davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (IL)

XXXX XXXX are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which XXXX XXXX is in violation of 15 USC 1681e ( b ). 

I reached out to XXXX XXXX on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. XXXX XXXX removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, XXXX XXXX received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX XXXX XXXX charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that XXXX XXXX update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.
Consumer complaint received 2020-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

There is a medical debt collector that is reporting from Synerprise Consulting/SCS, on a closed collection account. This company is apparently trying to collect an unknown and unverified medical bill that they are reporting on my credit profile without proper and legal verification that this is indeed my debt. 

I am concerned because I was married and had a few of my ex-husbands bills sent to me inaccurately after he refused to pay them. Since this is a medical related bill, I have requested to see documentation of the HIPPA release and medical services and dates rendered to simply verify that this account is valid. This company has failed numerous times to present this information. In fact, the matter was recently investigated by XXXX and the collection item listed from this company was immediately deleted as of XX/XX/2020. 

Synerprise Consulting/SCS has failed to reach out to me in writing as requested and they continue to report this erroneous information to damage my credit profile. Their accounting and medical collections practices should be investigated further.
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I, XXXX, an XXXX XXXX, have my wife ( XXXX XXXX ) send me money every month in amounts ranging from {$3500.00} to {$5000.00} USD to my personal HSBC checking account. The originating bank XXXX sent the money XX/XX/2020. The intermediary bank ( XXXX XXXX ) processed the incoming international wire transfer that was in the amount of {$4700.00} and after taking their {$23.00} fee, sent the remaining {$4700.00} on to HSBC on XX/XX/2020. HSBC is having liquidity problems due to the XXXX bank runs in response to COVID-19 and they are making excuses on why my money is not available and straight up lying, telling me they have no record of this incoming wire transfer. When in reality, they are holding it hostage in their OFAC dept as a scummy way to try to legitimize their holding it and not releasing it to me. I have completed a similar transaction with this bank last month without issue. However, this is a huge problem as I am about to have my XXXX XXXX XXXX tomorrow morning, then I am moving to another state, and I AM A XXXX XXXX SERVICE CONNECTED XXXX XXXX  XXXX  VETERAN!!!!! I am incurring late fees where I am renting from now and am currently unemployed. I need this money and HSBC should have their charter pulled and NEVER BE ALLOWED TO DO BUSINESS IN THE USA EVER AGAIN, especially after their XXXX scheme with XXXX drug lords. I just want my money out of that bank so I can close my account and be done with them. I have tried calling them multiple times and they always say they dont know whats going on and asking for reference numbers that the consumer would never have direct access to.
Consumer complaint received 2022-09-30
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. (DC)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$91.00} ; XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$38000.00}
Consumer complaint received 2023-02-03
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. (NJ)

I Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX
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 — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MO)

This company Midland Credit management which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (MO)

This company LVNV Funding which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (MO)

This company I.C. Systems which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for IC Systems to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 
15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2023-05-15
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-07-13
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : $ {$15000.00} "
Consumer complaint received 2020-01-15
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. (CA)

XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and Experian is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MI)

We are senior citizens and have received between XXXX robo-calls during the last month, all using the same voice ( a male with an XXXX XXXXXXXX accent, name and subject matter usually unintelligible, sometimes claiming to represent American Express, with whom we have never done business, insisting that it is important and demanding that we call back, usually from ( XXXX ) XXXX. Some of the phone numbers showed by caller ID include : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Calls come at all times of the day or night. Especially intensive bouts of calls frequently occur after we have used the Internet and have accidentally ended up on XXXX sites. We have never done business with American Express, and we never intend to do so.
Consumer complaint received 2023-06-22
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)

This issue with equifax is dual first things first theres an account reporting with XXXX on my credit report acct # XXXX {$75.00} im asking for an early exclsuion of this item off my credit report. The account is due to come of in XXXX so im requesting an early exclusion. Also, im asking for access to myequifax.com account. i have not been able to login and review my profile on myequifax.com in forever, if someone can help me i would appreciate it thank you.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have disputed this adverse Portfolio Recovery Collections account on XXXX, XXXX and XXXX several times as recently as XX/XX/XXXX. I do not own this account and the account information differs across three reports. All disputes have been " verified '' and the collections remains on my report. 

All Three of the Credit Reports reflect this account in collections and site 's XXXX as the original creditor. 
All Three of the Credit Reports there is no Date of Last Activity for this adverse account. 
All Three Credit Reports state " This account is scheduled to continue on record until XX/XX/XXXX for both XXXX and XXXX  and XX/XX/XXXX on XXXX. 

With the Statute of Limitations being based on the state the Original Creditor, and XXXX being incorporated in the state of Delaware, The statute of limitations is 3 years from the date of the last activity.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY ()

This is an ANNEXE to my already filed application for assistance. 
Thank you for your quick response to my request regarding my foreclosure of 2012. I am glad that the Company had received my application and find out that we haven't given the opportunity to receive due process. 
Documents that were missing in my previous application are today submitted in Annex in order to have completed.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MN)

I, XXXX XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$8700.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Discover Bank on XX/XX/2022. They accepted my instrument, but did not credit my account correctly. I did call on ( date you called ) and spoke with ( all the people you spoke with ) recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates, LLC XXXX XXXXX XXXX XXXX CA XXXX. 
REFERENCE NUMBER : XXXX Sir/Madam, Above company alleges that the bought XXXX XXXX and Merchant XXXX XXXX XXXX XXXX. whom I had their store credit of {$500.00} maximal. I have asked them to provided. for me the documentation of when credit limit was hack? In all their various correspondence no answer was provided. I do not recall my credit limit being extended nor was I having an expenditure for amount that the are claiming $ XXXX on a credit card that had a limit of {$500.00}.. 
Yours faithfully, XXXX XXXX.
Consumer complaint received 2024-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Ive contacted Capital One just about everyday for about 3 weeks now. Theres a credit card account on my credit report that was opened fraudulently, wrong name and address, but they continue to say that they are verifying it. HOW? Thats not my name, and Ive never heard or lived at the address youre claiming to verify this account with. Also, the name and address does not even reflect on my credit reports. Capital One is practicing foul play against us consumers.
Consumer complaint received 2023-12-01
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. (FL)

I was billed for a XXXX XXXX  account that i dont recall ever having from the year XXXX, and then the debt was sold to asset llc in XXXX  in which i still wasnt aware of. Now fast forward to XX/XX/XXXX, my bank accounts were frozeb and had an hold put on them for over XXXX, XXXX dollars per account including my kids student accounts. My rent, my lights, all bills are paid thru my account and im a single parent and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am flat broke during the worse possible time of the year and all this happened without any letters or warnings. I need this unlawful act resolved immediately before me and my kids are deemed homeless
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (TN)

Some how a double payment was processed on XX/XX/23 and XX/XX/23 both in the amount of {$290.00}. When I seen this I contacted the Credit Card Aspire handled through the XXXX XXXX XXXX XXXX Told I would receive that over payment after investigation and days for a check to be mailed, asked for a credit back to the account it was paid from, they said no, but would expedite because of the temporary financial distress it has put me in. After giving it the time to receive the check, I used the card to pay utility bills, since the account was still showing a credit of {$290.00}. They have now charged my for those transactions, XXXX and still haven't to this day received a check or credit for the over payment. I keep getting misinformation about what is going on and what they are doing, last spoke to a supervisor XXXX, ID # XXXX, today, XX/XX/23, told to wait another 30 days to call again if nothing is received, nothing they can do. How many other customers have had this issue before and handled the same, I would think many.