davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (PA)

Im 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. 

XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the collection account listed under XXXX. XXXX, XXXX, as it appears in my credit report. Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I have a legal right to request and be provided with specific documentation and proof to validate this debt. I have made multiple requests to XXXX. XXXX, XXXX for such documentation, yet they have failed to provide sufficient evidence to validate this debt. 
On XX/XX/year>, I sent my first letter requesting validation of this account. I followed up with a second letter on XX/XX/year>. Despite these requests, XXXX. XXXX, XXXX has not provided the necessary proof to support the legitimacy of this debt. As a result, I am requesting that Experian remove this account from my credit report under the XXXX XXXX XXXXXXXX XXXX XXXX. 
Specifically, XXXX. XXXX, XXXX has failed to provide the following : a ) Proof that they are licensed or legally authorized to collect debts in the state of XXXX. 
b ) Proof of their bonding agent in case I need to seek legal counsel. 
c ) Proof of their authority in the collection process ( e.g., debt buyer, XXXX party ). 
d ) Proof that the original creditor authorized them to collect the debt on their behalf, including the name of the original creditor and the delinquency date. 
e ) Proof of any agreement or signature ( WET SIGNATURE/INK ) between XXXX. XXXX, XXXX and I, XXXX XXXX XXXX, related to this alleged debt. 
f ) The Master Bill of Sale related to this debt. 
g ) The agreement granting them authority to collect the alleged debt. 
h ) Proof that they sent a XXXX XXXX to me, which is required prior to reporting this collection to any credit reporting agencies. 
i ) A formal declaration, notarized, swearing to the truth of the facts, confirming firsthand knowledge of the matter.
Consumer complaint received 2021-01-22
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. (NY)

I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MO)

My son sent me a Visa card for {$75.00} issued by US Bank. He purchased it at a Kroger store in Georgia on XX/XX/XXXX, the the store # is XXXX. I saved it till spring of this year, as I wanted to buy new lawn chairs. 
I went to XXXX XXXX XXXX in XXXX, Mo. on XX/XX/XXXX and it was declined twice. As I researched, I found out other people have had the same problem. I called the number on the back of the card, and was told I had to go to their web site to register the card. As I filled out all the info, including Name, Address, Phone Number, and Drivers License. The web site just sat there and did nothing. I did this several times including calling. I had my daughter try, and she did several times and called, to no avail. I am at my wits end, as this is XXXX XXXX dollars. I am sure this is a scam, and hope this notification helps others in the future. How can US Bank/Kroger do this, and how can you help. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

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. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX Account Number : XXXX Bal : {$340.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-11-29
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. (TX)

On XX/XX/XXXX I filed a complaint about XXXX XXXX XXXX showing a late payment on my Experian Credit Report. I received notice that XXXX said they are submitting the correct information and are not showing any late payments. Experian says they are reporting the information they received. Regardless, today I received notice that Experian has resolved the dispute and deleted XXXX XXXX XXXX XXXX from my account. I DID NOT DISPUTE THIS ACCOUNT, AS IT IS A NEW AUTO LOAN. I did dispute XXXX, please correct the deletion of a perfectly legitimate account that I did not dispute. XXXX  XXXX acknowledges the account, as do XXXX and XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.
Consumer complaint received 2024-10-09
Product: Credit reporting 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. (NY)

I have four unrecognized inquires on my credit report. i want them to be removed and find the person that is doing said false opening of credit card accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting 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. (PR)

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Certified Credit Reporting - XX/XX/XXXX Commercial Equipment Fin - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Our mortgage was sold to Roundpoint Mortgage company in XXXX 2021. Our property tax and insurance are in an escrow account and should be distributed to the county and insurance company when due. 

Our insurance premium for the year was due on XX/XX/XXXX and Roundpoint should have paid that bill from our Escrow account. On XX/XX/XXXX we received an Expiration/cancellation notice from our Insurance company because they hadn't received payment. At that point I reached out to Roundpoint asking why this hadn't been paid and asked them to get back to us as soon as possible. I've sent several emails to Roundpoint over the last ten days and the only response I'm receiving is an automated reply.

I went ahead and paid the insurance premium directly so we wouldn't have a lapse in coverage on our policy.

Nobody at Roundpoint will get back to me.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

Was involved in class action suit for security breach of personal account information and Equifax was to provide all those affected free credit monitoring service in accordance with the class action settlement. I still do not have free monitoring on my account.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-09-21
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: LEXISNEXIS (NC)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute and Request for Validation of Alleged Debt Account Number Ending in XXXX Original Creditor : XXXX XXXX XXXX 

To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe, related to an account with Capital XXXX N.A. and identified by account number ending in XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), I am requesting that you provide sufficient evidence to validate this debt, as well as detailed information substantiating your right to collect it in the state of Pennsylvania. 

To validate this alleged debt, please send the following information : Original Contract or Purchase Agreement : A copy of the original contract, agreement, or purchase documentation from XXXX XXXX XXXX. that created this alleged debt. 

Proof of Chain of Ownership and Assignment : Documentation verifying the complete chain of ownership, including proof of assignment for each transfer of this debt from the original creditor to XXXX XXXX XXXX. 

Full Accounting History : A complete accounting record from the original creditor, detailing the date, amount, and application of each payment, fees, and charges. Please include the date of the first delinquency and any relevant payment history leading to the collection.

Proof of Collection Authority in Pennsylvania : Verification of your legal authority to collect debts in Pennsylvania, including a copy of your third-party debt collection bond, as required by Pennsylvania law XXXX 

Proof of Compliance with Required Notices : Evidence that you sent the legally required debt validation and collection notices to me prior to reporting this alleged debt to any consumer reporting agencies. 

Until these materials are provided, I request that all collection efforts cease, including any reporting of this debt to consumer reporting agencies. Reporting unvalidated debts can constitute a violation of 15 U.S. Code 1692e, which prohibits misrepresentation in debt collection. 

If you are unable to provide all requested documentation, please immediately remove this account from my credit reports and cease any further collection efforts. 

Thank you for your prompt attention to this matter. I look forward to receiving your complete response in writing within 30 days.
Consumer complaint received 2022-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (OH)

I have been contacted by XXXX repeatedly, every week for four years. I had a vehicle that I leased through XXXX for four years. I completed the lease in full and returned it successfully with no monies needing to be paid as the car was in good condition. 

XXXX has called me every week, several times a week, EVERY week since about six months after the lease was concluded. 

About two years ago, told that that I did not owe the monies and that if they wanted to communicate with me, to do it through the mail. They sent one letter, then resumed their calls. At this point, they have called me a estimated minimum of 400 times, literally 400 times over a four year period. Ive told them that I dont owe the debt but they keep calling. 

Please let me know what I can do to stop this. I can not believe a former creditor is allowed to harass me to this extent, particularly when I have completely fulfilled the lease obligation. I have reached the poinXXXX where seeing their number come up is making me sick. 

I can obtain phone records to substantiate the frequency of their calls if needed. 

Thank you for any help you can offer. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-18
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. (IL)

My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : 1 ) XXXX XXXX XXXX XXXX Acct # XXXX account dates are different on XXXX XXXX XXXX and Experian, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on two of the credit bureaus. And one doesn't have an amount listed even close to the other two. This is completely inaccurate and should have been removed or updated within 30 days. 

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I contacted Fay Servicing on the XXXX of XXXX to make my monthly payment and they are refusing to take the payment. I followed up with account manager on the status of the loss mitigation application and the exact amount of payment that is acceptable and she will not respond at all. This lender is trying to further show that I am not making payments by not taking my payments. What law allows this?
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Franklin Collection Service, Inc. (FL)

The XXXX office at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX open a account for me. I saw with my XXXX   XXXX  app 1 hour after that they check my credit score to do some operation. I told to them that I don't want any credit and want to pay all in full. So I was going back to the office 3 hours after and cancel all the process.But they don't care and I saw 1 month latr that the account still opened without use the service by myself. 
I call the customer service told me that they is no problem and they will cancel everything.

Few month later I receive a call to pay a invoice, I explained again and now they put a Derogatory marks on my credit score for {$100.00}.

Again I never have the service and never use XXXX  service, so please help me that their people respect the laws.

Thanks
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the 30 days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.