davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In order to collect debts on behalf of a third party, such as a creditor or other user of a consumer report, a person must comply with section 615 ( g ) of the Fair Credit Reporting Act ( FCRA ). The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to them.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2022-10-17
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the 3 credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my XXXX XXXX. The company does not provide customers with an up to date XXXX XXXX in the XXXX XXXX section of the mobile app. Today is XX/XX/XXXX using the XXXX XXXX tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my XXXX XXXX to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (GA)

Back in late XXXX - early XXXX during the height of XXXX, I WAS LAID OFF FROM MY JOB AND WAS OUTTA WORK FOR ALMOST 2 YEARS. At the time I had a XXXX XXXX XXXX in which my payments were {$960.00} a month or close to it.. I always made my payments on-time. 

The car was repossessed due to me being laid off from work ( outta work for XXXX ), catching XXXX, and not being able to make payments. XXXX was tuff because I almost died from this virus. 
The car XXXX XXXX XXXX # XXXX was sold at auction for {$20.00}, XXXX on XXXX. XXXX, XXXX. 

The file has been placed with XXXX and XXXX XXXX # XXXX and they are requesting a payoff amount of {$26.00}, XXXX XXXX of XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my XXXX XXXX. The company does not provide customers with an up to date XXXX XXXX in the XXXX XXXX section of the mobile app. Today is XX/XX/XXXX using the XXXX XXXX tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my XXXX XXXX to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.
Consumer complaint received 2022-10-17
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. (IL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00}
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (FL)

Refusal to provide the name of who owns the loan or the lender. SLS has admitted to be a third party loan servicer. 
Refusal and admittance to apply a payment during the Forbearance period and reduce the payment due amount. 
Refusal to apply up to date payments even though payments were sent to the address provided and returning such payments. 
Refusal to complete a Deferral or provide a loss mitigation package. 
Refusal to provide an escrow spread. 
Refusal to a repayment plan. 
States would offer a

Deferral, however, a Deferral is not an option. Provide the note, assignment of Mortgage and Endorsements.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I wrote to the bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the XXXX Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (AL)

This company has violated my rights as the customer. Under the Fair Credit And Rights Act this company has committed the following 15 USC 1681 section 6, I have a right to privacy, 15 USC 1681 a customer reporting agency can not furnish my credit without written consent and instructions. 15USC 1666 b a creditor may not treat a late payment on and open consumer credit account for any purpose.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (GA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Contrary to the following : 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer. 
Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by XXXX certified mail. Any other form of correspondence will be rejected or refused. 


XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wrote to the bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the XXXX Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (ID)

I believe American Express is illegally billing for late fees and interest. I have been billed for late fees and interest even though my payments arrived in time, which they acknowledge. Their policy is that even if the consumer made the payment prior to the due date on the statement, they charge fees and interest based on when the bank actually cleared the check. I have written documentation from them stating this is their policy. How can a consumer be charged fees if they sent the payment in on time? It is out of the control of the consumer as to when a bank would " clear '' the check. In my case, it was several days after my payment had been received by American Express. How can this be legal?
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

Auto insurance - XXXX XXXX i had cancel my insurance and had my autopay to pay the amount that was due .I received an email saying that soon will charge my card on file.Which supposedly few months after was charge by XXXX XXXX collection services without my consent. I was not aware of my account sent by collection XX/XX/XXXX which i noticed it about in XX/XX/XXXX by checking my credit which it appear was sent.I call XXXX XXXX they sent back and forth with collection services in a phone call.The collection services told me the account was open and if i didnt call the account would remain open.They procced to closed the account on file which they already charged back on XXXX with out my permission.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX acount # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-24
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I received a letter from XXXX. stating that I owe {$2800.00} for a creditor ( company name XXXX ) on behalf of XXXX. I am up to date on my mortgage payments to XXXX, so therefore do not owe this money.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This company has lied about their secured credit card program. I have had this card for 5 years come XXXX and it is still a secured card! To put this in perspective I got a secured card from XXXXr two years ago and my limit with them is now {$5000.00} on secured. I make {$160000.00} a year and my credit score is in the mid to high XXXX. They refuse to switch this card over or increase my credit limit no matter what. I have a perfect payment history which I've attached. More data can be provided. They are scamming customer to contiue to collect a higher interest rate. If you look at the complaints about this particular card and particular company from XXXX to other research you will see that this is the number one complaint from people. They're scamming people to get into this card and then they never let them out of it as their terms dictate. The scam must stop! My card is paid off in full monthly. They also send me these bizarre letters about me speaking inappropriately to their customer service Representatives when I never call their customer service Representatives and I haven't spoken to them and over a year or more. They also never let people dispute any charges easily nor do they provide the right Clarity on the process to do that.
Consumer complaint received 2022-10-17
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 am submitting this CFPB complaint to follow up the previous CFPB I submitted to the Credit Bureaus requesting the removal of the disputed accounts and information from my Credit File. I have been submitting this multiple dispute letters and CFPB complaints requesting the same thing over and over again and yet the Credit Bureaus have done nothing! I am disappointed! My legal counsel is halfway complete with their lawsuit for the willful non-compliance of the Credit Bureaus. It is clear that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information from a consumer 's Credit Report. However, the Credit Bureaus have been ignoring my requests! I NEED THE CREDIT BUREAUS TO REMNOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as they have failed before. In the absence of any such documentation bearing my signature, I formally request that these information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.