davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX  XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX  XXXX  XXXX {$19000.00} XXXX  XXXX  XXXX {$170000.00}
Consumer complaint received 2022-06-14
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. (FL)

In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/XXXX at approximately XXXX XXXX Portfolio Recovery proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc. (GA)

I have contacted Advance Collection Bureau , Inc. on the following dates requesting validation of the account that are being reported to XX/XX/XXXX and XX/XX/XXXX. The dates are XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide appropriate validation of the account. After receiving a letter on XX/XX/2020, I called and spoke with a representative on XX/XX/2020 at XXXX XXXX, who reports that is the only information received from the apartment complex that the debt was purchased from at the time. The representative inform me that I would have to send a type letter to her manager if I need additional validation. I inform the representative that I will not be sending her manager a letter when I have requested validation four time. The representative became upset and I did inform her that I will be submitting a complaint to CFPB and she said okay no problem I will make note of that. Attached is the letter I received from the collection agency on XX/XX/2020.
Consumer complaint received 2020-11-05
Product: Debt collection — Other 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)

On XX/XX/XXXX of this year, I received notification that a collection account had been added to my credit report by Midland Credit Management for a debt supposedly originating on XX/XX/XXXX, which was said to have been a debt they bought from XXXX XX/XX/XXXX, with whom I have never done business. XXXX XXXX  confirmed this debt referred to an inaccurate debt with XXXX that I successfully challenged in XXXX with an actual last reported date of XX/XX/XXXX, fully 10 years before the date implied on the reported account. I further learned that XXXX XXXX  bought XXXX recently and sold off this account to Midland Credit Management and had no knowledge of the XX/XX/XXXX date origination. As a result, I challenged the debt with XXXX  noting that Midland Credit Management violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ] by fabricating a non-existent account opening date with which XXXX  agreed and Midland Credit Management was forced to remove the fraudulent item from my credit report ( screenshot included ). 

I hadn't heard anything more about it until XXXX of this year when I received a threatening letter from Midland Credit Management ( also included ). In this letter, they again violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ], this time indicating the date of the debt origination to be XX/XX/XXXX. In addition to this, they have also violated Fair Debt Collection Practices Act 807 ( 5 ) by threatening me with an action they can not legally take ; in this case manifesting itself with a threat of legal action many years after the expiration of any applicable statute of limitations. 

At this point, I wrote a letter demanding they verify the debt per my legal rights and sent it via certified mail on XX/XX/XXXX ( receipt and letter included ). It has been over three months now and they have refused to answer my request thereby violating Fair Debt Collection Practices Act 809 ( b ). However, They attempted to call me again at XXXX XXXX EST and again today at XXXX XXXX EST, which they are also forbidden to do until they have responded to my request to verify the debt.
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX i endorsed my paycheck for my daughter ( XXXX ) to deposit in her bank ( BB & T ). She did. Within 30 minutes BBT 's mgr. called XXXX 's to come back and get the check they can't deposit it cause im not on her account. We did. I then cashed it at XXXX XXXX XXXX, {$970.00}. On XX/XX/XXXX the check was returned to XXXX XXXX XXXX cause it was already cashed. BBT accidentally deposited it after giving it back to me/us. on XX/XX/XXXX XXXX XXXX XXXX called me w the bad news so I went there and paid them {$970.00}. I went to bbt they couldn't figure it out right away and said ( blamed ) me for fraud and closed XXXX 's checking account. After we argued 3 - 4 days bbt realized and had me bring the receipts from XXXX XXXX XXXX showing I paid them back. Then at bbt i signed a radification form to open XXXX 's account up w the deposited money in. All is fine until XX/XX/XXXX when bbt closed XXXX  's account. Taking {$970.00} out.Transaction says a Adjustment case - {$970.00} which put her account at - {$270.00}. Saying it was fraud on our part. So w my jobs assistance, their payroll co. ( XXXX ) and XXXX ( my company 's bank ) my check was traced and showed on XXXX bbt deposited it and it cleared through XXXX. bank on XX/XX/XXXX. Bbt denies this and On XXXX started their investigation. I personally handed bbt my/our proof of letters. On XXXX their results claim they don't know where it is or they sent the money back to XXXX. XXXX denies this.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On all three credit Bureaus my personal information is reporting inaccurately and that's stopping me from getting approved and i have been getting denied for credit in, fact, that is a violation for reporting the wrong social security number for a consumer if you suppose to protect consumers information. There are accounts reporting that i have no knowledge of as well as inaccurate information reporting on an account. By law all three Credit Agencies are supposed to report 100 % accurate, complete, verifiable information. They all have failed to do so. I sent in letters and made multiple calls for all issues to get rectified and handled correctly by law. I need my personal information updated with the correct information and also i need all other accounts to be updated or removed due to inaccuracy and lack of information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information. The account is not verifiable I did not signed any paper work with this company. This account is not valid. 15 usc 1692g, 15usc1692k, 15usc1692e, 15usc1692h, 15usc1692j,15usc1692f. 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this account is reporting false information that's damaging my credit worthiness, I was never late on this account, There has to be some kind of billing error somewhere, Payment history is not accurate. Update this account to being current, never late. XXXX. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX This account is not accurate, this account need to be updated or remove from my report immediately due to the fact i do not recognized any of the information that is reporting, The account is not a written off charge off, if so the debt is canceled from the IRS and it shouldn't be reporting this is fraud and i want it removed immediately. If the account is charge off the debt was filed with an 1099c form. The debt does not exist, Update this account immediately or remove it from report.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently verified my credit report to come to realization that multiple credit card attempts were made on my credit file I have not applied for majority of these credit card as soon as I realize that I made a police report/ complaint and I have also placed a credit freeze on my credit so that i can better monitor the situation I have provided a short list of companies that these attempts have been made thru and have directly impacted my credit.
Consumer complaint received 2018-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I had 3 private student loans with American Education Services. I recently paid one off and refinanced the other two. The loans are known to AES from their disbursement date : XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the XX/XX/XXXX loan. On XX/XX/XXXX, I received a letter confirming the payoff of the XX/XX/XXXX loan. 

On XX/XX/XXXX, the balance of all of my AES private loans was approximately : XX/XX/XXXX :  {$0.00} ( paid in full ) XX/XX/XXXX : {$9300.00} XX/XX/XXXX : {$8600.00} On XX/XX/XXXX, I refinanced the XX/XX/XXXX and XX/XX/XXXX loans. The total payoff was approximately {$18000.00}. The new bank forwarded to AES a payoff amount of {$18000.00} delivered to AES on XX/XX/XXXX. 

AES misapplied all of my money. I very clearly took the steps necessary to fully pay off the XX/XX/XXXX loan through the AES website. I had the new bank follow the payoff instructions on the AES website to refinance the other two. As of the date of this complaint, AES did not fully close my XX/XX/XXXX loan and charged me {$56.00} in interest since the XX/XX/XXXX payoff date and my most recent inquiry about the loan on XX/XX/XXXX.

AES also misapplied the {$18000.00} intended to close out the remaining two loans by applying approximately {$13000.00} to the XX/XX/XXXX loan that only had a balance of {$9300.00}. The XX/XX/XXXX loan now shows AES owes me a credit of {$4200.00}. 

Additionally, AES misapplied the remaining amount from the {$18000.00} to the XX/XX/XXXX loan, causing the balance of the XX/XX/XXXX loan to show I owe AES {$4000.00}. 

I called AES multiple times to inquire how I could owe {$4000.00} on the XX/XX/XXXX loan while being owed a credit of {$4200.00} on the XX/XX/XXXX loan. AES is unresponsive, claiming I need to wait a few days for their " system '' to be updated. No such update has occurred. 

I also am unsure how I owe interest on a loan that was paid off two months ago.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX  dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on Equifax with the date of XX/XX/2011.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (FL)

Equifax Has refused to re investgation of these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX I have provide letter document they have sent me. 
Equifax is violating 15 U.S. Code 1681e - Compliance procedures. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.You have the right to bring a lawsuit. If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages. There are time limits on when you would have to bring a lawsuit, so make sure you are aware of any deadlines.
Consumer complaint received 2022-11-30
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. (NC)

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 U.S.C 1681. 

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, 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 7 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 2018-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MD)

I had complained to XXXX XXXX and filed a complaint with CFPB regarding to fraud and activity on my XXXX XXXX store card. XXXX XXXX sent a notice that it would be resolved within XXXX days since XX/XX/XXXX. It has been XXXX days and it hasn't been resolved however they are trying charge me monthly charges of {$27.00} and the available balance is still wrong and fraudulent.

As you will review in XX/XX/XXXX statement I have a balance of {$500.00} and then in XX/XX/XXXX there is a balance of {$390.00} which I didn't make any purchases. On the website they have a charge of {$140.00} and a balance of {$100.00} out of {$500.00}? ( See attached ). This is stressful and causing me anxiety and XXXX XXXX responded to CFPB and I however refuse to repair or fix this issue after waiting for XXXX days ( See Attached ). XXXX is continuing to be fraudulent.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (IL)

I submitted a complaint XXXX to the CFPB on XX/XX/22 about Equifax stating the following In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number XXXX, has violated my rights 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. In return I received a letter in the mail saying to contact them which I did in the past & they did nothing. They state that it didn't appear to have come from me but I am sending this complaint on my behalf.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm writing to address a critical issue with my recent credit report. Other bureaus have promptly removed confirmed fraudulent accounts, such as those listed below. I request immediate deletion of these accounts from my file as they are inaccurate and violate the law. 
XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CMRE Financial Services, Inc. (CA)

In XXXX of XXXX, I was placed on collections by CMRE financial for a payment of {$220.00}. I had not received the bill in the mail, nor did I get any phone calls/emails regarding this payment, which was due. This is not a recurring credit card, and the charge is related to Home owners association in the condo I live in. Often times, mail gets misplaced, which is likely the reason why I did not see this payment until it was too late. I have since then, paid the statement in full, and have not missed any payments since then. I am currently in the process of financing a home, and this old collection is still on my record and is affecting my ability to move forward with the transaction. The rest of my credit report is essentially flawless. I would greatly appreciate if I could be re-scored so that the appropriate credit score can be shown to the lenders. Please help me remove this from my record. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX
Consumer complaint received 2023-04-04
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. (MS)

I have attempted to resolve this issue with Experian numerous of times. Please be advised that this issue is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further actions. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this account is false and misleading. This is inaccurate. Please verify, validate, and document LEGALLY this account is accurate. Please provide proof that I was late on this account. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE UPDATE THE FOLLOWING ( PAID AS AGREED ) NEVER LATE IMMEDIATELY IF YOU ARE UNABLE TO PROVIDE LEGAL EVIDENCE OF LATE PAYMENTS XXXX XXXX XXXX XXXX Account # XXXX  {$8200.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$20000.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$5000.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$27000.00} ( PAID AS AGREED ) NEVER LATE
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (TN)

In XX/XX/2017, I contacted Quicken Loans regarding general information to refinance my home. It was not my intent, nor did I consent to having an application or credit inquiry submitted. I was simply wanting to obtain generic information on costs, and average interest rates. However the phone call resulted in an application, resulting in a credit inquiry, without clear consent from me, or even providing acknowledgment that they had done so. 
I was not made aware that Quicken had submitted an application/credit inquiry, until be notified by the financial institution I chose to do business with had alerted me. Although I have over an 800 credit score, this delayed the overall refinance process, and required additional documentation that otherwise would not have occurred had Quicken not done this.