davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
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)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please pages 7, 8 and 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is  owed and nothing is past due. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2022-12-04
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. (SC)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 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 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3.ACOUNT NAME : XXXX ACC BAL {$710.00} This was never validated please delete. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Consumer complaint received 2022-10-09
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)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (VA)

They closed the account due to the fact I had multiple payments that returned even though I was up-to-date on my payment. Once they closed the account they let me know, I still owe the balance I told them great, I will pay it as soon as I can. Then they started with the bombardment of phone calls.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (PA)

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2022-10-09
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. (TX)

Mailed certified letter to XXXX with regards to unauthorized credit inquiries. No response, or validation of all these fraud credit inquiries. I would like to see validated signatures of my permission to pull all of these inquiries. If XXXX can not provide me with PROOF of signature in which, I consented to these inquiries. I have asked them to remove all of these fraudulent inquiries from my credit report. 
( See attached letter )
Consumer complaint received 2022-03-15
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. (FL)

You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emerald AR Systems, LLC (AZ)

I received a bill from XXXX XXXX for {$150.00} for amount not paid by insurance company, statement date XX/XX/XXXX. I paid this bill using my XXXX XXXX XXXX  on XX/XX/XXXX. 
I was rebilled for the exact same bill and amount saying it was past due. They turned it over to Emerald XXXX. I disputed the bill, they validated the bill. 

The bill was already paid.
Consumer complaint received 2017-04-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2017. final payment in full note instrument number # XXXX for settlement and closure in the amount of {$6500.00} for Wells Fargo Credit Card MasterCard ending in XXXX was accepted and received via USPS overnight express number XXXX by Wells Fargo att : CFO XXXX CA XXXX. 
pursuant UCC 3-311 payment satisfied debt in full pursuant UCC 4-302 Wells Fargo had 2 days to return the check if refused. 
pursuant UCC 3-603 ( b ) ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, However payment has not been applied to the mastercard credit card. I request Wells Fargo to credit my mastercard credit card account ending XXXX for settlement and closure accordingly.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Opportunity Financial, LLC (AR)

I just went through a bunch of statements that were sent to me and man, there are so many mistakes! I need some proof to clear things up. Can you provide me with some documents that break down the finance charge? I want to know exactly how you calculated it, including stuff like the average daily balance and periodic rate for each period. Oh, and if you used the Federal Reserve prime rate, make sure to factor in any changes that affected the interest. Did you use the average daily balance method? And did it include or exclude new purchases? Also, if the finance charge includes insurance to protect the creditor, tell me what type of insurance it is ( like legal or debt suspension ) and how much it cost in each period. How did you miss all these errors?!
Consumer complaint received 2022-03-15
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. (FL)

You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt.

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.
Consumer complaint received 2022-12-04
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. (MI)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 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 2022-03-15
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX  XXXX Account # XXXX ], XXXX XXXX  XXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ], XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-03-06
Product: Credit reporting 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX? XXXX Has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-03-15
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: EQUIFAX, INC. (NJ)

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$3300.00} ; {$3500.00} ; {$6500.00} ; {$5300.00} of this loan have competed the rehabilitation process. Delete now.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hi, I am a natural living person. ( Please see attach court document ) The credit bureaus have been reporting false, inaccurate credit reporting dollar amount on my account. The two XXXX XXXX accounts listed below are court agreed amount. The credit bureaus amounts are in accurate and false reporting monthly on my credit report account I have reach out to them to get this changed and it still not changed. Account name : XXXX XXXX XXXX XXXX # Account Number XXXX XXXX this has violated my rights false dollar amount of {$2800.00} this is different from the court agreed judgement.. Account name : XXXX  XXXX Credit Card # Account Number XXXX XXXX this has violated my rights false inaccurate dollar of {$3800.00} this is different from the court agreed judgement. Account name : XXXX XXXX XXXX # Account XXXX XXXX XXXX has violated my rights false dollar amount of {$5700.00} sitting on my credit with no proof its mine, I have called, send mail and its still no proof this account it mine and they wont remove from my account. They work with these companies to put false inaccurate information on credit report even if there is no proof.
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (AL)

Dear American Express, I would like to report the Business Amex Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

This company has sent us mail stating they have won a law suit in court against us and we have to pay them the money owed we can go to jail, we have been paying them to avoid problems, but have been severely affected by covid-19 and have had to not pay other important bills to pay them out of fear, this is the second time they do this to us, this one is under my name, they also have a judgment on my husbands name in which we also have been making payments with out being able to.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (MT)

Bogus wire transfer through Wise money exchange charged to my wife 's XXXX XXXX debit card. We do not have an account with Wise and you can only get customer service if you have an account. We cancelled the debit card and had it reissued, but there is still the charge that has to be resolved through complaint process ewith XXXX XXXX
Consumer complaint received 2019-07-31
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. (MO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please pages 7, 8 and 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.