davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

on XX/XX/2023 I mailed a letter to XXXX XXXX XXXX XXXX account ending in XXXX in regards to their company being in clear violations of 15 USC 1681b - permissible purpose of consumer reports, and how the law clearly states : a In general - subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to who it relates. I wrote them to remove all late payment from reporting to my report as they are inaccurate.

First saving Credit Card company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i )
EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( First saving credit card ) Making the report is not INCLUEDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

They responded that the laws don't apply to XXXX XXXX XXXX XXXX XXXX and they found no Violations. I attached the letter response!
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX, account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.
Consumer complaint received 2019-12-20
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. (FL)

I am a victim of identity theft. My personal information was used to obtain credit with XXXX XXXX. I found out about this when I began to receive debt collection calls from XXXX XXXX. That prompted me to take a look at my credit report and that's when I noticed that someone had used my personal information to apply for and obtain credit. I also noticed that the criminal had tried to obtain credit at other financial institutions as well. This is the worse thing that I've ever had to deal with. It is extremely dejecting trying to deal with the credit reporting agencies and banks to get this fixed.
Consumer complaint received 2023-01-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OK)

My mortgage company is PennyMac and they told me that the contract for the loan was constitutionally acceptable. They continue to make me pay for a fraudulent contract when lawful money does not exist. The Government is required to pay for everything until the return of lawful money, it is public law. Every Mortgage company in America enables and enforces peonage. Turning the American people into debt slaves, pay or they will hinder/ruin your livelihood. Since the mortgage contract is not constitutionally backed and I am a natural person with all rights reserved, without prejudice and not a legal/fictitious person ( fake ). I want my house deed and the lein released off my house, because the constitution rules and common law is the supreme law of the land. A legal contract only apply to a legal person. Considering I am a real, natural person and not fictitious, the legal documents do not hold jurisdiction or power over me. I am also aware of the definition for 'personas ' and the philosophy behind the creation of a legal and fictitious person. I have also paid over XXXX XXXX dollars towards a XXXX XXXX dollar house and still owe XXXX XXXX dollars. usury anyone?
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Preferred Collection and Management, Inc. (GA)

On XX/XX/19 I set up payments with Preferred Collection and Management Services. I made one payment online and was sent a statement for the three payments post initial payment. I was looking into why I owed $XXXX in the first place since I had not been billed. When the second payment was due on XX/XX/19 I called and payed the balance to avoid any future payments after agreeing I did owe the balance. On XX/XX/19 my bank was drafted a payment of $XXXX. I called wanting to remove my bank card from the records since I have now overpayed. I was told by supervisor XXXX  that preferred does not have my card on file and that I must have made the payment myself. I consider myself a perfectly sane person and know that I did not make the last payment of $XXXX. If they do not have my card on file, I am not sure how they can draft me. I do not trust this company and am truest fed up with them and the lack of respect I received on the phone. They also wanted me to email my bank records as proof that the charge was not backed out. Yeah no I don’t think so! Wow!
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (AL)

These unauthorized inquiries are negatively impacting my credit history and financial well-being. I kindly request your assistance in addressing this matter and having these inquiries promptly removed from my credit report. 

The unauthorized inquiries are as follows : XXXXXXXX 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 2023-05-12
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group (VA)

Waterfall Revenue Group reported medical debt to all three credit bureaus, and I disputed them as not a debt not belonging to me. I have never received a statement, agreed to payment terms, nor signed any agreements releasing medical information to this company. The debt supposedly occurred in XXXX of 2020. There was a statement on my credit reports acknowledging my dispute of being a victim of identity theft during a disaster. On XX/XX/XXXX this year, the debt was removed from all three credit reports. Then on XX/XX/XXXX, the same collection agency added the debt as a new collection account under a different number. This is false and double reporting.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (VA)

Hello, I am writing to request a goodwill credit update. Most recently I have lost a grandmother due to hurricane ida. Became stuck there while trying to attend her funeral to then be impacted from XXXX  and being in the hospital for a month. During this time when I go back thru my emails I do not notice any email statements from Nordstrom. So on top of my hardships, I didnt get my statements properly. So I had a balance of XXXX originally that now became past due and now reported to the cbr for XXXX. I have never been 30 day late in the history of my account. So i called Nordstrom to ask for this courtesy to advised I had not only been impacted medically but also by a natural disaster that caused death was told no such update can be made and was advised I have a 60 day late payment and the last payment I made was in XXXX, Now with review of my statements I show with the payment I made in XXXX that left balance of XXXX left due on XXXX that payment went over 30 days when no payment was received by XXXX So the payment would not be 60 days past due until XXXX. So this request may not get me anywhere but as working for a credit institution we even have a goodwill credit update process so I really can't believe a corporation as big as Nordstrom doesnt. Thank you for your time.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (MO)

It has come to my attention that Prestige Financial is reporting an Account on my Consumer Report without my Consent. XXXX XXXX XXXX and the Reporting company known as Prestige Financial is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding put a collection account on my credit that does not belong to me. I disputed it with Midland several times and they won't respond to me. They never validated the account. The original credit card is not on my credit either because it's not my account Midland Funding Is not bonded nor licensed to collect in my state Midland Funding continue to report this account that is not mine on my credit file
Consumer complaint received 2022-01-31
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: CURO Intermediate Holdings (TN)

I understand that there is a law that states payday loan companies are not allowed to report an account in collections on your credit report. AD Astra Recovery is the company that has the collection listed on my credit report. The original creditor is Speedy Cash, which is a payday loan company. 
I have never received any communication from AD Astra regarding this account. They posted this as a collection account on my credit report in 2021.I recently learned about the law that states a payday company can not list a collection account on your credit report.
Consumer complaint received 2019-02-09
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. (WI)

Complaint against : XXXX, TransUnion and XXXX. 
In XX/XX/XXXX, my mortgage company, XXXX XXXX XXXX , XXXX, erroneously reported to the three main credit reporting agencies that my XX/XX/XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XX/XX/XXXX mortgage payment was made on time and was not 30 days late, AUD XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XX/XX/XXXX.

In XX/XX/XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, TransUnion and XXXX   sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent XXXX XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, TransUnion and XXXX on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP (MD)

I received a convenience check from my U.S. Bank credit card. I deposited it into my bank account. While the check was in the process of getting cleared my account was charged an unauthorized purchase. I called to inform customer service and told them about the check that was deposited. They told me that they would wait a few days for the check to clear and then close the account and send me a new card. They did not do what they told me and the check bounced. I was charged a {$12.00} fee. The new card was sent to me on XXXX XXXX. On XX/XX/2023 I received new convenience checks so I tried to deposit XXXX of them. They check bounced and I was charged another {$12.00} fee. When I called U.S Bank I was told the checks were from the old account and were no good. I asked them how I would know since they were sent to me three weeks after my account had been changed. The agent and supervisor I talked to said it was my problem not theirs. Now I have had two returned check fees in less than a month and my bank is placing holds on all my deposited checks.
Consumer complaint received 2019-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I have tried to contact different debt collectors multiple times for a debt that states XXXX XXXX XXXX i have tried to contact the debt collector XXXX XXXX XXXX only to be transferred and hung up on multiple times so I then try to disputed it with the credit agency XXXX and they tell me that they verified the debt and it will stay I can not seem to have anyone tell me what the debt is for yet i to have to deal with the consequences of it is unfortunate and unfair
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I sent XXXX, XXXX and Experian a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. 

I then went back to Experian, XXXX and XXXX on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

Experian have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX XXXX # XXXX
Consumer complaint received 2022-01-31
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. (NJ)

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency Experian refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to Experian on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Experian has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how Experian is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can Experian explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and Experian is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, XXXX and XXXX are XXXX reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to Experian but have yet to receive a response. Please find all proof attached below.
Consumer complaint received 2021-11-10
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. (NJ)

I have been disputing the following account : XXXX XXXX Account Number : XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dates : pretty much all of 2019. 
Transunion credit freeze/unfreeze online never works, it always states status as " unknown '' and tells you to contact a number. The number is always answered by a person in XXXX or XXXX America and they ask for personal information ( SSN, birth date, etc ), I do not feel comfortable giving this information to someone outside the U.S.

When you ask for a number inside the U.S. they state they don't have one and can not contact you with the U.S.