davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

Portfolio Recovery - XXXX XXXX - is reporting on my credit report erroneously for one ... They are reporting multiple times and different info on my report. 
This debt is over 7 years old and past the statute of limitations. 
For 2 this was an erroneous small interest charge that was billed when I was XXXX. And per the SSCRA they can not charge fees or interest when out on orders. 
THis was not valid in the first place and illegal ... and the debt is now so old it is past the statute of limitations. 
I served our country and this is ridiculous. Still fighting this for all these years
Consumer complaint received 2019-01-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

on XXXX XXXX, 2016 i filed a dispute for XXXX judgment and XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate the items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when i contacted the Clerk of the XXXX XXXX of the State of California as well as the XXXX Office they BOTH report that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the records reporting. Upon contacting Equifax and requesting that they mail a description of their procedures, indicating the exact name and contact information, for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The XXXX tax liens and XXXX judgement should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX XXXX XXXX  credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from XXXX XXXX since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since XXXX did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When XXXX reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for XXXX XXXX to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from XXXX is detrimental to my credit rating, with a substantial credit score drop of 75 points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

I attempted to do business with a company called XXXX in XXXX of 2021. This was supposed to be a vacation club offering high end vacation packages at a discount price. The total amount of this package was {$7800.00}. I was never provided with a contract or any proper disclosures, only some vacation brochures and a non working usb drive that was supposed to have a contract on it. I had to pay a down payment of {$780.00}. After not being able access my account for a month I was finally able to log on to attempt to book a vacation. After access to the online account is when I realized this company was a total scam. I immediately called them in XXXX to cancel and get a refund. I was told that I could not cancel and that my deposit was not refundable. After a few attempts to escalate the situation I finally gave up and said the can keep my deposit but I dont want anything to do with this company. At this point Ive paid {$780.00} and received nothing. I thought to myself that this was just the price I have to pay for getting scammed. I Over a year later I see my credit report has collection for over {$10000.00}. I reached out to Monterey collection agency ( the company reporting the collection ) to dispute the collection with no success. This has been a nightmare.
Consumer complaint received 2022-10-18
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. (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. 

Account Name : 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 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 XXXXXXXX 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 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-18
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. (TN)

I have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.
Consumer complaint received 2021-11-07
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. (GA)

For months, I have been disputing items that are 100 % incorrect and have not been proven using the law thus far. 

The major 3 credit bureaus. Transunion, XXXX and XXXX.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There is an account on my reports that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa and is affecting my financial well being and overall standard of life and it could lead to civil to litigation
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello CFPB I am writing to ask your assistance to reopen my old accounts with Citibank. My Citi thankyou Account with credit Limit {$8900.00} was closed due to inactivity but i was not even notified or aware that i have to use this card otherwise it will be closed. Its my oldest card Since XX/XX/XXXX and by closing this account it Will have very negative effect in my credit worthiness. Aslo citibank closed my another Account Citi Simplicity with credit limit {$9600.00} which i had since XX/XX/XXXX this situation also was same. Please assist me to reopen my old accounts and restore my credit worthiness Thank you
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

HELLO, I AM EMAILING BECAUSE I WOKE UP TO AN ALERT THAT MY CREDIT SCORE DROPPED BY XXXX POINTS DUE TO XXXX XXXX  FLAGGING MY ACCOUNT AS 30 DAYS PAST DUE. I AM CURRENTLY PENDING APPROVAL OF MY MORTAGE ASSISTANCE APPLICATION. I WAS TOLD IN MY CALLS CALL WITH XXXX WHILE MY APPLICATION IS UNDER REVIEW I WILL NOT SEE ANY CHANGES TO MY CREDIT REPORT. PLEASE ADVISE WHY YOU ALL REPORTED MY ACCOUNT DELIQUENT WHEN I AM STILL PENDING THE RESULTS OF A MORTAGE ASSISTANCE APPLICATION. 

ALSO THERE IS NO FAQ OR ANY AGREEMENT WITHIN THE MORTAGE ASSISTANCE APPLICATION THAT I UNDERSTAND THAT MY ACCOUNT WOULD BE REPORTED AS DELIQUENT IF I FAIL TO MAKE MY PAYMENTS WHILE UNDER THIS REVIEW. 

PLEASE SEE THE ATTACHED APPLICATION WHICH IS CURRENTLY UNDER REVIEW. AGAIN THE APPLICATION DOES NOT SAY I UNDERSTAND AND AGREE THAT MY ACCOUNT WILL BE REPORTED DELIQUENT TO THE CREDIT BUREAUS. OTHERWISE, WHAT IS THE POINT OF THIS APPLICATION?! 

PLEASE ADVISE,
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I am a legally XXXX XXXX that has had suffered identity theft. My XXXX include mental and physical, meaning that i spent all my education until High School under special education due to my capabilities. My brain damage does not allow me to read, write nor comprehend any paragraphs of any form. 
Been legally XXXX since i was XXXX XXXX XXXX and my medical records are living proof of it. I collect social security XXXX benefits for that reason, the credit bureaus keep sending all collections to collection agencies and it seems like i cant get them off my hair. They are aware of my mental limitations and XXXX and they still keep sending reading and signing material to me. I am mentally challenged and they can verify that by having their legal and medical departments contact or subpoena my medical records. 
I meed this to be repaired or taken off my credit report that has affected my adult life. I had to spend XXXX years being homeless due to my credit incorrect reports. I am basically having troubles getting a decent life due to that problem. I demand some assistance so i can qualify for some decent and better life as it is my right. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Consumer complaint received 2022-10-19
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2024-03-07
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (RI)

The balance of {$90.00} on my XXXX account was supposed to be credited in full before I cancelled service and switched cable providers. Instead of crediting the account the balance accrued charges in increased to the amount of {$250.00} instead being credited to XXXX. 
I recently received notification that a company called Williams and Fudge opened a collections account with XXXX but I do NOT owe XXXX or this sham of a company anything. 
They fraudulently opened a collections account without ever contacting me or sending any type of correspondence. 
Please help
Consumer complaint received 2022-02-02
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. (MO)

This is my 4th attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting US BKPT CT MO XXXX XXXX Bankruptcy XXXX XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT MO XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX XXXX
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (GA)

These inquiries doesn't not belong to me and we're not authorize by me XXXX 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
Consumer complaint received 2017-05-30
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: Midwest Recovery Systems (TX)

A collection was added to my  XXXX  and  XXXX  credit reports by Midwest Recovery Systems for {$2500.00}. It is apparently some payday loan that I never took out and I was never contacted about it.     I am in the middle of a mortgage loan process and this is going to affect my approval and rate. I can not dispute it on my report as the lender will not approve my loan with any disputed items.     I need this fraudulent account removed from my reports as soon as possible!
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

A collection appeared on my credit report from XXXX XXXX XXXXXXXX months ago about a collection from an a apartment complex in Washington. I filed a dispute with Experian I do not live in Washington asking for a statement or what this collection was for they just verified the collection and gave me no information as to why or what this is for
Consumer complaint received 2022-10-18
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. (TN)

assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to 31 CFR 306.11
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XXXX XX/XX/XXXX fraudulent charges were placed on my credit card to four different locations/addresses. 
-The addresses/locations associated with the fraudulent activity are " XXXX XXXX XXXX  '', " XXXX XXXX XXXX '', '' XXXX XXXX XXXX XXXX '' , and " XXXX XXXX  ''. 
-The amounts of each charge were one of the following three : " XXXX '', " XXXX '', " XXXX ''. All charges had a XX/XX/XXXX authorization date. 
- Total fraudulent charges amounted to {$7500.00}. 
- Fraudulent activity was recognized by USAA and alerted myself, froze the card, and locked the account. 
- USAA has taken action to remove the charges from the account. USAA stated the charges should be removed completely at the start of the work week.
Consumer complaint received 2021-11-07
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)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

On XX/XX/XXXX of 2022 I asked for a refund of the payments I made on my student loans during the forbearance period. I asked for the entire amount I paid during the forbearance period to be refunded. They said it would take XXXX - XXXX weeks. I sent another email in XXXX and they responded the time period can take XXXX weeks. It has now been XXXX weeks. I need the money and this should have been taken care of by now. I also called and requested the refund in XXXX. 
Thank you for addressing this matter.