davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ref XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account XXXX 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 an account without my written instructions.
Consumer complaint received 2021-04-21
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. (NC)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Consumer complaint received 2020-11-29
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: National Credit Adjusters, LLC (AZ)

Nca opened TWO collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Nca has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Nca. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Notice for Proof of Claim Account : XXXX  ACCT # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-21
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. (TX)

I recently disputed these account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature to see if there is a private law of action. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation. 

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these five unverified accounts as of today.
Consumer complaint received 2018-11-08
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: Experian Information Solutions Inc. (OH)

Countless, time after time I have asked Experian to investigate not verify these accounts that are on my credit report. I keep getting the same old message that the accounts have been verified. XXXX is not a form of investigation. I have numerous accounts that have been opened in my maiden name. I been under XXXX for 23 plus years and still remain XXXX presently. I have reached out to the creditors asking to send me a signed credit agreement with my signature showing that I agreed to these erroneous accounts. There is also bankruptcies that Experian states was verified but I know is not true because bankruptcy do not report to third parties nor do they give out information via phone. Experian has constantly told me they will not reinvestigate my disputes which is against the law. Accounts have been removed and put back on without valid investigation. I have sent in I D theft affidavit, I made a police report years ago back in XX/XX/2012. I am at my wits end with Experian thinking they can do as they please. Experian has had massive data breaches and was never told. No one consumer should have to endure this foolishness with these credit reporting agencies, especially when the burden of proof is on them. Consumers cant provide any paper work or contracts if there was never one signed. Online credit applications should be banned unless proper identification is mailed in. XXXX XXXX and XXXX XXXX need to be removed. Till I can get this I D theft situation resolved and all these accounts with the last name of XXXX removed these accounts are : XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, both total accounts, discover was removed and put back on without my investigation, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX. Please do not close my case and send a duplicate letter stating Experian is handling this situation. I have tried to resolve this with Experian and this is my last attempt before filing a lawsuit. I dont need cpfb to be the middle man I need cpfb to fix the situation asap for this is damaging my score tremendously. While disputing these accounts need to be removed by law. Do not put anything in my REMARKS column unless I authorize it. That is for the consumers!
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To Whom this May concern, I am contacting you regarding some discrepancies with my credit report concerning my address and telephone numbers. I would like the following addresses to be removed:XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX XX/XX/XXXX I am also need the following numbers removed from my credit report : ( 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 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (OH)

I called the bank informing that my job was terminated and I am waiting to receive money from unemployment. The rep said that there was nothing they could do unless it was a few days before my next payment was due. I asked if we could set up an arrangement so that my credit stays in good standing. She said that " you're account is on current and on track, and there is nothing we can do unless payments default and we report it negatively to the bureaus. '' I thought that was wrong because my account had to be in a bad standing before they would assist me or give me options.
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (MD)

I called the number on my statement 3 times. The first 2 times, there was no one available to answer my questions. I asked for someone to call me back and that never happened. The phone is answered by people who seem young and uneducated as to the nature of their job. I know companies these days like to hire young inexperienced people who they don't have to pay. So maybe that's why. I remember when companies had integrity, What a shame. 
Yesterday, XX/XX/2021, I spoke with a woman named XXXX who ended up hanging up on me while I grew increasingly frustrated by her non-sequitur answers after being on hold for 20 minutes, waiting for what ended up being not only NO help but further stress and confusion. She did not know if extra payments were applied to principal or interest. " It depends '' was her answer and she seemed to suggest that a few late payments were responsible. I had handled those late fees by phone when they happened. I'm sure a few late days did not eat {$900.00} The issue : Additional payments were made on my account totaling {$900.00}. Nevertheless, I still owe the full payment as if I made no additional payments over the course of the loan. I only have 2 months left on the 60-month loan and when I re-calculated an amortization schedule, It shows that I owe next to nothing ( {$5.00} ) for the last 2 months, which makes more sense than the balance shown on my statement owed- which is {$680.00}
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 LVNV FUNDING LLC PO BOX XXXX XXXX, SC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Best Regards, XXXX XXXX
Consumer complaint received 2021-04-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EUSTIS MORTGAGE CORPORATION (TX)

I am a XXXX with XXXX XXXX filing this complaint on behalf of my client, the buyer, XXXX and XXXX XXXX. 
We received our executed contract on XX/XX/2021. The Loan officer, XXXX XXXX XXXX, was involved days leading up to the executed contract as expected. Closing was set for XX/XX/2021. The house was a manufactured home that needed to be retrofitted for the appraisal. The seller had limited funds so the retrofit company agreed to be paid at closing from seller, but needed an appraisal done on the property first. We knew this information on date of offer acceptance, XX/XX/2021. The appraisal was not ordered until XX/XX/2021 with no rush order attached. Myself and listing agent XXXX XXXX raised our concerns about this and asked for a rush order. XXXX refused to put in the rush order, saying it was the sellers fault for not having the property retrofitted prior to listing. I tried paying for the rush order myself, only to find out that I couldn't. XXXX would then refuse to speak with the listing agent and put me in the middle of communications. On XX/XX/2021, the appraisal had still not been picked up or scheduled, and the file had still not been worked appropriately, so we had to fire him and move to a different lender. 
XXXX then called me, and asked me why we were going on with a different lender. He had been condescending and rude to me and the listing agent and disrespectful to my clients by talking about them rudely to me. I told him that the appraisal was an issue among the communication and unprofessionalism and he said to me, " Well I will make sure to put all this back on their credit, and good luck closing it. '' and then hung up on me. He then proceeded to email my client with the email and text message that I will attach. 
My client called me crying asking me if he could do anything to them to cancel this deal. She had no concept of what was happening in this loan process and the new loan agent told me that there was still three weeks worth of work when we were set to close within 10 days. 
Please let me know if you need any more information.
Consumer complaint received 2021-10-06
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: Credence Resource Management, LLC (NJ)

I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

On XXXX, 2020, paypal took the money from my paypal account, the amount is $ XXXX. They says the funds will be on hold for 180days when they put a limitation on my account, but when I checked my account recently, I noticed the money was gone, it was taken by paypal already, and I, as the account holder, don't know it at all. They took money from users without authorization from its users, which is unacceptable. I wish you can help me to solve this issue. I don't think I did anything wrong when I was using paypal, and I got so disappointed about this company. The email linked to my paypal is XXXX XXXX
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

This complaint involves a medical bill listed as a collections account on my credit report for which I had insurance coverage, both primary and secondary insurance companies. It is for services rendered on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX, CA, from the provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bill is now with a debt collection agency, Grant & Weber, at XXXX XXXX XXXX XXXX, XXXXt XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX listed on my credit report with an account number XXXX, and a file opened XX/XX/XXXX. The agency is attempting to collect payment for this medical bill that neither the provider or agency will collect from the insurance carriers. The provider claims they never submitted it to XXXX and are unable to do so now. The agency claims I owe this debt and they continue to increase the amount. The provider claims it has no details on the original amount, but it appears it is far less than what the debt collection agency is submitting to the credit bureaus. The agency lists the amount due as {$4000.00} and lists an " original loan amount '' as {$3000.00}. Moreover, this is not a loan. This is a misrepresentation. Further, I have disputed the amount with the credit bureaus to no avail, as the agency continues to respond back to the bureaus that it is a verified debt after I have made several pleas to the provider and agency to cease reporting it as so as it is a medical bill covered by insurance. My XXXX XXXX XXXX XXXX is primary and XXXX XXXX is secondary. This collection account continues to bring my credit score down causing me a great deal of financial distress.
Consumer complaint received 2021-04-21
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)

There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX