davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PR)

I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with XXXX XXXX XXXX XXXX. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that XXXX XXXX XXXX is not doing.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

On XX/XX/XXXX I pulled my XXXX credit report and found the company Phoenix Financial Services had reported an unauthorized collection to me credit file. 

First I do not know who these people are. Second the information that they listed in their letter I do not recognize. Third, they placed this collection on my credit file on XX/XX/XXXX then followed up with a letter dated XX/XX/XXXX. This is in complete violation of the FDCPA Regulation F. 

This law went into effect XX/XX/XXXX. The letter that I received in the mail has nothing to do with me, the company in itself has knowingly and willfully violated my consumer rights.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AZ)

This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX XXXX with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/2019, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. It has been over 21 since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2023-01-24
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (CT)

I ordered a replacement credit card on XX/XX/XXXX. The rep said it would go out the next day and I would receive it in 3-5 business days. After XXXX I called to see why I hadn't received it yet. The rep said they were having shipping delays and I'd receive it in 2-3wks from XX/XX/XXXX. I called the following week to get tracking and was advised that no cared had been shipped. I requested a manager who told me that I would not receive my card until XX/XX/XXXX. I called a week later, last week, to see if I could get another card overnighted to me or be told what the initial replacement card number was. I have several auto payments coming out of the account that have been rejected due to me not receiving a replacement card. I have no other source to meet these payment obligations. When the rep told me no, I requested a supervisor. This supervisor advised me that there was no record of me calling and speaking to any supervisor. I requested that the security dept call me back so that they could give me my new acct number. The supervisor told me that someone would call me back in 1-2days. I called back yesterday, a week later begging the supervisor for some type of accommodation to help me with the XXXX in fees that have accumulated due to the negligence of ASPIRE. She said she would research and call me today.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I noticed a collection for the amount of XXXX from IC Systems on my credit report. I have not received any notification by IC Systems to dispute this account. This needs to be removed until they complete a full investigation on this account. I am requesting debt validation according to the FCDPA laws. I also would like copies of bills for the last 12 months of this account. I also would like to get information of contract signed or account details used to open account. 

I would like this information mailed to me within 30 days of receipt of this complaint and this to be removed from my credit report until a full investigation has been completed according to the FCRA laws.
Consumer complaint received 2019-02-14
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. (CO)

TransUnion is reporting my account with XXXX XXXX XXXX as 30 days past due even though they show the account has a {$0.00} balance and {$0.00} past due. This is hurting my credit score. I have submitted my own investigation but they did noting to correct this.
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

On XX/XX/2018 at approximately XXXX XXXX I was contacted by a representative at the number XXXX. I was never told the name of the company but was promptly informed that I owed a debt for a pay day loan. I was told 'the comapny Ace Cash was looking to pursue 2 separate charges. One for fraud and one for checks fraud '. I was skeptical because of the many phone scams that are currently going around and I had not yet been given the name of the company that was actually calling to collect said debt ( {$470.00} ). I eventually talked with a woman who claimed she was XXXX XXXX. I explained that I in no way tried to defraud anything at the time of the payday loan ( 1.5 years ago ) but that I currently could not make a payment within the 20 minute time frame she was giving me before I would be 'served by a process server '. I would need some time as currently all my money pays for my living expenses and child care. And that if my only option was to pay in 20 minutes or be served then I guess I would tell the same thing to the judge. XXXX XXXX then thought it was appropriate to tell me that, and I quote : 'Better have a really good car because I'll never be able to get a loan again ' as well as insinuate that I am an irresponsible XXXX year old ( like I don't know I have made mistakes ). She was incredibly unprofessional. I was absolutely shocked that this woman would be allowed to berate and harass customers on a daily bases. XXXX XXXX then hung up on me after I asked for her name and then supervisor. I promptly called back and made a complaint with this company. I will admit I talked with 3 other people at the company that were much nicer and were able to act in a professional manner. I also paid my account in full less than 1 week later and only then was I finally informed that the company is XXXX XXXX. I am still not 100 % convinced it isnt a scam as the XXXX-number I  was given does not pull up any XXXX XXXX company when ran. 
My complaints are with the company not clearly identifying themselves with an actual company name and with their unprofessional and rude employee XXXX XXXX who insulted and berated me over the phone.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (TX)

I have found an article proving you guys are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my history to 100 %. Goldman Sachs is in violation of 15 USC ( Section ) 1666B for billing error. I have always paid as agreed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I pulled a copy of my credit report and noticed that the account from XXXX XXXX XXXX  is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all 3 credit bureaus to have this information corrected with no formal response. 

This information being reported to my consumer report is in violation of 15 USC 1681. 

I have the right to privacy and have not given written consent for this misinformation to be reported. 

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2022 Bank of America wrote to me and copied the Office of Attorney General of Maryland that the Principal balance on my home loan ( {$190000.00} with finance charge of {$150000.00} = {$350000.00} ) was {$76000.00}. With an unapplied total sum of {$1100.00} As of XXXX, this lender claimed this amount to the XXXX Md. 
BOA in a rush to foreclose my property issued escalating a new bill in XX/XX/2022 of {$100000.00}. 
This is a predatory lending targeting vulnerable borrower to trap me in cycles of debt leading to foreclosure and bankruptcy. This is worth investigating and I attached herewith supporting papers for evidence.
Consumer complaint received 2022-12-27
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
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. (NJ)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. Transunion sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for XXXX XXXX.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX USPKI sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.
Consumer complaint received 2023-01-23
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. (RI)

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 XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) 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 section 623 ( 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 2022-12-27
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 accounts indicated below to 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 on XX/XX/22, 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 you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I applied for Spirit Airline credit card ( Bank of America ) while buying tickets on Spirit web site in XX/XX/XXXX. Something went wrong during transaction and it didn't get through. I thought I used a different credit card. I can't prove it, I do not keep records for that long. I never received any statements from that credit card ever. No one called me and notified me about my outstanding balance. Only a month ago ( XX/XX/XXXX ), when I applied for car loan, I was notified that Bank America reported my non-payment to all credit reporting agencies, so I could not get a good interest rate. I contacted Bank of America in XX/XX/XXXX and received a letter stating that they didn't do anything wrong.
Consumer complaint received 2022-07-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter to Experian disputing inaccurate information the bureau is reporting on my consumer report. 30 days have passed and they have not responded and/or provided any findings from their investigation. On XX/XX/2022 I sent a 30 day demand to comply letter in regards to the bureaus failure to uphold the law and comply with the legal time given to them for an investigation. They still have not responded or provided findings from their investigation.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. XXXX and Experian and XXXX have violated my rights, and they violated the law, 15 USC 1681. I have written on many occasions asking them to fix the issue or delete the following due to inaccurate reporting. its reporting a balance on a paid off account and they have failed to delete or update the account. 
XXXX XXXX XXXX XXXX. # XXXX
Consumer complaint received 2023-06-26
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.