davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

When I obtained a copy of my Experian credit report it showed that a bankruptcy was on my personal report that was filed in a court in XXXX NY in XXXX of XXXX. I tried to drive to this courthouse and was told that it no longer exists and has not for decades.I then tried to call the phone number for the courthouse listed on my Experian credit report which is a XXXX area code and was informed that the number I dialed was in XXXX, XXXX.On XX/XX/XXXX I sent Experian a certified letter explaining the errors on my report but to my shock and dismay they claimed to have verified this false information. I then sent them a follow up letter on XX/XX/XXXX requesting how they veried the information with the courthouse. They responded that they did not verify the info thru the court but thru a 3rd party called XXXX XXXX.I have had a security freeze on my XXXX XXXX account since XX/XX/XXXX so it would have been impossible for Experian to verify anything with them.Experian lied to me and violated FCRA laws.I sent Experian a letter on XX/XX/XXXX explaining to them the laws which they had violated. I also called them on XX/XX/XXXX at XXXX and was placed on hold for 47 minutes when I did reach a representative I was asked several questions to identify who I was, but when I asked her questions about Experian 's FCRA violations against me, she cursed at me and hung up.I have exhausted every XXXX XXXX to get Experian to resolve this issue to no avail and that is why I am forced to file a complaint against them.
Consumer complaint received 2020-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from XXXX report. I gave wrong address before
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ResidentCollect, Inc. (SC)

On XXXX XXXX at approximately XXXX, a male representative from Innovative Recovery Inc with a foreign accent decided to use only my birthday to verify it was actually " me '' he was talking to, stating my balance owed, the original balance, and whatever else that was listed on my account, not knowing it was actually my friend who had called to make a payment. After the male representative learned that it was not me who he was talking to, he stated he had to end the call immediately. So basically, this company isn't teaching their employees how to properly verify their consumer 's information. It's obvious that this company is teaching their employees to use only one piece of information to verify the rightful account owner. I have since disputed this account to be deleted for violation of the FCRA. Ever since XXXX, when I first made a payment, I have asked to be sent a copy of my contract with my wet signature upon it, displaying my balance and confirmation of payments. I have also requested proof of their license to collect debt and XXXX stated they don't provide copies of licenses to the consumer. I also asked to be sent an official letter with their letterhead attached, stating they would delete this account if I paid it off. XXXX insisted they only send letters once the balance is paid in full. It is XXXX and I have not received anything yet. This company is a straight scam and I would like a refund of my payments. I am not allowing this violation of my consumer rights and privacy to slip away. Thus company is too focused on receiving payments, they don't care who calls in to actually make the payment. Something needs to be done immediately
Consumer complaint received 2020-10-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2020-10-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2020-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.
Consumer complaint received 2020-10-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paramount Recovery Systems, L.P. (VT)

I have tried to dispute this debt three times on XXXX. I have gotten it removed from XXXX  and I am working on getting removed from XXXX. This debt popped up on my credit report in XXXX of XXXX for the first time. It is from XX/XX/XXXX and they keep reporting it as being from XX/XX/XXXX and it damages my credit preventing me from getting a mortgage. 
From what I understand this fits the definition of re-aging. A debt collection company buys an old debt and then puts it as a new account hoping I will pay it off. This debt is from XX/XX/XXXX and I am going to wait for it to fall off of my record. It is not fair that they can do this and despite me disputing it three times, it stays on there without being fixed. 
All I want is for the debt to be reported accurately. I don't even care if it is removed or not, just put that it is from XX/XX/XXXX and not XX/XX/XXXX. I never made any sort of payment on it or anything so they cant say that restarted the time either. I've never even been notified of this debt.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TN)

The account being reported by XXXX in question is TD BANK USA/TARGET CREDIT in the amount of {$410.00}. On XXXX-2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( TD BANK USA/TARGET CREDIT ).  On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ).  On XX/XX/2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated XXXX credit report of XX/XX//2019, the payment status for this account reports as charge off with a balance of {$410.00}.
Consumer complaint received 2020-10-05
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. (TX)

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX  XXXX they notify of any changes in credit scoring on both XXXX, and XXXX. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/2014 ) this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and XXXX, Experian. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an XXXX  XXXX XXXX  on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on Experian because of XXXX.. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.
Consumer complaint received 2020-10-05
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: EQUIFAX, INC. (TX)

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX  XXXX they notify of any changes in credit scoring on both XXXX, and Equifax. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and Equifax, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an XXXX  XXXX XXXX  on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on XXXX  because of XXXX.. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On the date XX/XX/XXXX I applied for a pre approved auto loan with XXXX XXXX XXXX XXXX upon being accepted for a XXXX dollar auto loan, which included GAP. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a XXXX XXXX  which left car totaled. At the time I was one month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to XXXX XXXX they also told me my GAP didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.
Consumer complaint received 2020-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX XXXX However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
( 1 ) XXXX SC XXXX Portfolio Recovery Associates, LLC brought this old credit card from XXXXXXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also Portfolio Recovery Associates, LLC posing as XXXX XXXX XXXX  ( XXXX ) ; we currently in dispute ( 3 ) XXXX SC XXXX This is XXXX XXXX XXXX, XXXX posing XXXX  XXXX ( XXXX ) ; we are currently in dispute
Consumer complaint received 2020-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX 3.0 they notify of any changes in credit scoring on both Transunion, and XXXX. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX  the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/XXXX ) this company is still practicing in the same unfair credit reporting ways to  the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with Transunion and XXXX, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on XXXX   because of XXXX. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or Transunion. Why I'm I not being treated with fairness in this.
Consumer complaint received 2023-07-06
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (SD)

In accordance with the Fair Credit Reporting Act, Dept Of EdXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states that 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 2023-05-08
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown’s New Credit Bureau Inc. (AZ)

I noticed this account was listed as a collection on my credit report as ( Browns collection services ) with a phone number of XXXX I had no idea what it was for so I requested a Validation of debt to them and received a response on XX/XX/2020 with a letter stating this was a copy of a bill from XXXX with a copy of my medical treatment information which stated what medical procedures where done and the cost also a copy of the office policy but never did they send me a Release form to share all this medical information with the collection agency This is a violation of my rights The HIPAA law protects patient privacy and that includes third party debt collectors accessing your information. They also never send me a notice of my right to dispute the debt and on the statement send to me the balance is  {$250.00} but they are reporting a debt of {$420.00}