davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
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. (IL)

XXXX XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX XXXX XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2019-10-25
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 DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.
Consumer complaint received 2021-07-31
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, Equifax, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( XXXX  ) and XXXX XXXX-FINANCE ( Equifax ) XXXX, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( XXXX  ) / ACCOUNT XXXX ( Equifax )
Consumer complaint received 2019-10-24
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. (IL)

XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX , XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

On XXXX/XXXX/2020 at XXXX XXXX  California Check Cashing Stores left a message on our voicemail regarding a payroll issue with a check under the name of XXXX XXXX in the amount of {$1000.00}. I called them back the same day and explained our company checkbook had been stolen from a work truck and those checks were cancelled with the bank right after they were stolen ( months before ). An employee told me that someone from our company verified the check ; there are only two people in the company - my wife and I. Neither us verified anything as we have gotten calls from this same check cashing place three times over fraudulent checks - each time we verified the checks were cancelled with our bank and should not be cashed. The employee apparently cashed the check. 

On XXXX/XXXX/2020 we received a letter from California Check Cashing Stores stating they cashed a check for {$1000.00} to a XXXX XXXX and that we now had to pay them the money. They stated that if we don't pay in ten days they are pursuing all remedies for payment allowed by the law. 

On XXXX/XXXX/2020, I received a call from California Check Cashing Stores and when I explained that we were not liable, after speaking with our bank and a regulator in consumer protection, the employee on the phone started yelling at me when I explained we were not liable. They threatened legal action and hung up on me ; I tried to call back several times and have been hung up on before I can speak to anyone.
Consumer complaint received 2022-01-10
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: Nelnet, Inc. (MA)

This is a formal complaint that Firstmark Services is in violation of the law. I find that Firstmark Services is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; First Mark Services is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that Firstmark Services validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
Firstmark Services is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal complaint.
Consumer complaint received 2019-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

All three major credit bureaus XXXX, Transunion and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit  bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.  Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household. 

This consumer is putting XXXX, Transunion and XXXX   on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars
Consumer complaint received 2019-10-25
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. (SC)

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-10-24
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 AND INQUIRIES DOES NOT BELONG TO ME, I AM NOT LIABLE FOR ANY TRANSACTIONS MADE ON THOSE ACCOUNTS. BECAUSE OF THE NEGATIVE ITEMS IT HAS COST HARM TO MY CREDIT AND I'VE WORKED SO HARD TO TRY TO MAINTAIN A GREAT CREDIT SCORE. PLEASE LOOK INTO THOSE ACCOUNTS AND LOOK AT THE ACCOUNT NUMBERS PERSPECTIVELY AND HAVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to all the credit reporting agencies such as Transunion, XXXX and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the Director of XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Consumer complaint received 2022-11-07
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)

This is my second attempt and follow up to cfpb # XXXX complaint Experian still has not completed my dispute and disregarded supporting information in my dispute. Their response was Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported and the summary of the results were sent to you on XX/XX/2022. I sent my follow up complaint with supporting information regarding the dispute. There is no way possible that they overlooked my dispute and only removed addresses. Cfpb please monitor the complaint closely because theirs account information that does not belong to me and Experian is neglectful in removing the information.
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Bankruptcy Case Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (KY)

I have been attempting to get a Pay Off Quote from PHH Mortgage Company ( https : //www.phhmortgage.com/ ) for almost 4 starting on XXXX the XXXX, I contacted them and spoke with a rep who put in a request on XXXX the XXXX, I then contacted them on the XXXX to request a status as they had not faxed the loan they stated it would be another 24 hours. I contacted them again on the XXXX after not receiving the fax and they said it would be either that evening or tomorrow. I contacted them again on the XXXX, and advised it would be another 24 hours. I advised this was not acceptable and they explained that an internal department was delayed in processing. I then requested to stay on the line until this was resolved and spent the next 25 minutes explaining why I needed this quote this week and it shouldn't take 4 business days to process. The advised no matter what it would be another 24 hours which is what has been stated all week.
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX with from XXXX XXXX with XXXX miles on the odometer at time of purchase for {$23000.00}. Financing was provided by Capital One. The manufacturers warranty on the power train was spoken of as still effective till XXXX miles. All of the contracts that came with this purchase showed as is manufacturers warranty only. Further investigation shows that manufacturers warranty is only available to original purchaser. 

The vehicle developed an issue overheating and needed servicing on XX/XX/XXXX. We had the vehicle towed to XXXX XXXX in XXXX and had the diagnostics done. It originally was an issue with a cracked radiator cap and then the thermostat needed replacement. When these repairs were done they found gaskets needed replacement. This came to {$3800.00} total and took 2 months to get parts and then it was found that there were metal shavings found in the cylinders and that these would need replacement. This brought the total to {$6200.00} and once this work is done other problems may still be found. I contacted Capital One Auto Finance to see if we might be able to refince our loan I contacted XXXX customer service and put in an assessment for help with these repairs due to the young age of the vehicle and after a couple of weeks I was notified that there was no help available from XXXX XXXX. 

I am unable to find any way to pay for this repair and only see myself paying for this loan which is currently around {$16000.00} and selling this vehicle to a junkyard.
Consumer complaint received 2019-12-12
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: AMERICAN EXPRESS COMPANY (CA)

A charge from American Experess Travel for {$350.00} was canceled yesterday on XX/XX/XXXX. The representative stated within 24 hours of canceling the charge, it will roll-off the statement. That call should be monitored and recorded. 

Today, it posted onto my account. After being transferred three times, they stated their " system was under maintenance '' at XXXX PST. They were unable to find my canceled booking even though I have the confirmation email. 

The representatives did not help at all and now.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (VA)

I received a letter about a collection that I have no idea what it is about. They said the orginial Creditor it XXXX XXXX and XXXX. I have never had any type of debt with this entity. This is not a vailid debt and I already disputed this issue and last entity could not verify this account on XX/XX/2020. I have no knowledge of this collection and this must stop.
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Tromberg, Morris & Parnters, PLLC (NY)

XXXX XXXX and XXXX which is now called Tromberg , Morris & Poulin , PLC engages in predatory debt collection. The company has a history of predatory behavior against consumers and continues to engage in this behavior to create misery and havoc in consumers ' lives. 
The company has refused to remove a levy on my savings account despite the fact that concrete proof was sent to them indicating the funds are exempt from collection. 
The federal agencies and state agency that are supposed to protect consumers can not get involved since this predatory behavior is protected by laws that are against consumers and individuals with credit card debt. 
New legislation will probably be necessary to stop the predatory and unjust behavior by debt collection agencies such as XXXX XXXX XXXX and Tromberg, Morris and Poulin, PLC.
Consumer complaint received 2022-09-27
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate ad correct these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$610.00}
Consumer complaint received 2019-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.