davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

This debt was previously disputed and is a result of me being a victim of identity theft. Below I have submitted an identity theft report with the federal trade commission. The address and the phone number associated with this debt is fraudulent and is not accurate. This debt must be removed from all three credit bureaus at once. As I have asked before, I do not consent to my information, or any fraudulent information related to me, and this debt to be sold/donated/given to any other third-party/debt collector/individual etc. I ask that Ability Recovery Services not attempt to contact me or use the information provided to reach me. Any communication or attempt to communicate with me that is not through the consumer financial protection bureau will be considered harassment/unwanted communication.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-26
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: Experian Information Solutions Inc. (AL)

Experian Dispute unresolved Email received on XX/XX/2023 The dispute centre of Experian doesn't seem to know codes and status as pertaining to billing and reporting. 

Affirm not only broke FCRA by charging my account off ( XXXX, true accord, and now a XXXX XXXX, XXXX ) But also Bill of Exchange violations for not allowing a vehicle for paper notes ( checks, money orders ) to be sent out or received. Not sending paper statements via carrier mail. 

I sent this info ( along with screenshots for viable proof ) to Experian to have my negative reporting and overdue balanced removed but to leave it as XXXX XXXX XXXX  for the months that I have paid ( I owe {$320.00} originally it was over XXXX ) But it seems my proof is being ignored or whom ever is reviewing my dispute is a fool
Consumer complaint received 2023-04-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance {$73.00} ; XXXXXXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX Balance {$120.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am not liable for this debt with XXXX XXXX, plus this account is incomplete, inaccurate, and missing data. I do not have a contract with Portfolio Recovery Associates, LCC, they did not provide me with the original contract as i requested. This directly violates my rights according to 15 U.S.C. 1681e ( b ), 15 U.S.C. 1692e, and UCC 9-210 at the least.
Consumer complaint received 2023-08-08
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. (IL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate reporting by credit reporting agencies, which has led to denials of my applications for both home loans and credit cards. I have taken multiple steps to address the inaccuracies, including disputing the information, but the credit reporting agencies have consistently verified the disputed account without rectifying the errors. 

Specifically, I have encountered discrepancies concerning an account labeled as " XXXX XXXX XXXX at XXXX '' on both TransUnion and XXXX credit reports. Despite my repeated attempts to rectify the situation, the reported account information remains inconsistent across these bureaus. 

I have disputed the accuracy of this account multiple times and provided evidence to support my claims. However, to my dismay, both TransUnion and XXXX have responded by stating that the information has been verified and is deemed to meet the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

One of the significant issues is the inconsistency in the " date opened '' field for this account. This inconsistency is not only misleading but also affects the accuracy of my credit history. Furthermore, I have noticed that the debt associated with this account is not being reported consistently across all three major credit bureaus, which further adds to the confusion and inaccuracies in my credit profile. Also the " date closed '' field does not display a date which is illegal according to FCRA guidelines. 

The inaccurate reporting of this account has had significant repercussions on my financial well-being. I have been denied home loan applications and credit card approvals due to the negative impact these inaccuracies have had on my creditworthiness. This situation has caused me immense stress and frustration, as I believe that my creditworthiness is being unfairly compromised by inaccurate information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit reporting agencies address these discrepancies appropriately. I urge you to investigate the inconsistencies surrounding the " XXXX XXXX XXXX  at XXXX '' account and ensure that the credit reporting agencies uphold their responsibility to report accurate and consistent information. 

I appreciate your attention to this matter and your commitment to protecting consumers ' rights. I hope that through your intervention, the inaccuracies in my credit reports can be rectified promptly, enabling me to pursue my financial goals without unjust hindrances. 

Thank you for your time and consideration. 

XXXX XXXX
Consumer complaint received 2023-08-08
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. (AL)

First, my credit score has always been above 800 until recently. 

I opened a XXXX XXXX XXXX Credit Card around XX/XX/2023. I applied online. I never received a credit card bill in the mail. I had made a very small amount of charges under {$150.00} on the card. 

On XX/XX/2023 I received a letter from XXXX notifying me that I had a delinquent account that was past due and interest and other charges had been assessed. 

I called on XX/XX/2023, and they adjusted off some late fees and i made a payment in full of the revised balance of {$150.00} which included some interest. I explained the situation that I never got a bill in the mail, only this written letter of deliquent acccount. XXXX 's informed me that I had requested email bills, which I do not recall doing. However, in checking archives and spam and other emails, I find no ( 0 ) bills from this credit card company. 

The credit card number ends in XXXX with XXXX XXXX XXXX XXXX Credit Card. My social security is XXXX The credit card reported me late which I understand but that lowered my credit to XXXX, and also lowered my credit limit to {$500.00}. I wrote them a letter and appealed to them to rescind the negative reporting against me as I have never had any and have always paid by bills in full and timely, and explained not getting the bills and not signing up to my knowledge on emails and even if I had, not receiving any emails. 

I also sent a letter to Trans Union regarding the same on XX/XX/2023 and notifying them I have dispute XXXX Report..
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc. (AZ)

Self lender is illegally reporting to my credit reports, and harming my credit. I have sent them multiple letters and they have refused to respond. 

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : SELF LENDER I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches and XXXX has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Consumer complaint received 2023-11-26
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. (NC)

NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( Experian, XXXX, XXXX ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report!

Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below 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 Failure to respond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n
Consumer complaint received 2023-08-08
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC (IL)

XXXX is reporting improper information, false information, social security fraud identity theft by third party creditor by XXXX XXXX XXXX 
XXXX is reporting False or misleading representation. 15 U.S CODE section 1592e _ ( Ability recovery service is reporting False and misleading information and representation in violation of 15 U.S CODE section XXXX. and is committing consumer fraud and identity theft. XXXX is committing Social Security fraud as a pattern and practice. There are trying to collect a debt that is ready paid i full. This is bribery and extortion by XXXX who is using XXXX as a window to commit this fraudulent act. .15 U.S, C section XXXX XXXX section XXXX violation by 15 U.S.C 1681c-1 XXXX XXXX XXXX 15 U.S.C 1682 violations FTC violations, CFPB XXXX. 15 U.S.C section 1681sXXXX violations by all party and their representing agencies and insurance company 's.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

I received a payment in my Venmo app and moments later they suspended/froze my account for a reason they've yet to specify. The department that handles the research into these situations won't communicate except through email which is the most inconvenient thing when you have a situation like mine. That payment I received was to go to someone else who has now been basically threatening me. They can have the XXXX account and do whatever, I just want the money off and they won't answer me.
Consumer complaint received 2023-08-07
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. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 2024-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

I initiated wire transfer from my Chase savings account to a newly opened XXXX XXXX XXXX checking account on Friday evening around XXXX PT. I was informed that the wire transfer would be initiated by the next business day. 

I just received an email notification from Chase that my wire transfer was sent and complete on a Sunday. However, I don't see my funds in my XXXX  XXXX XXXX checking account. When I called and inquired for an explanation, they told me it takes XXXX business day to process, but was unsure of why it was initiated on Sunday. Now, my entire savings account of {$140000.00} is missing. It's neither in my Chase savings or XXXX  XXXX XXXX checking account.
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

On XX/XX/year> i received a notice by mail from Hunt & Henriques LLP with a Reference # XXXX acting as a debt collector trying to collect. 
Alleged debt {$7200.00} I took action by submitting a dispute in writing on XX/XX/year> and requested for the company to provide me with debt validation, chain of title or proof of any supporting documents, original application that can proof its mine.
Consumer complaint received 2023-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

From XXXX to XXXX of XXXX I was charged for a electric bill that I never used.. Its call XXXX XXXX, its in Texas.. I dont live in Texas , and I never been to Texas !!! Its on my credit report as a collect for {$350.00}
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent out a letter on XX/XX/2022 To remove personal information that I do not want on my credit report. 

According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (HI)

XX/XX/XXXX due to XXXX XXXX XXXXXXXX management not being able to hold up their part of the contract which is to provide a safe place of living for my family. Many incidents happened in the short time from when we moved in and i made the property management aware ans they were unable to fix it so we moved out. We were in communication by email and phone with XXXX XXXX who works in the office there. Our final move out bill was {$480.00} which was given to us on XX/XX/XXXX. No other fees due to landlord tenant rules in Hawaii where they failed to uphold their end of the lease. I have police reports and other emails. On our credit report it is being reported that we owe {$5500.00} by National Credit Systems. XX/XX/XXXX I sent a email and letter to both XXXX XXXX XXXX and the collections agency and none responded. Myself and my XXXX other family members on the lease have disputed this on our credit reports and no success. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tried to set up at mediation before i take them to court and now XXXX XXXX XXXX Management is saying they have no record of me at all. I have a letter from the mediation center.