davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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. (GA)

Experian is currently violating the FCRA. They refuse to do a sufficient investigation into an inaccurate account ( Bankruptcy ) they are reporting on my credit report. They have misrepresented the furnisher of the inaccurate information, as verifying the alleged account. On today, per the FCRA I am requesting that they provided the method of verification used to verify this inaccurate account as 100 percent accurate and complete. I am sending this verification request overnight via XXXX. Experian will receive on Monday and tracking will show proof of receipt. I included a copy of my drivers license and passport for identification purposes. 

Experian will have 15 days from the receipt of this request to provide me with their method of verification used to verify this account. Per the FCRA if they fail to do so they must delete the inaccurate account immediately.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc. (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-09
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

They are also in violation of the FDCRA, Truth and Lending and FCRA.

Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also 15 U.S. Code 1681b - Permissible purposes of consumer reports ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or 15 U.S. Code 1666 - Correction of billing error ( 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.

15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

Please kindly remove the items and update payments and paid on time with XXXX XXXX XXXX.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXX.and shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXXand shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (FL)

Since the TMS company transferred the account to XXXX XXXX during the month of XX/XX/2020, I do not know who to ask to correct the misreported error to the credit bureau of a missing payment for XXXX month. I made 2 payments in that calender month, I made a full payment on XXXX, $ XXXX, and another on XXXX, $ XXXX. Yet TMS Inc. Did not report the payment properly to the credit bureau. instead they posted NOT RECEIVED!!! this counts as a missed payment and has hurt my credit history. I contacted TMS inc. they opened a case requesting to correct the misreported information however they have repeatedly closed the case and not fixed the issue with the incorrect report of missed payment to the credit bureau 's.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (NY)

We had cell phones with XXXX. XXXX turned off our phones for non-payment when we paid them. We told them the exact day we called and paid them through our debit card. We showed them proof we paid them but they refused to turn our phones back on. We also had a 2 year contract which we paid them the full 2 years therefore would no longer have a contract but they denied the 2 years were up and kept charging us money we didn't owe.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (MI)

Third Party Collection Agency is trying to collect a debt they say my dad owes. I called them and left a voicemail explaining this is not a debt I owe and asked them to stop calling me. I told them if they continued calling I would report them to the FTC. They stopped calling me for a couple weeks but have started calling and now texting me. 

I deleted old phone calls, but phone calls I've received since I asked them to stop calling me have been : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I received a text message today, XX/XX/21.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I've consistently maintained prompt payments on this account, ensuring they never fall behind schedule. I'm uncertain about the rationale behind the late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Simon's Agency, Inc. (PA)

On XX/XX/2021 I pulled my XXXX  Credit Report to dispute this account on my credit. I found the address information on my XXXX report, and sent a letter to SIMON 'S AGENCY, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, the address on my XXXX report. The mail I sent them was returned, which is a direct violation of the FCRA, as data furnishers are required to report only 100 % factual information to a consumer 's credit, that includes the dispute address to the company that is reporting said information. THEY HAVE FAILED to report their own address, thus, this account must be deleted and they must cease and desist all collection activity until they are deemed fully compliant with the FCRA. 
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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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Never provided evidence never comply with instructions when presented with laws to prevent misconduct ignores identity theft reports and police reports Denys right to block fraudulent information 90 day or more of violations causing unnecessary damage to my life and ability to obtaining credit to pay my needs
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have 10 student loan accounts that are all reporting as as COLLECTION from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " CURRENT '', it is severely hurting my score. 

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It's been well over a year now, and I'm still battling with XXXX and XXXX to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Consumer complaint received 2022-05-31
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. (FL)

IN RESPONSE TO CFPB:XXXX XXXX XXXX  AKA XXXX XXXX DOES NOT BELONG TO ME. I HAVE PROVIDED ENOUGH PROOF TO SHOW THAT THIS ACCOUNT IS NOT MY ACCOUNT I DIDNT GIVE ANY ONE PERMISSION TO OPEN THIS ACCOUNT IN MY NAME. HOWEVER I WAS PREVIOUSLY A VICTIM ODF IDENTITY THEFT AND AM STILL HAVING THE ISSUE.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Submitted certified dispute letter with return receipt XX/XX/XXXX and XX/XX/XXXX. To date, no response received for XX/XX/XXXX dispute mailed over 30 days ago. Regarding the following in accurate negative accounts : XXXX XXXX XXXX # XXXX collections/chargeoff, XXXX XXXX XXXX  # XXXX closed account, XXXX  XXXX XXXX  # XXXX, and XXXX XXXX XXXX XXXX # XXXX. Called today XX/XX/XXXX spoke with supervisor XXXX who declined to provide agent ID #, stated they show no record of any disputes since XXXX. Experian is in violation of FCRA for failing to respond within 30 days into validating the accuracy of these items reported. I am requesting these accounts to be removed immediately. Attached is copy of USPS Certified Receipts.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Today, XX/XX/2021, I received an email from American Express notifying me that my account XXXX was closed due to a business decision made from the company. I called American Express and was told that my account was closed because of recent returned payments. I appealed the closure of my account because money was stolen out of personal accounts that I use to pay my bills, over {$900000.00}. I have a police report filed with XXXX Police Department. This closure comes after American Express upgraded my account from a XXXX XXXX to a XXXX XXXX I am angry for the disconnect American Express has with not calling me and trying to figure out WHY the payments were returned if I was a valued customer like they say. My account started out as no spending limit and within 90 days a spending limit was placed on my account because I am XXXX. I have averaged over {$10000.00} monthly in spending with my American Express to be treated like this. You would think with what's going on in America a company like American Express would not blatantly discriminate against XXXX with a track record of paying their bills on time. I will not let this closure go unnoticed by the public. If it has happened to me, it's happening to other card members. My account should have not been closed, but rather suspended until payment was made due to my money being stolen. The accounts I have returned payments from has been closed and new accounts were issued as of today. I plan on fighting this matter with American Express.
Consumer complaint received 2021-07-09
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: Experian Information Solutions Inc. (NJ)

I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (NY)

I am writing to follow up on my previous complaint regarding the negative entries on my credit report that I requested to be removed. I appreciate your response, but I must express my disappointment with your statement that these entries were validated and updated. I firmly believe that these are unverified items, and I have no recollection of these negative accounts.
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I received a notice dated XX/XX/21 on XX/XX/21 From Transworld Systems Inc, XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX. 
This notice was to inform me that they were collecting a debt for XXXX XXXX in the amount of {$41.00}. The notice stated that if I did not dispute this in writing within 30 days of the notice they would assume this debt is valid. 
I have received no notice from XXXX that I had an outstanding balances. I get bloodwork done quarterly with them and my insurance covers everything at virtually XXXX cost to me. 
So this struck me as odd. I checked my XXXX patient portal and it does not show that I have any outstanding bills. So I called XXXX XXXX  Billing Customer Support and asked them if I had any outstanding balances or if anything was sent to collections? I was told they had not and that everything was up to date in their records. 
This is an obvious attempt at fraud and needs to be reported and communicated to the public as most people would probably just pay the small amount listed in the Collection letter. 
I have responded to them by mail ( as per Transworld Systems Request in their letter ) with a Cease and Desist notice regarding this fraudulent attempt at collecting money from me. If they continue to attempt collecting this debt I will update this complain.

I would suggest launching an investigation into their collection practices as I have seen numerous complaints about them online.
Consumer complaint received 2021-03-19
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: JPMORGAN CHASE & CO. (FL)

Chase continues in the misleading comment to my credit report, ACCOUNT TRANSFERRED. This is unjustly defamatory in representing me as negligent. The truth is that Chase breached their contract with me after agreeing to fulfill the terms of their own modification agreement, transferred my account, and now fail to properly reflect this truth in my credit report. 

They assured me that they would be moved to the back of the loan when they approved a modification and that the late payments would be removed from my credit report, as late. My account was sold after I had been approved for this modification. They breached their written contract with me. THEY SHOULD NEVER HAVE SOLD MY ACCOUNT, MOVED IT ONLY AFTER MODIFYING IT with the updates, as promised.

Chase should be investigated and held accountable for this fraud, which just as they planned lowered my credit score while turning themselves a profit. Chase knew that this fraudulent representation of " me as negligent '' made my account attractive to the buyer by making it difficult for me to secure re-financing, with a lowered interest rate, due to 7 years of this misleading reporting to the credit bureaus. 

Worse, despite having told me to pay my first modification payment by XX/XX/XXXX, they recently updated my credit report to show that my XXXX payment was late. When I tried to make the payment by telephone on XX/XX/XXXX, they refused to take it saying they had sold the account. They sent me conflicting letters. 

I had asked for a deferment. I am XXXX, so I was " verbally '' told that they could only offer me a modification. I was " verbally '' told that I would not be eligible until I missed three payments - XXXX, XXXX, XXXX. I did due to financial duress. 

I have been communicating with them since XXXX of XXXX to resolve this. They have refused. I believe I am protected by federal EEOC and continuing violations federal laws, and state fraud and libel laws, so today, I also filed an EEOC complaint.
Consumer complaint received 2021-07-09
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. (CA)

Trying to login to Experian 's website. Try to retrieve my user name using my birth date and social security number. Website says it sent an email to XXXX. This is not my email address. I don't have any addresses that end XXXX. I've tried many different ways to contact Experian to correct that but only run into automated responses that don't apply to this situation. I could find no way to contact a person. All phone number lead to automated systems that don't have an option for my problem and disconnect me if I try to get to an attendant.