davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is being filed because of the constant non-compliance of TransUnion. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/2022 I mailed a letter to TransUnion challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX. I recd a letter alleging that I was a Credit repair Company. On XX/XX/2022 I wrote another letter and mailed it certified to TransUnion informing them I had recd no response and pointed out to them inaccuracy being reported. I requested account be remove due to inaccurate reporting. The account number was different from XXXX and XXXX so I requested correct account number. The address given for the alleged account owner was also inaccurate and different from XXXX and XXXX. On XX/XX/2022 I received a letter from Transunion that the account was verified accurate and updated. On XX/XX/2022 I mailed a certified letter to Transunion Attn : Dispute Manager I explained I was left with no choice but to file a complaint with the CFPB, Attorney General, XXXX and XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the XXXX Law. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Why is this account still on my credit report? When I sent proof, it should be deleted.
Consumer complaint received 2022-04-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (NC)

I have {$38.00} in my crypto.com account. I have asked the company to release my funds, but they require a minimum withdrawal of {$100.00}. However, I have explained to the company that I do not have any money in my bank account. I think my balance is currently negative at the moment, so I have tried to get them to understand that I can not add money to my account to meet the withdrawal minimum. Despite this, they have given me no option in which I can access my funds without adding more money into my account. If I try to add money, I will be charged a {$30.00} overdraft fee by my bank.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (NC)

I am writing to express my strong dissatisfaction with the inaccurate reporting of the collection account, originally held by XXXX XXXX XXXX and now managed by your agency, on my credit reports. The reporting inaccuracies are a clear violation of consumer protection laws, and I demand the immediate removal of the account from all credit reporting agencies.

Details of the account are as follows : Account Holder : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Status : Open [ This is the reporting error ] Reporting Error and Violation : Open Status Inconsistency : The account is incorrectly reported as " Open. '' This is a serious reporting error as the account is currently in collection status and should not be listed aXXXX XXXX XXXX XXXX Consumer Protection Laws Violated : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : The FCRA mandates accurate and fair reporting of consumer credit information. Reporting an account with a status of " Open '' when it is in collections violates the accuracy requirement.

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : Misrepresenting the status of a debt is a violation of the FDCPA. Reporting an account as " Open '' misleads consumers and misrepresents the actual status of the debt.

Immediate Action Requested : I am formally demanding the immediate removal of this inaccurate collection account from all credit reporting agencies. Failure to comply with this demand within the statutory XXXXy period will compel me to take further legal action to protect my rights under the aforementioned consumer protection laws.

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 our CITI Mastercard was fraudulently charged {$5000.00} by a company we do not know. This company is presumably in XXXX, XXXX, but XXXX turns up nothing. We were in XXXX at the time and used this card for most of our purchases. We reported fraud to the credit card company. In response, the company 's letter sent to us on XX/XX/XXXX states " Valid charges were made with the credit card issued in the name of [ my name ] both before and after disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''. I called the company on XX/XX/19. When I tried to argue my case with their fraud department, I was told that, since the physical credit card was used in the transaction, we must have done the charging - case closed. It is possible that, by mistake, we let a vendor handle the card without our direct supervision which is common in the US. So it is entirely possible that someone ran the card through two card registers - one for a legitimate purchase and one for a fraudulent charge.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

For more than a year I am trying to find a loan to pay off SLS since they have refuse to make a loan modification or continue making payments, I have tried to refinance and they refused to provide information the underwriter have requested to process the new loan. I am trying to refinance with another lender they requested XXXX mortgages statements and the pay off. The last mortgage statement shows {$52000.00} dollars and the pay off is almost {$100000.00} dollars. 
I do believe that this is a scam and a sort of a predatory lending to make harder and harder for me to find a refinance to pay them off If I don't close a new loan by XX/XX/XXXX. they threaten me with a foreclosure sale on XX/XX/XXXX. even though I have a XXXX XXXX XXXXXXXX as a first lien.
Consumer complaint received 2022-04-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Act # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, and XXXX XXXX XXXX Act # 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
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Consumer complaint received 2022-04-21
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Other accounts : 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-21
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other accounts : 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX my debt was paid to Midland Credit Management. They advised once i paid my collection I would receive a release letter as a pay to delete and that it was my responsibility to call one of the Credit Beureus and advise that I paid my Commenity Petland account to Midland Credit. Ive done so both by phone call XX/XX/XXXX and by several disputes through XXXX and XXXX XXXX. My payment /rating still appears as Charged off and or changes to purchased by another lender I understand the standard 7 year rule but Again I was told to pay these guys and it has not been deleted or even updated on my Credit Report. I have submitted all documents to XXXX  and there are zero changes to my pay status on this collection account.
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PR)

Midland Credit Management has falsely claimed it has entered into a debt obligation with me. Midland Credit Management has failed to show a contract or trust containing its claim of a contract or trust. There are seven elements of a contract and three elements of a trust. Midland Credit Management has failed to provide to me any written agreement accepted by me containing an alleged debt obligation or offer by Midland Credit Management
Consumer complaint received 2022-04-21
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)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : 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 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TX)

I received a call and then a letter from AvanteUSA claiming to be a debt collecting agency for almost {$4000.00} for XXXX XXXX XXXX XXXX. I have never been there. I called the hospital and verified that they have no account under my name with my address or my birthdate. I called AvanteUSA, spoke to a woman who stated that her name was XXXX XXXX, and she stated they received the debt from " XXXX XXXX ''. I advised that I have never received care at that hospital and I believed this to be a fraud attempt. She stated that she would " remove that address from the account '' but did not state anything about a date of birth or social security number. When I told her I thought this was a scam that was part of a larger " credit repair '' scam, she hung up on me. 
This is the third time that a XXXX family member has experienced this. One of those times resulted in additional fraud from the " credit repair company '' that is listed on XXXX to " help with fixing credit from negative credit reports from AvanteUSA. ''
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Company is Midland Credit Management. They call me several times a day, all day long, they never say their name or who theyre with, they just say my name over and over and hang up. Then they sent me a letter threatening to sue me over {$620.00}. The letter states that they intend to have a lawsuit filed against me.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from XXXX XXXX  stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Consumer complaint received 2022-04-21
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. (CT)

I have had a myequifax account for a few years. I suddenly have no access, multiple tickets have been created to resolve the issue. I have received several emails with no resolution. On XX/XX/XXXX a fraudulent account was inserted into my credit profile. On XX/XX/XXXX I contacted Equifax and was told to fax all information. I have contacted this company several times and my faxed documents are still not uploaded to my account and myequifax account is still not accessible.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MN)

I have autopay with my American Express Delta Gold Card. In setting up autopay, one has to indicate how many days after the closing date of the statement that you want the auto pay to make the payment. Problems : 1 ) There is no indication on their " Mange Autopay '' as to how many days after the closing date, payment is due. They leave it up to the user to choose the payment date according to their own calculation. This leaves the user open to error in calculation. 2 ) NOWHERE IS THERE THE OBVIOUS OPTION TO PAY ON THE DUE DATE! Most other cards make that option obvious. 3 ) One can only wonder whether AEx is obfuscating to encourage users to choose AEx 's default option which is 15 days after the closing date. It seems patently obstructionist and misleading, not to make the most common response clearer, or, at least make it the default option. Obviously, having people pay 10 days earlier than they need to is very much on the company 's interest.
Consumer complaint received 2022-10-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Subject : Request for Assistance and Resolution Regarding Potential Credit Discrimination Dear XXXX XXXX Credit Card Department, I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding recent interactions and observations related to my credit account with XXXXXXXX XXXX I believe in the importance of fair and equal treatment for all customers, and I want to ensure that my experiences align with the principles outlined by the Equal Credit Opportunity Act.

1. **Recent Credit Requests : ** I have noticed one or more recent requests for new credit on my account, and I would appreciate clarification on the criteria and considerations applied in these instances. Transparency on the decision-making process would help alleviate any concerns regarding potential discrimination.

2. **Average Age of Accounts within Past 6 Months : ** It came to my attention that there might be a discrepancy in the average age of my accounts
within the past six months. I would appreciate a thorough review of this aspect to ensure that fair and unbiased evaluations are being made.

3. **Recent Payment Information : ** Concerns have arisen regarding the treatment of recent payment information. Clear communication on how recent payments are being factored into credit assessments would provide valuable insights into the decision-making process.

4. **Limited Installment Loan Experience : ** I have noted potential disparities in the evaluation of my limited installment loan experience. I am eager to understand how this aspect is considered and how it may impact credit decisions.

I understand the commitment Chase Bank has to upholding the principles of the Equal Credit Opportunity Act, and I believe that addressing these concerns will help ensure that my rights under this act are upheld to the best of your knowledge and in accordance with the law. 

I appreciate your attention to these matters and look forward to a prompt and transparent resolution. Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX