davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX I filed for a copy of my free annual credit report, as allowed under the FCRA. Experian responded and said they couldn't identify me, and requested further information. On XX/XX/XXXX I mailed the requested information. Experian responded and said they could only partly identify me. they then requested THE SAME INFORMATION I already mailed them. I responded AGAIN with the same information requested. They responded again saying they couldn't identify me and requested the same information AGAIN. On XX/XX/XXXX, Experian received certified USPS letter # XXXX. This letter contained 1. A copy of my license 2. A copy of my Federally Issued Social Security Card 3. A Copy of a utility Bill 4. A copy of every address I have lived at since age XXXX, 5. My Date of Birth. 6. My Full Name. I have copy of tracking information and letter with all enclosed information to prove this. On XX/XX/XXXX, Experian responded by stating they still couldn't identify me and requested AGAIN the SAME INFORMATION the was already sent three previous times. 1. A copy of my license 2. A copy of my Federally Issued Social Security Card 3. A Copy of a utility Bill 4. A copy of every address I have lived at since age XXXX, 5. My Date of Birth. 6. My Full Name. While claiming not to be able to identify me and repeatedly requesting the same information, company haws repeatedly offer to sell me a copy of my credit file. If I cant ' be identified, how can I be sold a copy? Experian is attempting to extort me into buying a copy of my credit file.
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (AR)

I have contacted Prosper by Phone and email the post two weeks, and all three times they stated they were working on removing the Annual Fee for Accounts with Auto Pay. Its been two weeks and the Fee is still on XXXX Account.
Consumer complaint received 2022-12-15
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (FL)

XXXX has not updated the account owned by ENHANCED RECOVERY COMPANY.it has been investigated and this account was removed completely from my report. Please can you please remove it to. Please dont close it. Please remove it I read closed account can have negative impact on credit report. Im trying very hard to fix my credit. I disputed this on XX/XX/19. Dispute report # is XXXX
Consumer complaint received 2018-05-03
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. (TX)

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ XXXX. XXXX ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2023-03-21
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. (TX)

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

US DEPT ED # 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DP OF EDUC : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, : # XXXX, DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late in XXXX of XXXX, 90 or 120 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and possibly 120 days late in XX/XX/XXXX - different bureaus report different dates making it ever more confusing. 30 days late again in XX/XX/XXXX or XX/XX/XXXX again discrepancies! 60 or 90 days late in XX/XX/XXXX - more confusion! Either 90 or 120 days late in XX/XX/XXXX - I can't tell!!! and either 120 days late or no payment data for XX/XX/XXXX! then magically back on track! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

- In XX/XX/2019 I spent over an hour on the phone with representatives from Portfolio Recovery Services where upon we agreed upon a settlement amount for an Account they purchased from XXXX XXXX. ( I would like to have a copy of our recorded Conversation submitted into the evidence of this complaint. ) -The Amount agreed upon was {$700.00}. I paid the same day during the same phone call. Bank Records showing the payment was made is Attached. 

-Since I was in the process of buying a house I needed proof that this debt was settled for my underwriter. On XX/XX/2019 I was issued a letter from XXXX XXXX Portfolio Recovery Services stating the terms of the settlement including the words " within approximately 30 days of the final payment successfully posting, our company will request the three major credit reporting agencies delete our companys tradeline related to your account from your credit '' A copy of this letter is attached. The Payment was posted the day of the initial conversation. 

- Since the payment has taken place, I have constantly been harassed via phone and by mail demanding I pay the remaining balance on the account that was settled in XXXX. I contacted the Credit Reporting Agencies to remove this settled debt from my Report and I was sent another letter ( which I attached a picture of ) one of the letters that his been sent showing they " verified '' the debt. They are actively pursuing a settled debt. 

-I have spoken to two managers and several associates of Portfolio Recovery and they each claim they are going to stop the calls. The account is still reporting on my credit report and negatively impacting my credit score.
Consumer complaint received 2021-12-01
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. (IL)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-12-15
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Qualey Law Group, Inc. (NV)

I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from XXXX  XXXX XXXX in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX and now XXXX XXXX XXXX   are suing me through Qualey Law Firm in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..
Consumer complaint received 2022-12-15
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)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX.
Consumer complaint received 2019-07-10
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: DISCOVER BANK (TX)

I have disputed the account 4 times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all four times they refuse to remove this from my credit. I also called them twice to advise them that the Judge has dismissed for the following reason : 1 ) Plaintiff failed to appear for a hearing or trail of which notice was had, 2 ) Dismiss for want to Prosecution. The person didn't get her name but she told me that I just needed to wait till it drops of my credit, but in the mean time it still shows up every month on my credit. I have also Mailed them a copy of the dismissal letter dated XX/XX/XXXX and they still refuse to remove from my credit.
Consumer complaint received 2019-07-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Michael J Adams PC (TX)

The XXXX XXXX XXXX the attorney sue me that I dont what is they been try to call me they file lawsuit. When I go to the courthouse and response to the courthouse they told me that case is already close and dissmed with out presentation to the us. The judge order judgments without party affair to the court I been response to the court myself. But no luck. I think the judges is already bought by the lawyer present the by XXXX XXXX XXXX. The judge dont my situation Im very disappointed of the judge for judgments because I cant afford the lawyer presenting me .and XXXX XXXX at the he is XXXX  XXXX very seriously sick. He couldnt walk or talk. Im been struggling to taken of him. Even been going to the courthouse the judge is already bought of his judgments. On XX/XX/2017. The judge made his judgments with out talk to us. I dont know what is creditors sue us all know I been harassed by this company. They going to sue me or put me the court with discuss to what is, I am really this appointed by the judge for not knowing our situation.. I very stressful my life since my deceased now. No ones to go. I can not afford to hired a lawyer.
Consumer complaint received 2019-09-20
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 name is XXXX XXXX XXXX, my SS # is XXXX. 
I am FILING THIS COMPLAINT TO TRANS UNION FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, e-Oscar or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

Your failure to positively verify these accounts has hurt my ability to obtain credit.

PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS : 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
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MI)

I was notified last year that my federal student loans were being shifted over to Edfinancial. As the pause was coming to a close I was given notifications about payments restarting and to re-apply for income-driven repayment. Around XXXX of XXXX  I did so. I soon after received notice that I would be getting a bill in XXXX for around {$2500.00}. This was NOT a reflection on an IDR plan. I called. They told me this was not that amount that would be withdrawn from my account in XXXX, but rather an amount much lower- they said {$50.00} over the phone ( which seemed low ), but whatever. Sounds good. In XXXX, with no notice, {$2500.00} was withdrawn from my bank account. I called Edfinancial. The woman I spoke to couldnt explain what had happened. She also didnt have the authority to make any changes to my account. She told me to AGAIN apply for IDR/SAVE. Furious, I did so. I then got notifications that i was late on payments. I can not afford this XXXX XXXXXXXXmonth ( which is why i applied for IDR in the first place ) another month went by. No notifications. I got a bill saying I owe something around {$7500.00}! I called. Again. Oh, i found your tax documents. They got lost. Lost? They were sent electronically. They dont get lost. They told me it would be another month until this was processed. They refused to send confirmation of our conversation or the statements they have made over email. They want no record of what they tell you over the phone. Im trying to buy a house. Im trying to live my life. This organization is the most predatory, fake, disrespectful, lying, useless organization I have ever dealt with. They have STILL not processed my IDR request. They offer no updates through their website of where in the process things stand. And when I call and ask for updates they make promises or statements about things that will take place, but refuse to send any emails with updates. Im at a total loss. I dont know what to do. This is going to XXXX my credit. Its criminal. I need help.
Consumer complaint received 2022-12-15
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. (DC)

I submitted multiple letters to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again. 
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