davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I owed a total of {$790.00} to Midland Credit Management, and reached a settlement for a one time payment of {$670.00} to settle the debt and close the account on XX/XX/XXXX. The confirmation # for that is XXXX XXXX XXXX. However, they continue to claim I still owe them {$110.00}. I do not owe them this as we reached a settlement, however they are refusing to close it. I have contacted them multiple times, the last being dated XX/XX/XXXX to resolve this issue but to no avail.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (VA)

MCM consistently calls and hangs up the phone first thing in the morning. Anytime I answer " Hello? '' the call ends, yet they are calling everyday and hanging up. This is disgusting and harassing. I don't even know why you're calling me because you don't even have an actual human being on the other end of the phone to explain the purpose of the calls. 

This has been going on for weeks and is very harassing. I need for MCM to cease all communication with me due to the harassing crank calls.
Consumer complaint received 2024-03-28
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Dear XXXX XXXX XXXX XXXX Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-13
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. (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. 

XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # 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 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

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 Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  account number 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 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experain has provided false information in regards to my name and address. 
On the credit report for years I have tried to reach out to the company once denied by creditors. 

Experain has never fixed the problem of the name on my accounts. 
Which include the four different names listed on four different occasions which made creditors deny me personal credit and business opportunities. 

This account needs to be properly addressed. Monetary relief is requested and also is needed at this time. The inaccurate details, have had a great magnitude over my life and included increased rental fee 's based on the creditor not being able to verify my credit identity. 

There are also, three different addresses listed on the credit report.

Which total to seven inaccurate details listed on the report. Though experian has informed me recently that they have attempted to correct the error. 

The financial damages an impact are left unaddressed. I am seeking XXXX dollars in monetary. Though I have counted 7 errors. There needs to be some sort of restitution. 
The credit company 's should take accountability for their actions. 

Also, I have a good track record with paying child support on time. 
This child support was taken at XXXX dollars a month directly out of my wages with XXXX XXXX. Which a fair credit report should indicate a fair or Good credit score. 

However, You are still lacking to report it as a good reflection of debt an timely consistent payments. I have attempted to purchase a home and pay low monthly rates toward a mortgage instead of increased monthly rent above the fair market value. 

Please prepare to take the proper measurements and administer relief. 
I thank you all in advance.
Consumer complaint received 2024-07-09
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)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION accounts XXXX XXXX  XXXX XXXX {$3800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Visited XXXX XXXX  XX/XX/XXXXXXXX  to order furniture to be oredered nad delivered in XX/XX/XXXX. 
Salesperson told me " Promo '' started XX/XX/XXXXXXXX  and is 12 month in duration. Trap # 1 Set up auto pays so could pay over time- I have a XXXX credit score and no credit cards bills Next- I get XXXX statement from Synchrony Bank and no interest is charged so I assume all is correct. XXXX I see an interest charge and I IMMEDIATELY call - we start a dispute to clear up confusion as my 12 month " Promo " should be XXXX or now. 
I have made 19 calls to both Synchrony AND XXXX to problem solve. Spoken to at least 20 different people, like XXXX employee ID XXXX, XXXX and XXXX employee ID XXXX. Calls spanned from XXXX through today and I have those details. 
One acct manager had a solution of asking XXXX  to extend the promotion int heir system so it would feed to Synchrony, adjust and then we would be clear. XXXX, managet at the XXXX store in XXXX FLorida agreed and submitted. Synchrony is saying sorry - not possible and I woe over # XXXX in accumulated back interest at a whopping 30 %. I was given different information and acted in good faith. I am reasonble and have taken the neecesay action steps- so much as paid the balance in full in XX/XX/XXXXXXXX  to be sure by XXXX we were in a credit balance. I am so upset as can not affor to waste {$3300.00} in insane highway robbery inteest rates. This sounds borderline illegal. I need help advocating as I have exhausted myself trying to elevate and problem solve. ANy recourse other than go to court at an additional expense? thank you in advance!
Consumer complaint received 2024-06-08
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)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-04-28
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AE)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-03-28
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 2024-04-28
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Afternoon of XX/XX/XXXX XXXX at Select Portfolio Servicing required I fax my bank statement to prove mortgage payments for the month of XX/XX/XXXX. 
Paper checks were either lost or delayed from initial mailing XXXX. 
Faxed XXXX XXXX XXXX to Cashiering subject : Missing Payment Research to XXXX XXXX XXXX. 
Dollar amounts of checks are {$1200.00} and {$1000.00} both posted previous day on XX/XX/XXXX but system didn't update until XX/XX/XXXX. 

On XX/XX/XXXX I spoke with XXXX at XXXX and XXXX ( supervisor ) x XXXX to complain about why Cashiering department has also lost bank statement itself! 

I spoke with XXXX and XXXX in loss mitigation for 34 min on XXXX XXXX XXXX and an hour and 16 min on XXXX XXXX XXXX again complaining why Select Portfolio Servicing lost my bank statement after both mortgage payments finally posted XXXX XXXX XXXX. 

I also spoke with XXXXi Supervisor in Loss Mitigation since I as a customer am not allowed to speak to Cashiering department.

I believe Select Portfolio Servicing never lost my bank statement and claiming XX/XX/XXXX mortgage payments not received was a ruse to acquire my bank statement to gain leverage over my confidential financial information. 
Select Portfolio Servicing is attempting to renege on my low interest loans 3.375 % and 3.875 % through foreclosure in XXXX. My payments are not late nor lost. 

To be clear each page of fax spelled out loan numbers ATTN : Missing Payment Research
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QUALITY ACCEPTANCE LLC (NV)

My private information was used in data breach as well as I am victim of labor XXXX  a adverse Letter has been filed and sent with no response from XXXX XXXX XXXX below accounts showing inaccurate information and according to fair credit section 605b I was promised accuracy, and it is illegal to report information on my credit report without my permission. Please remove these items from my credit report Immediately. 

Public Record XXXX XXXX XXXX Inaccurate information Quality Acceptance Llc closed XXXX Inaccurate information Quality Acceptance closed XXXXXXXX XXXX Inaccurate information XXXX XXXXXXXX closed Inaccurate information XXXX XXXX closed Inaccurate information XXXX XXXXXXXX XXXX XXXX closed Inaccurate information XXXX bank closed XXXX Inaccurate information I requested copies of contracts and original signature for verification I didn't get a reply back but a remaining resolution of inaccuracy, reporting on my credit report as valid.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Dear sir, I would like to complain on my credit report prepared by a credit report company, Experian, especially on the section of XXXX XXXX. From XX/XX/XXXX of XXXX, an extended fraud alert was on this companys credit report. Before this alert was on, I have complained to this company addressed XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, the written so-called statement XXXX XXXX XXXX XXXX : I AM CURRENTLY ON XXXX XXXX XXXX. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT - -. THIS ALERT WILL BE MAINTAINED ON FILE FOR XXXX XXXX BEGINNING XXXX. 

On these complaints, I tried to dispute that I was a XXXX nationality and from my birth year, this XXXX XXXX alert should not be written and added by me, because, clearly, a XXXXXXXX XXXX  would not serve the United States in the military. However, this company, Experian, deleted the information of birthdate last week, about XX/XX/XXXX of XXXX. And I would like to add my comment, maybe, this Experian considered I would apply to be the United States citizenship after the duty of military and possibly the education as a benefit of service. Therefore, since I have education which reached as a XXXX XXXX candidate of XXXX XXXXXXXX XXXX, a holder of XXXX XXXX XXXX and a currently pursuing another XXXX XXXX, I should understand myself that this Experian want me to be a citizen of the United States and agreed I was serving in the XXXX. However, I am not in the XXXX and living in XXXX XXXX, XXXX XXXX with my family. As the end of this complaint, I would like the attorney of XXXX XXXX to request the deletion of the statement part of military duty from my credit report of Experian and submit the reason of addition of this part and who requested it. 

Sincerely,
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: Credence Resource Management, LLC (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX/Dept. of ED, XXXX XXXX and Credence Resource Management has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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. 

XXXXDept. of ED : 1. {$3900.00} ( XX/XX/XXXX ) 2. {$3300.00} ( XX/XX/XXXX ) 3. {$5000.00} ( XX/XX/XXXX ) 4. {$3100.00} ( XX/XX/XXXX ) 5. {$2500.00} ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. {$6800.00} ( XX/XX/XXXX ) 8. {$5100.00} ( XX/XX/XXXX ) 9. {$1200.00} ( XX/XX/XXXX ) 10. {$3900.00} ( XX/XX/XXXX ) 11. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : 1. {$2800.00} ( XX/XX/XXXX ) Credence Resource Mana : 1. {$1000.00} ( XX/XX/XXXX )
Consumer complaint received 2023-12-18
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. (MI)

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 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 2023-04-27
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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