davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (NM)

Hello, I sent TransUnion, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I notified Transunion that I am a victim of identity theft, they accused me of being a third party. My name is XXXX XXXX, and I am a victim of identity theft. I am NOT a third party or a credit repair company.
Consumer complaint received 2020-09-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed disputes with the credit bureaus and still have not receive anything from them. I understand they are in a state a different state then me but still should not take more then 30 days to reply to my requet.
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Harassment. Dropped through credit bureau dispute and placed twice on credit bureau. XXXX XXXX  XXXX XXXX Credit Card not valid unless signed. Abuse by merchant when card is only valid for Identification process. XXXX has release personal and financial information on miscellaneous acts. Misconduct, violation of privacy clause. Meets FCRA for deletion or reissuing at adjusted balance of XXXX. Business denied all attempts to process correctly.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the XXXX for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like XXXX told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong to.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (NV)

I received a fraudulent bill on my credit report from a company called Way Point Resource Group llc. Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. On my credit it reported I owe XXXX dollars from another debtor named 11 XXXX collections. On my credit report it shows that it was created XX/XX/XXXX. I contacted Way Point Resource on XX/XX/2023 and they demanded money from me immediately to fight to have taken off my credit.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My mortgage was put into forbearance. After the forbearance ended I have been trying to re-fi or do a loan modification. I have been paying my mortgage since the end of my forbearance but SPS has been reporting that I am in default because my loan was in forbearance. Because of this I can't get a loan from anyone and SPS has denied me any assistance. They are requesting that I come up with the entire amount of the forbearance to bring my loan up to date. My loan is up to date but they have been applying my payments to the forbearance amount and therefore are saying I am in default. They refuse to answer any of my questions and won't give me any assistance. They are terrible
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brennan & Clark, Ltd., LLC (PA)

I have an Insurance with XXXX XXXX ( Workers ' compensation ) I asked the Agency to cancel my Insurance My Protection, XXXX XXXX XXXX they refused to cancel, and they did not provide the request to the XXXX company after that the sent me to collection Agency XXXX XXXX. XXXX , XXXX XXXX XXXX XXXX , IL XXXX Toll Free : XXXX Ext XXXX Local : XXXX Ext XXXX XXXX I e mailed them all the prove ... but still getting threat from them, finally i asked me to take me to the court, but still getting a threat from them
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

Yesterday, a fellow from Citibank called to tell me of an overdue bill and a late charge from XXXX. I told him there was a problem with paying it since I havent had a XXXX card since XXXX and have never had a Citibank account.. He advised me that my problem was with XXXX. Citibank transferred my call to XXXX.XXXX had no record of my existence, and the only other way the rep could locate the invoice required the number on my membership card. So, if my nonexistent card were unavailable, the only way to resolve this dispute was to reason with Citibank.

Today, I received an email from Citibank/XXXX advising me that on my account # ending in XXXX, " You've got {$2.00} cash back on your XXXX reward certificate waiting for you. '' XXXX has not sent me a card in year, nor to my knowledge, have I ever paid an annual fee. Citibank does send advertising literature, but not billing statements. A payment I made on an existing balance was transferred to XXXX XXXX years ago.
Consumer complaint received 2021-08-09
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. (NY)

on a number of occasions i reached out to Equifax over the phone and spoke to different representatives who assured me that they would take care of the problem I was having. The complaint is about Equifax reporting inaccurate information as well as misinformation on my credit report. For example equifax has been reporting a balance of {$2000.00} on a XXXX  XXXX account listed as closed status on my credit report when in fact the balance should be reflecting a XXXX  balance instead. Because this information is being reporting inaccurately, according to the FCRA it should be completely REMOVED. This means that i am not asking Equifax to update the balance to XXXX  but to remove the account for reporting inaccurately. Secondly, as of XX/XX/2021, a number of accounts have gone missing including a student loan account which I was paying off along with other authorized accounts. I have enclosed images ( screenshots ) of my equifax online portal for two different months to show the difference.
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MI)

XX/XX/XXXX : Received a bill from XXXX XXXX stating they were the new billing company for XXXX XXXX ( copy attached ). I called the company to find the original date of service. They were unable to provide that. I have 2 insurances, Medicare ( primary ) and XXXX  ( secondary ). I am a XXXX XXXX XXXX and has XXXX coverage. 

I received an EOB from Medicare. This bill represents the balance after Medicare paid. They never billed XXXX. I continuously asked for over a year what did XXXX pay. They could not tell me. I asked for the Explanation of Benefits from XXXX. They never provided it. They agreed that it should be done and they would do it. They never did On XX/XX/XXXX, I received a collection letter from American Profit Recovery, Inc.for {$210.00}. 

I submitted a letter by certified mail requesting the following items : - An Explanation of Benefits from XXXX indicating what they paid- The original date of service- That they will validate the amount that I owe and verify that they ( American Profit Recovery ) can collect on this bill Instead of sending me the information, American Profit Recovery sent me a Patient Account History that did not provide me with any information ( copy attached ).
Consumer complaint received 2020-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX ENHANCED RECOVERY CO  XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-05
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. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/21 I sent out letters to the credit Bureaus asking for verification for the account number XXXX with Midland Funding LLC on my credit report that they assumed was mine and they replied back with with a generic letter saying it was verified. On XX/XX/21 I sent out a second round of letters asking for validation and I clarified what I needed within the 30 days, still they only responded, with a generic automated letter saying the debt was verified. They did not respond with the items I asked for under 15 USC 1692g. I then proceeded to send a validation letter to Midland Funding on XX/XX/21 directly asking for validation directly, and all they sent me was a bill that I never created. On XX/XX/21 I sent reinvestigation letters to all three bureaus with no progress of getting this issue resolved. Neither company has been able to provide validation that this assumed debt belongs to me and I need it removed from my credit report
Consumer complaint received 2024-02-22
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

I have a mortgage with Caliber Home Loans, since XX/XX/XXXX. The escrow amount for the mortgage had recently increased by about {$500.00} per month due to an increase in property taxes. The payment was {$2600.00} but increased to {$3100.00} effective XX/XX/XXXX. 

While Caliber did notify me via postal mail, I did not notice that my payment was going to increase. I typically always pay more than the minimum amount due on this mortgage in order to pay it off sooner, but it wasn't enough to cover the new minimum payment due. 

My normal payment of {$2700.00} was received by Caliber onXX/XX/XXXX, but was held in 'unapplied ' status until the remainder of the payment was received on XX/XX/XXXX. 

And as you can see from the attached statement, it still is in some sort of limbo status, and my principal balance is not reflecting the payment. ***I have been accruing additional interest due to their failure to post the principle and interest payment when they recieved it on XX/XX/XXXX, and still not posted as of today XX/XX/XXXX. 

Caliber made no attempt to call or leave a voicemail on my phone until XX/XX/XXXX. 
I have never been late on a mortgage payment. And Caliber is being predatory with this late payment, that was due to a recent change in escrow and the minimum payment due.
Consumer complaint received 2020-08-31
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: BMW Financial Services NA, LLC (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (WA)

I received a letter from the collection agency Hunter Warfield on X/XX/2017 regarding a debt from XXXX XXXX XXXX. Before calling the debt collector, I researched the company with the Better Business Bureau website and learned about its unfavorable rating on account of its heavy-handed debt collections tactics. In fact the company has a reputation of taking " disputed rental claims from shady rental agencies and tries to intimidate consumers into paying disputed claims by threatening their credit. '' Armed with this information, I telephoned the account manager, XXXX XXXX, and queried him about the matter. I stated to XXXX XXXX, " How did the company gain access to a confidential address which is not listed on any credit report? ". Although he claimed the original creditor had furnished him with information, I called him out on such an audacious lie because no one had the address. I stated that I had accumulated the debt after a lengthy hospital stay and was in no position for repayment because of a debilitating medical condition which prevented me from working. XXXX XXXX neither wanted to provide any information about how the company retrieved my personal information nor wanted to provide any information to affirm the debt. 

I stated to XXXX XXXX that because the company may have violated provisions on the Fair Debt Collections Practices Act for using a third party to gain unauthorized access to a confidential address and unlisted telephone number. I stated to XXXX XXXX the collection agency had used the skip-trace method after an unauthorized third party had provided his company hired a private detective agency to supply personal information. He tried denying the situation ; however, I stated to the debt collector I knew my rights and therefore the company could neither employ shady business practices nor intimidation to cower me into repayment. 

I later learned Hunter Warfield retrieved my information from the screening company, XXXX, XXXX, which is listed on a formal housing discrimination complaint with the both the Federal and Washington State Office of Housing and Urban Development. XXXX, XXXX is a local tenant screening company in XXXX Washington that provides information on prospective tenants to landlords and rental companies. XXXX, XXXX provided personal information to the debt collector, Hunter Warfield, as a scare tactic to prevent me from moving forward with a formal complaint of housing discrimination. Also, XXXX, XXXX provided adverse information to all credit reporting agencies in direct retaliation for naming the company in a formal housing discrimination complaint, thereby limiting ability to rent.