davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc (CA)

I've been trying to resolve this issue with this company and it has been 3 months now and they are not taking this matter seriously. I contacted them about validation of debt and when they provided it, it proved based on laws in the state of Washington that there debt is illegal. 

Based on the documentation it affirms my move out date of XX/XX/XXXX and this would mean based on the law that 21 days later the final move out the landlord must provide the statement as to the disposition of the deposit along with any charges. 


My previous offer is rescinded and I am now fully disputing this entire collection balance. 

This is in regard to our phone conversation regarding the itemized statement you provided in reference to the debt assigned to you by XXXX XXXX. 

As mentioned, the packet of documents you sent over had several addendums and revisions to the final move out report and deposit worksheets that have been presented to us since our move out XX/XX/XXXX. Specifically, the final revision the following line items dated after the 21 days XXXX XXXX had as prescribed by XXXX XXXX which states ( 1 ) ( a ) Within 21 days after the termination of the rental agreement and vacation of the premises or, if the tenant abandons the premises as defined in XXXX XXXX, within 21 days after the landlord learns of the abandonment, the landlord shall give a full and specific statement of the basis for retaining any of the deposit, and any documentation required by ( b ) of this subsection, together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. 

Note : 21 days was increased to 30 days as of XX/XX/XXXX but that does not apply to this case. 

XXXX XXXX failed to meet this requirement in order to have a legal claim to collect on my security deposit as they did not provide any documentation dated within those 21 days. The documentation provided is postmarked and dated well after the 21 days. 

In addition, there are several deposit worksheets and Move out reports that are conflicting. An examination of the itemization reveals that there was a charge of {$780.00} added on XX/XX/XXXX described as Replace a broken window which is a full 6 months after my move out statement. That is completely unreasonable, unacceptable, and rejected. I feel well within my legal rights to reject any of the line items after XX/XX/XXXX.
Consumer complaint received 2023-12-01
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)

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 2023-12-01
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. (MO)

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 2023-08-06
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: Experian Information Solutions Inc. (GA)

`In accordance to the Fair credit reporting act this creditor XXXX XXXX and XXXX XX/XX/XXXX  has violated my rights. 15 U.S.C. 1681b sec.602 I have a right to privacy. 15 U.S.C. 1681 Sec. 604 ( A ) sec. 2 a consumer reporting agency can not furnish an account without my written permission. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpse.
Consumer complaint received 2023-08-30
Product: Credit reporting 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. (NY)

I DO NOT RECALL OR RECOGNIZE ANY OF THESES HARD INQUIRIES : 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 2023-12-25
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. (MI)

By law, I am supposed to be paid for everything that was erased from my credit report over the years, and I havent received not one payment. In the below video is what Im required to receive. 

Evidence : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-08-30
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. (PA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states : I hate the right to privacy.

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

15 USC 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 USC 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 2023-12-27
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. (CA)

GAVE NOTICE ON IXX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2.

ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Consumer complaint received 2018-12-26
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. (TN)

There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

THIS COMPANY IS IN COMMITTING IDENTITY THEFT BY REPORTING INFORMATION OF MY CREDIT REPORT WITHOUT MY CONSENT AND ALSO VIOLATING 15 US CODE $ 1681c-2.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express Must provide clear breakdown on my payment history before dismissing all my claims. They must explain to us the reason they can not give a payment ledger reflecting a final balance of {$5800.00}. {$2500.00} surplus has been paid and can not be included in my final balance of {$3300.00}. if they can not give a clear accounting proving their claims and refuting my claims, then I will not make any payment until the issue is resolved. In American retaliatory and vindictive approach, they have reported my account 30 days late to the credit bureau. Shame on them because have refused to resolve my issue by virtue of me closing the account. I have the right to cancel when a company like American Express is having its representative calling me Because my balance has reached over XXXX XXXX and it has an appearance me of me not being able to afford it. I have a clean history of paying bills on time. Provide the fact because you are not being forthcoming.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the Experian, XXXX and XXXX to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 USC 1681 Section 602 A States I have the right to Privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer Reporting Agency Can not Furnish a Account without my Written Instructions! 5 USC 1681 C ( ax5 ) 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 then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
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: OneMain Finance Corporation (PA)

I was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-06
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a XXXX customer with an active account that is in good standing. A few months ago, I started receiving letters in the mail stating that I had a bill of {$1000.00}. I immediately logged into my XXXX account and saw that it had nothing to do with me, so I assumed it was a scam and ignored it. However, after receiving the same bill three times, I called XXXX to ask them what it was about. They told me that they didn't know and that my normal account was fine. I asked them to remove it from my name, and they said they would. 

However, I continued to receive the same letter repeatedly, so I called XXXX again to ask what was happening. The person on the other end of the line informed me that the account had come back as accurate. When I asked why they hadn't contacted me, the person didn't know what to say. They then called the fraud department, who advised them that it was a mistake made by a XXXX representative in store and that customer service needed to cancel the account. They assured me that it would be taken care of. 

However, by this time, the account had been linked to my SSN and reported on my credit report as a missed payment. I asked the person on the phone to ensure that it was removed from my credit report, and they assured me that it would be done within seven business days. This was before XX/XX/2023. After a few days, I checked my credit report again and saw that it had been sent to a collection agency. After spending more hours on the phone with XXXX, I realized that the previous agent had closed the account but had not removed the balance, leaving me in a more serious problem, which was a collection. They advised me to file a dispute, but it did not help. 

Now, I am fed up with XXXX. I have not been able to obtain more credit because of this issue, and nobody at XXXX is taking it seriously. I don't understand why, if a XXXX representative made a mistake, it should be my responsibility. I am extremely upset and want to sue them for this. Additionally, they should erase this delinquency from all three credit agencies.
Consumer complaint received 2023-12-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE 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.
Consumer complaint received 2023-09-22
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. (AZ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.
Consumer complaint received 2023-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I pay the insurance and taxes on my house. There is no escrow. My insurance company decided to pull out of the area in XX/XX/XXXX. I had to find new insurance and given the tight market I was only able to obtain insurance through XXXX. They however required a new roof as well as other updates and I was not able to get coverage while these updates were being done. I contacted the insurance department of my servicer select portfolio servicing and requested a forced place policy be imposed. I was told no such policy could be issued as there was an extensive process which would take time. I was able to get a liability policy and once the updates were completed I bound the XXXX  policy. I was however subjected to a 30 day wait period.. as of XX/XX/XXXX when I purchased the policy with XXXX  select portfolio did not impose a forced place insurance policy. However once they received the new policy I sent ti them, they charged me for a forced place policy all the way back to XXXX of XXXX even though there was no policy in place at that time they back dated the effective date of the policy, the charge for which showed up on my XX/XX/XXXX mortgage statement and not on any of the prior months mortgage statements. I don't think this should be allowed. I paid them in full but would like to get my mon XXXX y back. Please help
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX is inaccurately reporting information on my credit report. I have never signed a contract with them agreeing to pay them any money owed. It is reporting as a collection account as of XX/XX/2020. The statute of limitations in South Carolina to collect on a debt is 3 years. The statute of limitations has thus expired. They are also report the collection as past due every month. A collection can not be reported as past due. Please have XXXX XXXX XXXX verify this debt and show indisputable proof that I owe them this debt. If they can not, please remove from my credit report immediately as this inaccurate information is having a negative impact on my credit profile as well as my credit score. I am currently trying to purchase a home for my family and this inaccurate reporting is hindering me from doing so. Thanks for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/202XXXX XXXX
Consumer complaint received 2023-12-25
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. (NV)

The account XXXX XXXX XXXX XXXX  XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting XXXX late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.
Consumer complaint received 2023-12-25
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. (NV)

The account XXXX XXXX XXXX XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.