davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

I have been violated and trespassed against pursuant to 15usc 1692d  ; Harassed and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian working on the same issue 8 times today and closed 6 but there all the SAME ISSUE WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear XXXX & Transunion ; Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information and in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but XXXX and Transunion are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. 

AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 
A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 
Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

My federal student loans were placed in deferrment multiple times as my servicer changed. I'd like to back pay these months to count toward my PSLF counts. I've reached out to Fed Loans ( my current servicer ) and USDoE multiple times but have never received a response.
Consumer complaint received 2022-11-12
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: TRUIST FINANCIAL CORPORATION (TN)

My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about Suntrust/Truist Bank . My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.
Consumer complaint received 2022-11-12
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. (NC)

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 DELETE ( REMOVE ACCOUNT IMMEDIATELY XXXX
Consumer complaint received 2022-11-12
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. (GA)

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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 instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (IL)

Unauthorized inquiries on my credit report that I did not consent not authorize these inquiries they are fraudulent and I need them removed immediately from my crediXXXX XXXX XXXX credit report. These are for the inquiries that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX finance ) XXXX XXXX. XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX finance ) XXXX XXXX. XXXX XXXX XXXX finance ) XXXX XXXX XXXX. XXXX finance ( XXXX ) XXXX XXXX. XXXX credit ( XXXX ) XXXX XXXX. XXXX credit XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXXnance ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  ( finance ) XXXX XXXX. XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2023-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

I settled a {$300.00} Credit Control acct on XX/XX/XXXX and was also informed medical collections under {$500.00} would be removed in XX/XX/XXXX. After a month the {$300.00} balance was still reporting I disputed that acct and I disputed a 2nd {$480.00} account as medical collection under {$500.00}. After the dispute they replied that the {$300.00} settled account as still owing and reported a collection fee to the other account making it {$600.00} plus. This is not correct. So the {$300.00} collection was paid and the 2nd collection for {$480.00} was changed to {$600.00} plus so it would remain on my Credit report.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (IN)

I received an email on XX/XX/2022 that XXXX would be transferring my account to a company called SST. I was unable to log in to their website, and was also already charged a XXXX late fee. I had autopay on that did not transfer, and I also am not able to add a bank account to start making payments through the new servicer. I also am unable to see my loan vs. savings balance, and I am nervous that my savings balance will not be honored by the new company.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I have a care credit card and never missed a payment to pay for some of my medical bills. The minimum amount every month they request is XXXX dollars a month which I always pay over the minimum every month. On XX/XX/2023 care credit charged me the interest of {$100.00} after I made my forty dollars monthly payment which I paid over the minimum due. 

I contacted care credit via- online chat on XX/XX/2023, and spoke with representative XXXX XXXX XXXX told me he would reverse {$100.00} only if I paid off my full medical credit card today under the particular promotion. I told XXXX " I always make my payments on time and also pay over the minimum. '' I told XXXX how can I ever pay off my care credit card if you are increasing my interest to {$100.00} monthly. 

I don't work ; I am permanently XXXX on social security. I use my care credit card for my XXXX XXXX medical injections. I value my credit and always pay on time and never late. 

What is going on? Why does the interest rate change monthly on the same balance?
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (PA)

this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX  of these fraudulent accounts and have asked them to remove these accounts from my credit report which they have done finding the account to have been opened fraudulently
Consumer complaint received 2022-09-30
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. (FL)

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXXXXXX XXXX XXXX, OR XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified experian of these fraudulent accounts and have asked them to remove these accounts from my credit report
Consumer complaint received 2020-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OK)

On XX/XX/2019, Commonwealth Financial Systems added 4 collections to my credit report for XXXX XXXX in XXXX, TX- a city I have never lived in and a hospital I have never been to. I've disputed all of them with XXXX and one was removed within a few hours, I'm still waiting on the other 3 which total up to {$1200.00}. I have also filed a complaint with the XXXX. I have found countless complaints online from people who also got hit with fraudulent collections from this company. If they keep hitting my credit with fake biulls I will not hesitate to sue them.
Consumer complaint received 2020-01-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Recovery Systems (VA)

I noticed there is two collections on my credit report. The collector is Midwest recovery systems. The original debt was from XXXX XXXX XXXX XXXX. The amounts are XXXX and XXXX something. My issue is several things. First this debt is almost ten years old. And also inaccurate! 
These amounts were covered by insurance but because of a clerical mistake I was still billed. Now even though it was settled this debt keeps popping up but with a different collections company over the last couple of years. I have filed two other complaints with successfully removing them from my report. Now another company is attempting to collect the same exact debt. This company is calling my phone 40 times a day. I attempted to speak and explain this but the guy kept insisting on a payment. After making it very clear there will be no payment because the debt isnt accurate. The guy says well you will be sued!!? Well I know that even if the debt was accurate it is to old to sue. They cant do that can they? I would like the accounts removed from my report. Better than that Id appreciate an inaccurate debt to not be repeatedly sold to different recovery comp. I dont understand if the accounts are closed over and over why it keeps coming back. As always if it isnt removed and harassing phone calls dont stop I will seek litigation! These companies that repurchase these accounts should verify the accuracy of debt and probably should be some way to verify this information from the previous collections comp. they could easily show these accounts previously closed due to inaccuracies. Thankyou for your time and assistance. Sincere regards, Mr XXXX XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX of these fraudulent accounts and have asked them to remove these accounts from my credit report
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX I phoned Citibank to ask for a copy of the lien and possible termination in the husband 's name only against my property discovered by the XXXX and XXXX in a lien search for XXXX XXXX  in XXXX. XXXX XXXX  said all documents were at Citibank. Citibank phone could not locate any documents using social security numbers and directed me to email the lien department. XX/XX/XXXX I emailed asking for the lien in the husband 's name against my property, XXXX XXXX Citibank XXXX XXXX responded that he had located the lien but that Citibank had already provided the release. I responded that I had only documents for joint liens and asked again for the lien in the husband 's name or for the conversion of any joint lien. XXXX XXXX XXXX XXXX wrote me that any lien in the husband 's name only is restricted and Citibank would not supply it.XXXX I wrote XXXX XXXX and XXXX XXXX that in XXXX , Citibank knew that I was the sole owner of the property XXXX XXXX  XXXX and that therefore Citibank knew that the lien itself was irregular or illegal and that I should be supplied with a copy.I have called XXXX XXXX to discuss , left messages outlining my request, but she does not return my calls. In XXXX, I had satisfied the joint mortgage for my property to Citibank. The lien therefore in the husband 's name only violates banking rules.Citibank is hiding evidence of an irregular or illegal lien and is acting as if it can decide when and how to apply the law. A lien in the husband 's name only was discovered in XXXX.Contrary to XXXX XXXX I have no such lien in my possession. Contrary to XXXX XXXX, the issue is not whose name is on the lien but who is the owner of the property against which the lien is held.From XXXX XXXX XXXX had no right to this lien. Citibank has an obligation to provide it to me. As sole owner, I want a copy of the lien against my property and any attendant documents. From XXXX I was the sole legal owner of XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OH)

On XX/XX/20 I received notification that an collection account was added to my report that I gave no recollection of, I immediately reached out to the creditor with no avail. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland mortgage violated code 15 U.S. Code 1681b - Permissible purposes of consumer reports. Midland mortgage did a soft inquiry on my credit report XX/XX/XXXX. I did not owe a debt to them at this time and I never authorized any written permission for this debt collector to pull my credit report. On my transunion credit, it shows a soft inquiry. Its listed as MIDLAND CREDIT MANAGEMENT Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting 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. (MD)

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-01-17
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. (GA)

I have contacted Transunion and the companies below repeatedly and have asked for them to remove the following inquiries I did not authorize my credit to be pulled or applied for anything with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-11
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: CORELOGIC INC (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX