davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC (TX)

This company has been calling repeatedly, not only myself but also calling extended family and friends. When I answered today (   XXXX   XXXX   @  XXXX  p.m.  )  they did not tell me the call was recorded, did not identify themselves by  Company name even when I asked repeatedly. I told them they had some misinformation and the girl w ho said her name was  XXXX   XXXX  but at first told me her name was  XXXX   )  pounced on me and said I had admitted to the debt ( which I had not, I simply asked for verification of the debt ). She was extremely rude, loud, talked over me and would n't let me get a word in edge-wise. Multiple times she flat out refused to give me the name of the debt collection company she represented. She threatened to take legal action. Again, I tried to ask for validity of the debt and she refused, speaking over me and continuing to threaten me with action. I finally hung up on her. I called back and asked to speak with a  manager and encountered another rude person who kept refusing at which I point I mentioned taking legal legal action against them. I finally was put through to a " manager ''  by the name of  XXXX   XXXX  who said he worked for  XXXX   XXXX   XXXX   XXXX . I explained to him the problem but had no real resolution.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Look a update was completed on my experience credit report XX/XX/XXXX. The update removed most of the Collection markings except XX/XX/XXXX. In clear bad faith, experian as the principal and its agent, did not remove all of the Collection marks. Its agents also did not mark the months as Closed. It did not fully reflect the account and its report as closed and settled. 

I clearly gave them evidence that is favorable in the court of law that the XXXX account is closed and settled. There is no collection action and there are no debts, period. End of story.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-08-19
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. (OH)

XXXX XXXX XXXXUPDATED XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-UPDATED XXXX XXXXUPDATED XXXX XXXX  XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX-UPDATED This is not telling me how we're these account verified . 
So once again I'm requesting method of veification for the accounts above, not an update but verification. 
I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off XXXX credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had XXXX credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost XXXX points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue Equifax, XXXX XXXX XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost XXXX points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for Equifax it has n't gone up hardly any points after paying XXXX credit cards to XXXX, and experian this is so frustrating.
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-19
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. (TN)

I have waited 30 days to see changes to my credit report, and there were none. I sent information to Experian and XXXX regarding the reporting of the bankruptcy that is showing on my credit report and both Experian and XXXX stated that they verified the account by sending me correspondence that it was accurate based on what was reported from the bankruptcy court. I received correspondence from the courts as well stating that they do not provide information to any of the bureaus regarding validation so that means Experian and XXXX lied. 

XXXX : Account number : XXXX, The filing date is incorrect and also reporting another Account Number : XXXX which is incorrect, inaccurate, and unfair reporting. 

This is really stopping me from rebuilding credit. How can I rebuild credit if these inaccurate accounts keep reporting negatively? Can you answer that for me? How is that possible to verify these accounts as accurate when XXXX did the same investigation and the bankruptcy was deleted? Can you tell me what data you are using to verify this information because the other two credit bureaus are reaching out to the same court to investigate the above accounts? Im planning to file complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state, as well as the Consumer Financial Protection Bureaus because you have failed to fix the problem. Please re-investigate the accounts indicated above as I have provided you with new information. Im not complaining, I just need this inaccurate item fixed. Im ready to file more complaints with other agencies if this matter is not fixed. 

Please send me an updated copy of my report and notification that items have been updated.
Consumer complaint received 2023-08-19
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. (NY)

I am notifying the CFPB that my identity has been stolen and used for fraudulent purposes. 
When I rst noticed when my identity had been compromised I placed a fraud victim alert on my XXXX, XXXX XXXX and Equifax credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX I still dont have any informationon who this theft is but I will update identityTheft.gov when i found who.
Consumer complaint received 2021-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (CA)

This is a slightly complicated issue, so bear with me : I had a XXXX XXXX years ago through Barclays Bank. I paid off the balance and closed the account back in 2018, and destroyed the card. XXXX balance, closed account. 

Sometime this summer, Barclays accidentally mailed us a check for {$2800.00}. We thought it was related to something else that we were working on, a different transaction with a different company. We deposited the check and directed the funds to an expense. 

This Fall, in XXXX, Barclays informed me that there was an error, and that they were placing the erroneous balance of {$2800.00} that we were accidentally sent by them, onto my closed credit card account. The closed credit card account now has a balance of {$2800.00}, and less now since we have made one payment through Barclays website. The balance has a high interest rate. We would like to use one of our ZERO interest cards to move the balance away from Barclays, and again, have this account eliminated. 

Here 's the problem. We only have the last four digits of the credit card, even when we go into Barclays website to make a payment. We can not do any kind of balance transfer unless we have the entire credit card number, expiration date, and security code. We have none of this information. We can only make payments. 

I called Barclays today and requested that they 1 ) reopen the account and send us a new card or 2 ) provide us with the information associated with the credit card or 3 ) provide us with some other way to access this account so that we can move the balance somewhere else. Even after escalating to a supervisor, I was told that they can not help us with my request. I was informed that the only option we have is to make payments to the currently closed credit card account that now has a balance on it. We get no statements, we have no credit card number - only the last four digits of this credit card that we paid off, closed years ago, that now has a new balance on it because they accidentally mailed us a check for {$2800.00}. 

Listen - My wife and I have no problem with paying back money that we mistakenly accepted, even if the check was sent to us by accident. I am only asking for a way to have full access to this closed account so that we can apply a different payment solution than simply paying them payments on their website, with their ridiculous interest. Frankly, I believe they are scamming us a bit by forcing us to pay their interest and not reissuing a card. It's a closed account. Why were they able to put a balance on it, but they can not give us access to the account information?? That is really XXXX. 

I hope you can help us resolve this.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in XXXX, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.
Consumer complaint received 2023-08-19
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. (IN)

I am a victim of identity theft. I am writing to request that you remove the following Incorrect 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.
Consumer complaint received 2021-03-22
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. (WV)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-08-19
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)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX 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 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my writing 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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This entire credit situation is deterring me from purchasing a home for my family.
Consumer complaint received 2023-08-04
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (RI)

I received multiple phone calls and emails indicating this will show up on my report for collections if I don't pay it off now since then they increased the amount, and it keeps increasing I want this removed asap from my credit report.
Consumer complaint received 2023-08-04
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-03-14
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. (IL)

XXXX XXXX XXXX BALANCE NO KNOWLEDGE OF THIS ACCOUNT CAUSING MENTAL ANGUISH DESTROYED MY CREDIT SCORE AND CALLING ME HARRASING ME ABOUT PAYING WITHOUT PROVIDING PROOF SIGNATURES OF ME SIGNING ANY AGREEMENTS
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (OH)

I suddenly and randomly have over 5 or 6 records on my collections account from Wakefield & Associates and they were all reported on the same day. It makes no sense and it is definitely not my debt. I really want it removed and asap.