davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-04-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OR)

To whom it may Concern, My name is XXXX XXXX and I leasing a car from XXXX. Santander took over and I've been paying without missing one payment except back in XXXX when Covid-19 hit badly. I missed about XXXX payments and since then until now I never missed a payment. I emailed the CEO of Santander 6 times a goodwill letter and he never responded to my emails. I mailed them a goodwill letter on XX/XX/XXXX and they never responded. I called and they told me to call Credit Bureaus and they should remove them. Credit Bureaus are saying we can't help you because Santander has to do the job. Santander doesn't answer emails, mails. NOTHING. 

Again I mailed them another goodwill letter on XX/XX/XXXX and still never responded. As I mentioned before about Covid-19 I went through a financially tragic moment where I lost my job due to Covid-19 and as a result, I missed XXXX payments. To make your process of deletion easier, please find the late payment dates below : XX/XX/XXXX XX/XX/XXXX Regards, XXXX
Consumer complaint received 2022-04-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have filed an dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results
Consumer complaint received 2022-04-24
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. (OH)

I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. Debt Buyer. I Disputed and XXXX stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (LA)

I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due bc I needed my credit fix with XXXX XXXX. I told XXXX XXXX  that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the express store card from comenity bank and the Victoria secret store card from comenity bank. I keep disputing with express from comenity bank and Victoria secret from comenity bank, and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (TX)

Hi, I need my title to my vehicle I paid off in XXXX of XXXX. Included here is a photo of vin, and of credit report from XXXX XXXX. XXXX XXXX XXXX.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (CA)

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-24
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. (FL)

THE DISPUTED ACCOUNTS ARE CLOSED AND REPORTING AS DEROGATORY ON MY CREDIT REPORT. THEY ARE NOT LIABLE TO ME AND I WOULD LIKE TO HAVE THEM REMOVED.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX Balance : {$510.00}, XXXX  XXXX Balance : {$500.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$950.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXXXXXX Balance : {$430.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$520.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-24
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: WELLS FARGO & COMPANY (CA)

The account in XXXX is a old account that was resolved and still showing up on my report. the report is still payments to it. Account is settled and closed
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I received and e-mail stating that a paralegal was now representing my closing firm on a new real estate purchase. This person who identified themselves as XXXX XXXX did then request our realtor and sellers information. In addition to these requests they also stated that we owed them money for processing and they did contact my realtor XXXX XXXX to collect our personal information including income and social security numbers. This went so far that they contacted the company that we are purchasing property from stating that they are the closing company and needed cash and personal and private information from them.
Consumer complaint received 2022-04-24
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. (NJ)

In the month of XXXX in XXXX, I discovered that Experian had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to Experian on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that dispute letter! On XX/XX/XXXX I sent a follow-up dispute letter to Experian via USPS Certified postage. 

On XX/XX/XXXX I received an email correspondence from Experian stating to me that their investigation of the dispute was now complete. They stated that they determined the data furnisher had previously verified the reported information. 

These blatant actions that the Executive Officers of Experian clearly condoned have caused me loss of business relationships, marital instability, XXXX and XXXX  thoughts due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.
Consumer complaint received 2022-04-25
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)

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.

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 an 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NV)

Failure to Validate Debt Account in Violation of FDCPA I am filing this complaint against Zions Debt Holdings for their failure to validate a debt account as required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

On [ insert date ], I received a communication from Zions Debt Holdings regarding an alleged debt they claim I owe. In response, I promptly sent a written request for debt validation on [ insert date of your letter ], which was delivered via [ certified mail with tracking number, if applicable ] as proof of delivery.

Under the FDCPA, debt collectors are required to provide sufficient validation of the debt upon request before continuing collection efforts. Despite my request, Zions Debt Holdings has failed to : Provide verification or documentation proving the validity of the debt.

Suspend collection activities until validation was provided.

Since Zions Debt Holdings did not meet their legal obligations, I believe their actions violate the FDCPA. Their continued efforts to collect this debt without validation have caused me undue stress and confusion.

Desired Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action, including but not limited to : Investigating Zions Debt Holdings compliance with the FDCPA.

Requiring Zions Debt Holdings to provide complete and accurate validation of the alleged debt.

Halting all collection efforts until proper validation is provided.

Imposing penalties for non-compliance, if applicable.

Supporting Documentation : Copy of my written validation request letter sent to Zions Debt Holdings.

Proof of delivery ( e.g., certified mail receipt ).

Copies of any communications received from Zions Debt Holdings.

Additional Notes : I request that Zions Debt Holdings cease all collection efforts and communications with me until this matter is resolved, as per my rights under the FDCPA.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-04-24
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-24
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. (MI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Never late on any payments. 
XXXX XXXX Never late on any payments. 
XXXX XXXX XXXX XXXX Delete of account for inaccurate and outdated information. 

Please provide a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2022-04-24
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. (UT)

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.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 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. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XX/XX/2022 I was checking my account online and seen an unknown electronic withdrawal pending for {$810.00} I call my bank and was sent to fraud prevention I asked him to please put a stop payment on the company and not allow this transaction to go thru .. that was successful but in turn I was paid my direct deposit {$4400.00} the next day my paycheck and went to pay my bills and my funds where put on hold both my business checking account and my savings account, I called right away and was told I need to go into a branch and they could lift the hold but there where no notes attached to my account except Do Not Remove Hold and to contact XXXX XXXX XXXX XXXX XXXX  with any questions. Went directly to my main branch talked to my branch manager XXXX she looked everything up and could only send a message to XXXX so she did no response until XXXX and the response was to tell the customer ( Me ) to refer to my deposit Agreement that I signed when opening my account and that they have 30 days to review my account before releasing my funds. Nothing has been resolved I have called many more times and all I get is no one knows what to do or they can't do anything yo help me.. main branch has reached out to many upper management and to no resolve. I called again on XX/XX/2022 and talked to a man in my business banking department he said the hold was scheduled to be lifted at XXXX. I got online at XXXX and tried to withdrawl my funds and the hold was back on. Called in the morning and was told a new hold was put in place on the XXXX of XXXX. I have been given zero reasons for this hold on both of my accounts and I run a small business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is making it impossible to run my business and to pay my bills my mortgage payment is due no later that the XXXX and so my mortgage is going to be late along with all my other bills. I find this to be unexceptable and very unprofessional. There is no explanation of why my bank is doing this I owe them nothing and they are withholding my money from me. Thank you I hope you can help me resolve this. 
This is U.S Bank in XXXX Wa
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to XXXX, TransUnion and XXXX via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of Education-XXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my report immediately.
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

2 medical accounts listed from collection agency : TRANSWORLD SYSTEM, INC ( TSI ) of which I have disputed with XXXX, XXXX AND XXXX and Collection Agent continues to verify without providing any validation or proof of debt. Prior letter ( s ) from TSI represent information that is on TSI letterhead. I have requested, by consumer collection regulations, copies of original invoices from original medical creditors. To date, my requests, for now well over a year, have been ignored. I've requested service dates and any contracts I allegedly signed bearing my signature, agreeing to pay these bogus medical bills. I will attach a letter I wrote to TSI well over a month and all has been ignored by TSI. I'm asking for permanent deletion to both accounts with the file returned to original creditor. The accounts are TSI REFERENCE # XXXX & REFERENCE # XXXX.