davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phillips & Cohen Associates, Ltd. (PA)

The collecting party is NOT THE ORIGINAL CREDITOR. I was never informed from either party of their being a debt that exist, let alone to be bought than sold to a third party, without any concern of keeping me informed. I never received any Debt Disclosure documentation requested XXXX.Please provide the consumer contract bearing my wet signature validating the debt claimed or quit claim language and remove the negative information from my credit report for i only will only deal with the original account creditor. Please provide gps location data at time of the purchased debt, Copies of Payoff Disclosure letter, Balance history, Credit Insurance Documents, If documentation can not be produced than remove the negative rating on my redit report or i will pursue litigation, informing CFPB.
Consumer complaint received 2023-03-22
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MacDowell & Associates, Ltd. (GA)

XXXX XXXX XXXX had a valid claim to a debt that I owed. However, they decided to initiate action during a federally declared state of emergency and disaster. Businesses were closed, communication and travel were extremely restricted. And, I, being self-employed, had no relief or any type of compensation. Whereas the rest of America seem to be getting triple unemployment benefits, I had to suffer. 
I communicated with XXXX XXXX about the debt and my intentions to pay and stay in good standings. I contacted them in XXXX at least once and XXXX on two occasions also called them in XXXX I believe it was on the XXXX to explain that I would have payment by XX/XX/XXXX. They explained that they were happy that I was able to make that payment and just to give them a call when I made it so that they could be on the lookout. They then arrived at my home and in the wee hours of the morning. Embarrassed me in front of my neighbors and calls me great stress in the fact that I had to stand in the cold and clean out the truck on the spot. 
I would have had it cleaned out had they told me that they were coming to get it. At this point they knew that trucks were bringing a premium price and that they could get as much as they wanted to for it and I believe this is the reason that they repossessed. However this is not truly the issue, though it does pertain to the issue as a whole. 
XXXX XXXX XXXX declared my account as a charge off and therefore XXXX was able to negotiate this item on the p & l tax documents. They were compensated. The dead then became what could be declared as income to me however XXXX decided to send it to a lawyer 's office and he has steadily increased the debt months by month over 3 years of holding the debt. From everything I've read and everything I understand this is not fair nor is this legal. 
If I'm wrong, please show me how I am wrong. 
I have screenshots of the emails The lawyer has sent to me and even offered to settle the account for {$1000.00} as he refused. 
I believe that this taking place during a federally declared state of emergency and disaster and the fact that XXXX sold the truck for a premium at auction should negate any debt that I owe or have owed. 
Please help resolve this situation and help me remove this from my consumer report as I believe this is not covered as a debt or a collection under the 15 USC FCRA.
Consumer complaint received 2024-07-08
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)

This is the XXXX  time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found onmy credit report. The following information is NOT ME and I have NO RELATIONSHIP to it.Please remove the following information from my credit report immediately- If you continueto report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRAregulations. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (PA)

I am writing to file a formal complaint regarding an incorrect balance and late payment report by Midland Mortgage, which has adversely affected my credit report. 

On XX/XX/year>, Midland Mortgage reported a balance of {$2600.00} on my mortgage account, which was incorrect. The actual amount owed was {$1900.00}, my regular mortgage payment. This discrepancy resulted from Midland Mortgages inadequate distribution of my funds, leading to an inflated balance.

Despite my efforts to resolve this issue, Midland Mortgage did not provide an option to pay the correct amount of {$1900.00} online. The only option available was to pay the incorrect amount of {$2600.00}, which was beyond my budget at the time. 

To address this, I utilized XXXX through my bank, XXXX. Unfortunately, this process took longer than expected, and Midland Mortgage did not receive my payment before XX/XX/XXXX. Consequently, Midland Mortgage reported my account to XXXX with the incorrect balance and a late payment for XX/XX/year>, which has negatively impacted my credit report and score. 

As of XX/XX/year>, my account was current. Currently, I am approved for PAHAF, and my account is even beyond current. I do not owe anything until XX/XX/year>. 

Midland Mortgage did not report this so-called late payment until today, and I believe it is a retaliatory attempt to intimidate me after I submitted an initial CFPB claim about them yesterday. 

This situation has caused significant distress and financial inconvenience. I request the CFPB to investigate this matter and ensure that Midland Mortgage removes the incorrect late payment report for XX/XX/year>. Additionally, I urge the CFPB to ensure that my account status is updated with XXXX to remove the negative impact on my credit report resulting from this error.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I write to you with an increasing sense of frustration and disbelief regarding the fraudulent accounts poisoning my credit report. It has become abundantly clear that your organization is either woefully incompetent or deliberately indifferent to the damage this is causing to my financial well-being. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests This is my final request for an immediate and aggressive resolution to this matter. I demand, without room for negotiation, the aggressive removal of these fraudulent accounts from my credit report. The time for excuses and delays is over. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX  and TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

This is not a mere request ; it is a final demand for the rectification of a gross violation of my rights as a consumer. The incompetence or indifference displayed thus far is inexcusable. 

Failure to comply with this final demand will leave me with no alternative but to pursue legal action, report your negligence to regulatory authorities, and utilize every available means to expose your organization 's failure to protect consumers. 

I expect written confirmation of the aggressive removal of these fraudulent accounts within 7 days from the date of this letter. Any further delay will be considered a direct affront to my rights and will be dealt with accordingly. Consider this letter your last chance to salvage what is left of your organization 's credibility in my eyes.
Consumer complaint received 2024-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

On XX/XX/year>, I submitted my application to rectify my XXXX plan as needed. In XXXX of 2024, the announcement came out that all recertifications had been extended. In the announcement, it read " if you have rectified and your payment went up, we will revert you back to previous payment '', which for me was $ XXXX monthly. I contacted my servicer which at the time was XXXX and they instructed me they would fix the problem and that I did not have to make payments while they were fixing my account. After repeated conversations, they informed me it would be fixed by XXXX. That never happened and in XXXX, my account was transferred to EdFinancial. After contacting EdFinancial to get this problem fixed, I spoke with agent who kept trying to get me to rectify my payment as an individual to lower my payment amount. I declined this request multiple times. I emailed supervisor requesting my account reflect the correct payment amount of {$0.00}. I was told by XXXX that the increase in my payment was not due to recertification. This was her response " According to our records, the increase in your payment did not have to do with the recertification of your XXXX XXXX plan. Your loan was redisclosed on XX/XX/year> per the Change in Terms letter in the Inbox of your online account. '' While waiting for my account to be fixed by Edfinancial, I noticed in my inbox that on XX/XX/year> an XXXX XXXX was received. I did not agree to nor condone this reapplication nor did I submit this application on my own. I then got a letter stating my new payment amount would be {$1100.00} monthly starting in XX/XX/year> for 12 monthly payments.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous,3 Credit Bureaus have dishonored FCRA XXXX and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has come to my attention that a late payment has been inaccurately recorded on an account that has been not only closed but also settled. This blatant error is not only detrimental to my credit score but also a severe violation of the Fair Credit Reporting Act ( FCRA ). This is to express my extreme frustration and anger concerning the inaccurate reporting on my credit file maintained by your bureau. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter and the prompt removal of the erroneously reported late payment. It is inexcusable that your bureau continues to tarnish my credit history with inaccurate information, especially on an account that has been closed and settled. 
The persistence of such inaccuracies damages my financial standing and undermines the integrity of the credit reporting system. I insist that your bureau takes immediate action to correct this oversight and prevent further harm to my credit profile.
Consumer complaint received 2023-03-23
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. (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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your TransUnion Account XXXX / Inbox TransUnion This email was sent by the organization that owns the logo shown. 
www.transunion.com From : XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX  View in your browser TransUnion Dear XXXX, In order to protect your privacy, we've temporarily suspended access to your account because we were unable to validate your information. 

Please try logging in again later today. Alternatively, you're welcome to contact our Customer Service team for assistance. 

Sincerely, Your TransUnion Support Team 2024 TransUnion LLC All Rights Reserved. XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2024-09-18
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX XXXX on multiple attempts for the account XXXX XXXX XXXX to remove the charge off on my credit report. They have violated 15 USC 1611. It is now a charge off which is considered a certificate of indebtness on my credit report and income can't be reported on there. Not only that, I've never gave them permission to report transaction history to third party companies nor have they asked me for permission 15 USC 6802. They also have violated the following 15 USC 6801 - Protection of nonpublic personal information. In the terms & conditions of XXXX, it specifically says that my information will not be reported to third parties in which the 3 credit bureaus are a 3rd party. This blemish on my credit report has caused grief to feeding my family as I can't apply for business loans or credit cards at all. According 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods, they were supposed to provide me a form of opt methods but I have never received anything, via mail, verbally, or email. I have attached a letter that I've sent to XXXX in XXXX. I've sent the letter multiple times with no resolution despite citing 26 CFR 1.1232-1 - Bonds and other evidences of indebtedness ; scope of section
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are some items reporting on my credit which I do not recognize and I suspect identity theft, the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I need these items disputed and removed.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-12-19
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. (AL)

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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2024-06-29
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX