davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I have called on numerous occasions to tell them that they are calling a wrong number. I do not owe any money and I do not know the people they are calling about. They say the will take my number off the list and will not call again. Then all day everyday starting at XXXX they call over and over. 
Say to call XXXX XXXX at XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Per the Fair Credit Reporting Act, XXXX Account # ending in XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy 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 a purpose.

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

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I am requesting that this account be moved from my credit report due to SEVERAL consumer laws being violated.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (SC)

Exter Finance has been disputed and contacted several times for incorrect credit reporting. The account was XXXX. in full for the settlement amount however on each credit bureau it is reflecting incorrect information. For example past due amount, closed account, delinquent, original agreement was account would be paid to delete. After account was P.D. on amount agreed and letter would be sent as proof and account would be removed however account still reflecting not only incorrect information but after terms have been meet still showing on Co owner and my account. After speaking to several representatives and several disputes account still reflecting.
Consumer complaint received 2018-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I paid the last loan balance to Oportun ( Oportun/XXXX ACH XXXX Tel ID : XXXXACH debit {$110.00} ) and I also paid ( Oportun/XXXX ach XXXX TEL ID : XXXX ACH debit {$42.00} ) for the new loan of {$500.00}, the situation is that they, Oportun are calling the people that they asked me as a references to tell them that I owe money to Oportun and that they had not being able to contact me. That's not true because Oportun has my two phone numbers and even they can call me or text me to me, but Oportun never called me or sent me a text message telling me that I'm late with payments. The only call I received from them was in the month of XX/XX/XXXX, asking if I know XXXX XXXX, because he was applying for a loan with them. First of all, it is all a lie that Oportun is telling it to my references friends, that I have late payments and that they have not been able to contact me, especially I do not have any problem with making payments to them and my checking account shows that they collected the money and that's fine, now XXXX XXXX XXXX told me that it was a confusion and that they will try to fix the problem, all this happened, today XX/XX/XXXX, in an hour later I received a called from XXXX XXXX, my friend, that Oportun called him because they are trying to contact me and that they have not had any success in reached me, so I called Oportun again and let my friend listen the conversation, and he found out how bad Oportun is doing with me, again the guy from Oportun said everything was fine. Those calls that Oportun is doing to my friends is putting me in a bad situation with them and this harassment is giving me so many headaches. I would like to be able to bring a legal action against them, but I do not know what my rights are that I have. So Im demanding that Oportun, pay me for the loss or waste of my time, the damages and prejudices that Oportun had having brought against me. Please, help me with this matters, thanks
Consumer complaint received 2022-12-22
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. (TX)

My information was breached not only by equifax but also by XXXX none of the following accounts belongs to me and was open or done fraudulently without my consent or knowledge XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$620.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$810.00} Closed
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

This letter is a formal complaint. You are reporting every month inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT with your company. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. 
I demand to See a Verified Proof. If you fail to Validate, Remove from my account immediately. 

When your system is UPDATED send me an copy of it also with the proof of physical verification.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CO)

I received a cash advance XXXXXX/XX/XXXX for {$1600.00} + {$88.00} fee. I wanted to set up a XXXX month payment at that time I was told I could do so. When the {$1600.00} was sent to my account, I called member services and asked how do I set up the 3 month payment plan. I was told that I couldnt, only think I could do is make the payment through my current credit account. On XX/XX/XXXX, I made a {$550.00} + {$88.00} for the cash fee. Plus I made an additional {$200.00} on my regular monthly account. In XX/XX/XXXX, I made a {$580.00} interest included and again paid my regular monthly payment {$200.00}. On XX/XX/XXXX, I made the last payment of {$580.00} with interest, again making my regular monthly payment of {$200.00}. The total payment I made for the {$1600.00} cash advance was {$1700.00} with interest. So, Im still receiving a interest charge after paying off the cash advance in XXXX months. I was not told by any representative of US Bank they I would still have a balance and interest because my first payment of {$550.00} + {$88.00} fee, was not applied to the cash advance. I spoke with XXXX for for over an hour on XX/XX/XXXX, She finally had her supervisor, XXXX, come to the phone for him to tell me that my XX/XX/XXXX payment was not applied to the cash advance. It amazes me that they can separate interest fees, but not when you do a cash advance vs your regular credit card. I simply want the extra interest taken off my account. 
Thank you
Consumer complaint received 2022-12-22
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-01-12
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: JPMORGAN CHASE & CO. (DE)

I see XXXX hard credit inquiries on my XXXX report that I absolutely did not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB - XXXX XXXX
Consumer complaint received 2022-12-22
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. (PA)

I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX  XXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect.

Date of last activity is reporting false dates.

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from EXPERIAN, XXXX, & XXXX. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621.

This charge off is being investigated by the FTC.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (TX)

I have paid an agreed settlement of XXXX on XXXX with I.Q. DATA INTERNATIONAL, INC XXXXXXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX They have not mailed or emailed me a receipt for this and have not reported the settlement to the credit bureaus. This collection company 's ' representatives ' has continued to state there will be a balance showing on my account and continued reporting to the credit bureaus I am delinquent. I have many times tried to work out a settlement with them which they have refused. I received a letter in the mail XX/XX/2021 giving me an option for settlement which I paid. IQ Data has not held up their end of showing the account settled. XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (PA)

On XX/XX/2021 I took a background check passed and started working on XX/XX/2021 a background check was done but this time An alert happened and I lost my position I had disputed it and in the beginning of the year I was able to work now that another background check was ran I have the same problem and First Advantage staff is very rude
Consumer complaint received 2023-10-01
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. (PA)

XXXX XXXXXXXX XXXX  for which I am a cosigner for a truck has inaccurately reported 3 missed payments. I am writing because the payment was made on XX/XX/XXXX and they updated today with a 30day late notice. Causing my credit score to lose XXXX. I opened a dispute with the credit bureaus but in XXXX this happened twice. XXXX inaccurately reported 30day late payments when my bank verified these were paid on time. The credit bureaus did nothing to fix XXXX mistakes so I am taking action now to prevent them from neglecting my account. It took years to bring up my score for inaccurate mistakes from XXXX. This company is unlawfully reporting late payments when my bank account verified they come out on time. XXXX does nothing to fix these mistakes.Please help!
Consumer complaint received 2022-10-18
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)

XXXX XXXX XXXX # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 this account was opened fraudulently in my name i have never had a account with them
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: M&T BANK CORPORATION (PA)

I closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.
Consumer complaint received 2022-12-22
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. (VA)

My information was leaked because of a data breach, when I noticed the theft I did not know what to do about it until recently. I tried to resolve it with the Consumer Reporting Agencies but they said all I could do was to put a freeze on my account and put in a fraud alert. The following information on my consumer report is incorrect and was not authorized by me and would like it to be taken off of my consumer report. 

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXt XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Name Spelling : XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Last month I pulled my credit report because I am in the process of purchasing a house and I noticed that National Credit Systems ( XXXX XXXX ) reappeared on my reports in the amount of {$80.00}. I previously disputed this erroneous debt and it was removed from my reports. I have not received any kind of correspondence, calls or emails from this company. I have not idea who these people are and why they are trying to collect from me. I have faxed over a Debt validation letter as well as filed a previous complaint through CFPB and nothing has been resolved.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

In XX/XX/XXXX, while undergoing the process of refinancing my mortgage, I was informed by the mortgage originator of an unexpected lien on my property. Subsequent investigations revealed that this lien originated from a default judgment against my wife in XXXX, concerning a minor credit card debt managed by a Florida-based debt collector. ( https : //raslavrar.com/ ). The judgment, obtained without proper service as evidenced by an inaccurate physical description in the service document, led to the filing of a lien against my property, which was not disclosed during our XXXX  XXXX bankruptcy filing in early XXXX. Further, I am suffering the consequences without any attempt at notification. 

I wish to express my concerns regarding this matter : XXXX. The lien 's association with my name on the county recorder 's website, despite my non-involvement in the debt, appears to contravene the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the publication of debtor lists that defame individuals not party to the debt. 

XXXX. The placement of a lien on a homestead property for a debt unrelated to the property itself contravenes Florida law. The collection agencies actions in this respect seem ethically questionable, particularly given their awareness of these legal stipulations. 

XXXX. My right to be notified and participate in legal proceedings that could impact my property was violated. The firm 's secretive continuation of litigation and the resultant lien on my property deprived me of the opportunity to contest the matter or settle the debt. 

Further complicating matters, during a recent call to the firm to resolve the judgment for my mortgage refinancing, I inadvertently overheard a discussion indicating their refusal to accept payment due to the bankruptcy, followed by a disconnection of the call. This incident, coupled with the firm 's approach to filing liens for credit card debts on homestead properties, raises concerns about unfair and deceptive debt collection practices. 

The impact of this situation has been multifaceted, causing not only financial strain due to delays in refinancing but also professional and personal embarrassment. The requirement for a payoff quote for the judgment by the mortgage company has inadvertently affected my professional reputation in an industry where trust and ethical conduct are paramount. 

In light of these issues, I am considering legal representation to address this matter, which regrettably will incur additional costs potentially exceeding the original debt amount. This situation underscores the need for diligent legal review and rectification to safeguard against such unfair practices.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I returned home from a trip and found a billing statement in my mail from XXXX XXXX XXXXXXXX with a new balance due of {$13000.00}. 

The bank that issued the credit card is COMENITY. 

There was a single transaction posted on XX/XX/XXXX for the entire balance due. 

I did not open this account or authorize a purchase and believe I may be a victim of identity theft. 

I called the customer service # on the billing statement to report the fraud and was connected to Comenity 's fraud department. I was told they would open an investigation and close the account. 

Today I noticed the opening of this new account has appeared on my credit reports so I wanted to take this additional action of reporting the fraud. 

Please let me know if there is more information I can provide. Thank you.