davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT has continued to use unfair debt collection practices. I have proof that you purchased my personal and private information from XXXX  XXXX. You have assumed responsibility for this alleged debt. I am requesting documentary evidence pursuant to 15 usc 44. I need my XXXX a document crucial for the Cancellation of Debt for this charged-off/collection account. It is imperative to recognize that under the law, creditors are legally obliged to provide IRS XXXX XXXX when canceling a debt. This form plays an essential role in tax reporting, enabling individuals to accurately report and comprehend the tax implications of debt cancellation. The absence of this form in my case constitutes a severe violation of federal tax regulations. 

One of the most troubling violations pertains to the deceptive nature of the letters I have received from MIDLAND CREDIT MANAGEMENT. These letters were sent with logos prominently displayed on the outside of the envelopes, a practice that clearly contravenes established debt collection regulations 15 usc 1692b ( 5 ). Furthermore, the content of these letters contained threatening and obscene language, which is both unlawful and wholly unacceptable. Your company has continued to threaten me with legal action on an alleged debt. I I have meticulously documented these violations and am fully prepared to provide evidence in arbitration proceedings. 

Failure to comply with these demands within the specified timeframe of 14 days will leave me with no choice but to take official action by filing IRS Form XXXX : Information Referral and IRS Form XXXX : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter. This letter serves as my final attempt at resolution before initiating arbitration proceedings.
Consumer complaint received 2024-05-06
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 am writing to address discrepancies in my credit file. Despite consistently making payments, an inadvertent missed partial payment caused my credit report to reflect as 'late ' from XXXX to XX/XX/year>. This error is hindering my ability to refinance my house and alleviate financial strain. Attached is documentation illustrating a partial payment of {$1200.00} on XX/XX/XXXX, followed by full payments in XXXX XXXX. The confusion arose when I made a full payment on XX/XX/XXXX yet received a late notification from XXXX XXXX  dated XX/XX/XXXX, indicating a payment was overdue. Assuming the notice was issued post-payment, I proceeded with subsequent payments from XXXX and XXXX made over the telephone with a XXXX XXXX representative. At no time during the payments made over the telephone did a XXXX XXXX representative alert me to the missing partial payment. The issue only came to my attention in XX/XX/year> when I made a payment over the telephone, the XXXX XXXX representative finally made me aware of my delinquent account. Throughout this period, my XXXX XXXX profile showed an 'unapplied principal ' of {$1200.00}, which I mistakenly interpreted as part of the loan balance, rather than an indicator of a missed payment. I had no idea that an unapplied balance meant there was a missing payment. I was assuming if it were late, the notice would outline Late, unpaid, or overdue. I even googled unapplied principle which read The Unpaid Principal Balance ( UPB ) refers to the amount of principal on a loan that has yet to be paid off. It does not include interest or any other fees that may be associated with the loan ; it only reflects the remaining balance of the amount originally borrowed. Even with a XXXX in XXXX, that read to me as if its just part of the loan. To date I have been struggling to make up the missed payment on my tight budget. I finally took out a loan from my XXXX XXXX XXXX to make a {$5000.00} payment and bring my mortgage current. I am requesting that the late payments are removed from my credit report. Furthermore, I request that XXXX XXXX revise their late notification protocols to ensure the customer is aware of their delinquency and preventing similar occurrences. Enclosed is documentation supporting my request.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a formal complaint against TransUnion for unfair and deceptive practices in handling my credit report disputes. I have been encountering issues with inaccuracies on my credit report, and TransUnion 's responses to my disputes have been unsatisfactory and in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I mailed a dispute letter to TransUnion challenging inaccuracies on my credit report related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I disputed inaccurate addresses. I received a response from TransUnion dated XX/XX/XXXX, stating they would not investigate my dispute because they believed it was coming from someone other than me. Undeterred, I sent a follow-up dispute letter on XX/XX/XXXX, challenging the same items on my report. After waiting for the required 30 days, TransUnion did not provide me with any investigation results, which is a clear violation of the FCRA. I sent yet another dispute letter to TransUnion on XX/XX/XXXX, hoping to resolve the errors on my report. To my surprise, I received a response dated XX/XX/XXXX, once again accusing me of using an unauthorized third party and refusing to investigate my dispute, identical to their response in XX/XX/XXXX. It's important to note that the response received from TransUnion dated XX/XX/XXXX was addressed to a different address, which is not my current address. I believe I have given TransUnion ample chances to conduct a proper investigation. However, their consistent refusal and failure to provide investigation results demonstrate a disregard for consumer rights.
Consumer complaint received 2024-01-11
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (MD)

Since XXXX, I have experienced ongoing issues with my XXXX access through Discover Bank. Initially, Discover Bank withdrew from XXXX for a couple of months. After their services were reinstated, I continued to encounter an error message instructing me to call Discover whenever I attempted to use XXXX. 

Timeline and Actions Taken : 1. Early XXXX : - Discover Bank withdrew from XXXX for a couple of months. 
- Upon reinstatement of services, I started receiving an error message to call Discover whenever I tried to access XXXX. 

2. Throughout XXXX and XXXX : - I contacted Discover Bank customer service multiple times to report the issue. 
- Each time, Discover representatives assured me that the problem would be resolved and my XXXX access would be reinstated. 
- Despite these assurances, the issue persisted, and I continued to receive the error message. 

3. Ongoing : - As of now, my XXXX access remains restricted, and I have not received any satisfactory explanation or permanent resolution from Discover Bank. 

Impact of the Issue : The removal of my XXXX access has caused significant inconvenience, affecting my ability to make timely payments and conduct transactions smoothly. 

Requested Action : I request a detailed explanation for the persistent issue with my XXXX access and immediate action to permanently resolve it. Additionally, I seek regular updates on the status of this issue and the steps being taken to address it.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have submitted multiple disputes to correct my report. Transunion is not responding in a timely matter or supplies a resolution to my concerns. It has been more than 30days. They are in violation of the FCRA. As a federally protected consumer I am being taken advantage of! I have addressed multiple times to remove items such as alleged collections account that are not mines! I have missed career opportunities because they based things off of transunion credit reports! My report are inaccurate and now Im in need of immediate resolution and immediate compensation. Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (NY)

I called Shellpoint Mortgage Servicing hundreds of times regarding this issue and nothing have been done I initiated my loan originally with XXXXXXXX XXXX my email they promised me I will have online access unfortunately I do not have online access in order to view my account make payments I tried eating out to everybody involved in this mortgage unfortunately everybody is laughing because they have the power to just default me whenever they want and report me to the credit bureaus I initiated this loan with a condition that I will have online access for one reason if I don't have online access in order to do payments I have to wait on hold for hours and hours to talk to a representative to make a payment I'm asking the federal government to intervene overseeing a company who is not honest
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Revised on XX/XX/2024, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account Number XXXX XXXX 15 US.C. 1681 section 602 .A States I have the right to privacy.

15 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions. 


Delete this account immediately, unless you want to be held {$10000.00} per violation
Consumer complaint received 2024-08-17
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. (MD)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 


Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank. Made a deposit at a teller in a large amount. I was advised by the teller there would be a 2 day hold on the check written by my company. My company deposits payroll in my bank each week, 52 weeks per year, so the company and the bank have experience with one another. After 3 days I go to confirm my funds are available and I see they changed the availability. The deposit was made on XX/XX/2023. The bank then changes the date of my deposit suggesting it was XX/XX/2023 and makes the funds available on XX/XX/2023. No notice was provided to me. I only discovered it when I was trying to confirm my funds were available on the date the teller told me. The only amount available to me was a mere {$250.00} of the {$16000.00} deposited.
Consumer complaint received 2024-01-11
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. (NC)

To Whom It May Concern : I request that the following inaccurate items be immediately investigated. They must be removed to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days.

Company Name : Account Number : XXXX- {$8800.00} ( XXXX ) Please send me my updated report as soon as your investigation is completed.
Consumer complaint received 2024-04-06
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)

I requested The original creditor 's name and address.

The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

Credit card was Opened in my name from JPMorgan through Chase. It was a sapphire credit card. Chase removed card from my account. Opened a dispute through transition due to this being a hard credit inquiry. Would like this inquiry removed from my credit.
Consumer complaint received 2024-01-11
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. (GA)

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.

has violated my rights. Or a 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 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : {$81.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00}.
Consumer complaint received 2024-01-11
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. (OH)

I am not an attonery or a third party rep I have accounts on my credit report that does not belong tome i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX # XXXX {$0.00XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$570.00} XXXX XXXXXXXX XXXX # XXXX {$430.00} -XXXX  # XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, I would like you to complain the comment on my credit report accessed though email XXXX. On page 5, it says we received [ my ] request to remove a fraud alert from [ my ] personal credit report. Our records indicate that [ my ] credit report does not display a fraud alert. I have not requested to remove a fraud alert. Same as XXXX XXXX, which I requested your company why this XXXX XXXX was added before my identity theft issue started. 
Since I am a vulnerable by receiving Identity Theft number and many suspicious fraud activities around me, I will never request to remove my fraud alert. Since I realized another employee, which oversees XXXX, XXXX to see my report through its website, I wonder whether I can see correct credit report from your company. Also, I request whether your company added security freeze at your headquarters. Without reliable report, we can not make sure that your company adds those essentially important matters. I just wish I will meet a reliable credit report company in future, after these years with fraud alert. 
Sincerely,
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX