank XX/XX/2023 XX/XX/2023 XXXX # XXXX Transunion XXXX XXXX XXXX # XXXX Transunion 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 writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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 2023-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (GA)

Amsher Collection Services has placed a frivolous debt on my credit reports that I do not owe them. I did not receive a Dunning Letter from this company before it was placed on my credit files. 

I have never heard of this company and have never done any type of business with this company. There is no contract with my wet ink signature that is binding me to this company in any way! 

Please see Attachment
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Genesys National Recovery, Inc. (PR)

On Thursday XX/XX/XXXX of 2023 a representative from Genesys National Recovery called my XXXX  mother 's phone regarding a debt with XXXX XXXX. I enlisted in the gym due to an offer i got because of my previous employer, after i ended my working relationship i tried to cancel membership to no avail. In the call that was recorded by my parent, you can hear the representative letting a third person ( my mother ) that was listed as an in case of emergency contact, that i owed a debt for XXXX dollars and that they were going to seize my salary for the total amount of XXXX dollars, that included lawyer fees. They are breaking the law and the fdcpa by telling an un authorized third party about a debt not pertaining to them. Also, they called her repeated times today untill she picked up, about 4-5 times, my mother have health and XXXX  issues that aggravate due to stress. This company have my number and my email and they only contacted me once to settle debt in full. I told them i was unable to pay full and wanted to pay in installments. They said it was not an option. They also told my mother that i refused to negotiate. Please make this type of debt collecting stop, its affecting my mother 's and my mental health.
Consumer complaint received 2024-04-11
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)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Dear CFPB, I am writing to file a complaint against Experian, one of the three major credit reporting agencies. I am experiencing a significant and ongoing problem with inaccurate information on my Experian credit report. 
Experian 's Lack of Cooperation : Despite my repeated attempts to dispute this information, Experian refuses to remove it from my credit report. 
Furthermore, each time I request proof of the information 's accuracy, they fail to provide any. Instead, I am sent statements from lenders, which do not constitute actual verification of the account belonging to me. 
This lack of cooperation and inability to provide evidence has been a persistent issue for approximately two years. 
Experian 's Refusal to Review : Most concerning, Experian is now refusing to review any further disputes I submit regarding this inaccurate information. 
Violation of FCRA Rights : This refusal to investigate and remove demonstrably inaccurate information clearly violates my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA guarantees my right to dispute and have inaccurate information removed from my credit report. 
Request for Assistance : I am requesting the CFPB 's urgent assistance in investigating this matter. 
I implore you to intervene and ensure Experian removes the inaccurate information from my report. 
Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX Enclosures : Experian Credit Report ( copy ) Communication with Experian ( copies )
Consumer complaint received 2023-03-13
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

this is showing on my credit report which is inaccuarte amount of an account. 

XXXX XXXX XXXX XXXX {$780.00} - - -No Data Account Information Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$780.00} Original Creditor XXXX XXXX XXXX XXXX  Past Due {$780.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Consumer complaint received 2023-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PR)

ACCOUNT XXXX appears that I have 7 ineligible payments. The first three periods are : XXXX, XXXX, and XX/XX/XXXX. Obviously, I can not pay on these dates because in Puerto Rico we were hit by two hurricanes, Irma and Maria. Literally, we had to survive. Because I am a public servant, we had to work give humanitarian relief to our people. Another ineligible period is from XX/XX/XXXX to XX/XX/XXXX. Fedloan applied to me a Delinquency Forbearance because they delay the process of renewal my Income Based Repayment Plan and they charge me a lot of money, {$400.00} that I can not pay, that is the reason than I am requesting IBR Program. Enclosed you will find my communication to Fedloan in XX/XX/XXXX. For the reasons exposed above, I request these 7 payments change to eligible because all the time I am a public servant, work to the XXXX XXXX XXXX XXXX XXXX and must request the hurricanes forbearance and later the bureaucracy and unfair service of Fedloan applied arbitarirly. Never I refuse to pay, only I want to pay a fair amount based in the Income Base Repayment Plan. I continue paying these months using the amount that I was paying, because Fedloan refused to say to me the new amount to pay by IBR Program that I was renewing. I submitted my PSFLF on time to Fedloan and lateXXXX, these inelegible payments qualify for the Special Waiver
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXXXXXX XXXX XXXXXXXX ....
Consumer complaint received 2024-04-11
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-11
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)

I have a inquiry on my credit reports that I know nothing about, its on my XXXX, Experian and XXXX. Its from XXXX XXXX, dated XX/XX/year>. I never applied for anything from XXXX XXXX or had and type of business or contact with this company, but it keeps appearing on my credit reports. Due to this fact, I have frozen all of my reports hopefully this will take care of this problem. What I would like in the meantime is the removal of these unauthorized inquiries that I neither applied for, nor sign for, being that may have an effect on my credit in the future.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I'm a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called TransUnion to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.
Consumer complaint received 2023-03-24
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. (PR)

I'm a victim of Identity Theft since 2020 due to the data breach of Equifax. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called XXXX to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.
Consumer complaint received 2023-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (PR)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-22
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. (PR)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PR)

You are reporting this information in the credit that is not mine. I ask that this be removed from your records and credit. 
XXXX XXXX ACCOUNT NUMBER : XXXX MIDLAND FUNDING ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly
Consumer complaint received 2024-04-11
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. (CA)

On XX/XX/XXXX, I delivered a notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX XXXX  XXXX ( i ) obtain credit bureau reports and other information about me from time to time in connection with servicing or collecting my Account, making me aware of products and services related to my Account and for any other purposes. ( ii ) verify my age, social security number, residence and other identifying information with the credit bureaus. ( iii ) Report information about my account to credit bureaus such as late payments, missed payments, or other defaults on my account which may be reflected in my credit bureau report. Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX or any of its non-affiliates ( Experian, XXXX, XXXX ) have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX  XXXX If XXXX continues to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting agencies.