davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2022-10-08
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2022-04-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (SC)

I reached a buyout agreement with The XXXX in XXXX of XXXX, the agreement was Id give 60 days notice and pay the rent owed during that time, once that time frame was up Id owe an additional months rent of XXXX and the manager at that time, XXXX XXXX advised I could even set up a payment plan if need be. I pay XXXX on full, XXXX in full, and the rent for XXXX was prorated based upon the date I gave notice. We moved and Id tried establishing the payment plan with XXXX, Id left the area to work out of town for a while. She kept putting the matter off, and we soon found out shed quit. The new manager stated she had no knowledge of the buyout and that shed moved me out of an apartment on XX/XX/XXXX but wed left in XXXX. They refused to adhere to the buyout agreement that was with their previous agent XXXX XXXX and began running a total again. The remainder of XXXX, XXXX, and XXXX, even though their manager admitted to allegedly moving me out. I have screenshots and emails of everything, even their website prorating XXXX rent. And the payment being made and is owing zero. I believe this to be retaliation from a legal matter we had months prior, they were the victims of a theft and had several money orders stolen and cashed. As a result they tried to charge us for their theft, we refused and they tried to evict us for XX/XX/XXXX rent. The judge found in our favor and they still kept that balance there for months, we had to contact the judge in order to have the complex remove the balance that wed legally established we did not owe! I still have a copy of the judgement as well. They sent the present matter over to IQ data, I disputed this using the method they provided. The apartment complex nor their corporate office ever responded to the dispute, IQ data kept calling stating I owed a debt even though I was in an active dispute period and their client never responded, they admitted as much on their recorded line. I disputed this matter in XXXX of XXXX with IQ data and their client The XXXX a living well homes community has still yet to respond, but IQ data placed the disputed matter on my credit report even though I supplied them with evidence supporting my argument and their client never provided a debt validation. This has caused my family and I to have to rent hotels spending mountains of money.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (NY)

I returned my XXXX XXXX 3 months early ( 39 month lease ) on XX/XX/XXXX as part of a " pull ahead '' arrangement and I signed a new 36 month lease for another car ( XXXX XXXX ). 

On XX/XX/XXXX I received a letter from VW Credit , Inc. ( dba Audi Financial Services, " AFS '' ) indicating that I owed monthly payments on the XXXX and that failure to pay may result in them reporting to the Credit Bureaus. I called XXXX that evening to express my concern about the letter as I did not owe monthly payments on the XXXX as I'd returned it at the end of XXXX. 

AFS said that this is a dealership issue and that I should contact the dealership. 

The dealership said they submitted all the paperwork to AFS but that AFS hasn't taken care of it because they have computer issues and are otherwise backed up. They even shared a " grounding report '' statement with me that was generated on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from my bank that my credit score dropped [ xx ] points. 
I pulled my XXXX credit report which shows that XXXX was OK and had no Balance or Past Due - this makes sense as XXXX was the last month I had the car. However, XXXX, was noted as 30 days past due. 

I immediately called XXXX and sent them the grounding report I received from the dealer. They said they would correct any issues with the credit reporting agencies. 

On XX/XX/XXXX I called AFS who said that the credit mark was reversed on XX/XX/XXXX and that I'd receive a letter from AFS. 

On XX/XX/XXXX I called AFS who said that I shouldn't have been expecting a letter from AFS ; the letter would be from the credit Bureaus but that he'd generate a new final statement with excess wear and tear costs that I owe on the car. 

On XX/XX/XXXX I called XXXX to see if they received the correction from AFS. They indicated that the last update they had from AFS was XX/XX/XXXX. 

On XX/XX/XXXX I called AFS who said my account was sent to the credit team for adjustment, but that it didn't get done. She was going to request it be rushed through within 24-48 hours and she is really sorry. She also said she would note that my account had a complaint. 

My understanding of 12 CFR 1022 is that AFS has 30 days to correct misreported data. I called AFS on XX/XX/XXXX and its 58 days later with no action taken to correct their mistake.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.
Consumer complaint received 2019-05-02
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. (NY)

I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX ( XXXX ) XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, OH XXXX USA amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

I took out a loan with Santander Consumer USA in XX/XX/2013 for a used XXXX XXXX XXXX. The original loan amount was around {$12000.00}. My monthly payment is {$340.00}. I have been paying this loan for six years, totaling over {$18000.00} in payments made. Almost 100 % of my payments have gone to interest because the loan balance is still almost identical to the original amount taken out in XX/XX/2013. There has been less than {$1000.00} in reduction. My payments are never applied to the principal balance. When I fell behind on a few payments due to financial hardship, I asked repeatedly for deferments or to at least lower the monthly payment. None of my requests have been granted despite my best efforts to catch up on payments. I have repeatedly told them that I cant afford the back payments, I can only afford one payment per month and have asked for them to work with me by placing the two late payments on the back-end. The only solution they ever provide is for me to let them repossess the car even after I give them a {$340.00} monthly payment. Nothing makes a difference. I am always two to three months behind and always threatened for repossession if I dont catch up. They call me everyday and call my family. They have even contacted my sisters husband, without my permission. They continue to pocket 100 % of the payments, and they refuse to waive any of the fees they add every day. I have asked for a detailed breakdown of the fees and interests but I have never been given an explanation that makes sense. It seems that they are just stealing money from me at this point. Ive tried to sell the car by trading it in but it is impossible with a debt this high. The value of the car is only about {$3000.00} or less now. The situation is out of control and I have no way to resolve it myself.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (HI)

I have been waiting since the middle of XXXX to resolve this issue with chase : they have not responded in spite of several secure messages confirming they will follow up in a few days. XXXX with chase executive services is pulling the same nonsense. I had an ear injury and can not hear, they have denied accommodating this XXXX. They continue to stall this CFPB inquiry by saying they are still researching and working on this. There is nothing to work on. They over charged me, they lied about when they would assist me, Ive been hit with more late fees and now my credit score is being impacted and I was recently denied a personal loan because it have a late payment on my card! It would not have been late if they didnt take more than what I approved. Instead they took unauthorized funds from my account and have refused to correct this in a timely manner. And thats before the outright discrimination Ive faced attempting to get help with my new XXXX!!! Look at the attachments, Ive made countless requests and they say the same thing we will contact you in a 2 business days they never do!!!!!
Consumer complaint received 2019-05-01
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: EQUIFAX, INC. (TX)

I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.
Consumer complaint received 2019-05-01
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. (TN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report. I contacted the FTC and I've also called my local police department. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-10-08
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 submitted a request to XXXX and Transunion to removed erronous credit error on my report. I subitted supporting documents on XX/XX/2022. As of this date the problem still exists and it took over thirty days to eespond which menas it was the the 30 days period from their investigation. Therefore, It must removed the error from my credit report. I received and have in my possession a notary document stated that this account was in error and that the vehicle in question was recalled by the manufacture. I submitted proof to XXXX XXXX Transunion back in XX/XX/2022 and 60 days later it still shows as an updated file. They have not done anything to my account even though I submitted proof that XXXX XXXX screwed up. According to California law, the vehicle XXXX purchase was in fact a lemon by California standards, plus the Manufacture admitted that it recall the vehicle and didnt have the parts to fix the vehicle as of XX/XX/2022.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accounts Receivables, Inc. (FL) (FL)

I was in a car accident in XXXX and thought all of my medical bills were paid from my settlement. I NEVER received a bill from XXXX XXXX, I never received a call from them, they never reported the debt to any credit reporting agency -- They just sued me in XXXX. I thought this was settled and done, I didn't think I owed any money because I told the lawyer how little money I had at the time and my health, I had a XXXX not long after this. There was no mediator in the room with us, it was just me and the lawyer, I don't think that was right. It doesn't feel right. I didn't understand what was happening and yeah, I understand that I signed the paper but I did so under false understanding. There was no third person in the room with us to be an impartial party. Since that day in court, I haven't heard anything from this, I have received NOTHING stating I owe XXXX XXXX and the only calls I've received are robocalls that don't even include my name so I assumed they were spam. I was not properly notified and now they are garnishing my wages and refuse to work with me when I reach out. As soon as I was aware of the debt I reached out. The garnishment is preventing me from paying other debts I knew and agreed to and my credit score has dropped over 100pts.

I really think there should have been a mediator, I feel like if there was a third party in the room they probably would have made sure I actually understood what I was to do and none of this would be happening.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-03-16
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous 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 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
Consumer complaint received 2022-04-08
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. (CA)

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TN)

XX/XX/XXXX, Chase Mortgage sent a letter agreeing to correctly update my account to a consolidation loan and not a mortgage account. This Chase account was never a lien on a property. We sold the home back in 2002. As of XX/XX/XXXX the consumer report was updated correctly, but the factual data base reporting to mortgage companies was not updated. Chase is still reporting as a mortgage collection ( foreclosure ) to our  lender. We are trying to close on a house this month. We need this information updated on the factual data base reporting system that the mortgage company receives. 
See documents attached. We appreciate your prompt attention to this matter. 

XXXX XXXX XXXX