davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2022-06-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title. 
( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure. 
( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ). 
I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither Transunion, XXXX, nor XXXX can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule. 
15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2022-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I was in a car reck in XX/XX/XXXX My car was totaled out and pulled to a wrecker. When I went to get my car. It was gone. They sold my car with out my knowledge and I had gap and liability insurance on my car. insurance. I spoke with the agent and she was a smartty and rude and could not give me the information I ask for and that was documentation that they claimed to have sent me. Now seems every other month they update to my credit report that I voluntary gave them my car and I did not give them my car. I tried to get my car and they pulled it from the wrecker office. 
Then I find out that they have been sued for fraudulent activities. 

CREDIT ACCEPTANCE CORP has flagged your account as Voluntary Surrender on XX/XX/XXXX.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CO)

I called the XXXX today with the citation nbr as # XXXX and asked them to set up an auto payment to take my money out every XXXX automatically. The XXXX did charge me for the ticket that was old, so old... for about {$XXXX} or {$XXXX}. Dont quite remmy the exact but it was way low. I asked them to send to arrange an XXXX XXXX XXXX  interpreter but they never did arrange XXXX. I called before the XXXX date and learned they did not get an interpreter. I told them to reschedule again and get an interpreter. They did not and instead ... they added more amount to the ticket. It is now {$XXXX}. After I left XXXX in XXXX. I moved out of XXXX to XXXX then XXXX then XXXX because of jobs. I ALSO was XXXX for a while in the past... had no money to pay. Now I earn {$XXXX} per XXXX but I have all other bills to pay like truck note, space rental, etc. So can not pay full amount. I asked them to set up an auto pay and take my {$XXXX}. They office staff wont accept it and will keep the warrant. I already OFFERED THEM the auto pay to take my $!!!
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Subject : Formal Dispute and Conditional Acceptance of Account Resolution Dear CFPB, I am writing to file a complaint against Capital One regarding an endorsed remittance coupon, a billing dispute, and account closure. 

On XX/XX/year>, I submitted my payment using the remittance coupon provided with my statement. Despite following the correct procedures, my payment was not accepted, and my account was closed without any prior notification or explanation from Capital One. 

Following this, I sent a notice of default to Capital One on XX/XX/year>, and a pre-arbitration notice on XX/XX/year>. Despite receiving the green return receipt slip, Capital One 's customer care team has informed me that no such correspondence has been received. 

Capital One 's failure to process my endorsed payment constitutes a breach of federal laws, including : 15 U.S.C. 1666 The Fair Credit Billing Act ( FCBA ) : Capital One is required to properly credit payments as endorsed and delivered according to the statements instructions. Their failure to do so amounts to a billing error under the law.

Uniform Commercial Code ( UCC ) Articles 3 and 4 : The negotiable instrument I provided is endorsed under the UCC, which governs commercial transactions. By failing to accept and process the negotiable instrument, Capital One is in breach of UCC regulations.

15 U.S.C. 1692f Fair Debt Collection Practices Act ( FDCPA ) : If the refusal to accept the payment was an attempt to charge additional fees, it may be an unlawful attempt to collect a debt in violation of the FDCPA.

Consumer Protection Laws : This refusal, after I complied with their instructions, violates general consumer protection laws, including the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ).
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C. (KY)

In XXXX I broke a residential rental lease with XXXX XXXX in XXXX, KY. I was told to do you I had to pay one month 's rent as a penalty. I did so. I was then told it was two months. I told them that was not what I was told upon leasing and I moved. Three years ( late XXXX ) later I attempted to rent an apartment and found that XXXX XXXX had reported their purported debt on my credit report. I had to get a co-signor to rent at that time. During the following years, I hired a credit counselor to handle this issue. The counselor could no longer find XXXX XXXX as they sold the apartments and are no longer in existence. Now, in XXXX, I am again attempting to rent an apartment and this invalidated debt is still on my credit report. I hired an attorney to attempt to find the proper party. It was determined that an attorney in XXXX, Georgia, XXXX XXXX claims to have purchased the debt. His employee, XXXX XXXX, contacted me and told me that I can play the debt with her. I asked for this in writing and she refused, stating that their office does not put anything in writing. I asked her how I could be protected by a verbal agreement. She stated that she would not lose her license for such a small debt. I then contacted the XXXX  XXXX XXXX and was told that XXXX XXXX is not a licensee. I am also filing a complaint with the XXXX at this time. My attorney, XXXX XXXX has attempted to contact XXXX XXXX for over two weeks. Attorney XXXX has emailed a release to be signed upon payment and XXXX XXXX refuses to reply. Myself as well as my attorney have asked for the documents to prove my debt repeatedly. XXXX XXXX 's employee indicated they have never had such information and will have to request that information. I have yet to receive anything. I am being held XXXX by his refusal to act. A quick check of the XXXX XXXX XXXX website will show that this office conducts itself in this manner as a course of business. Please advise as to any and all remedies available.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (CA)

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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to formally request the removal of an inaccurate credit inquiry from my credit report. Specifically, I am referring to the inquiry dated XX/XX/2024, which appears to be listed under my credit report. 

Upon reviewing my credit report, I noticed that this inquiry was made without my authorization. I did not apply for any credit or authorize any transaction with Capital One on the specified date. As such, I believe this inquiry is incorrect and may have been made in error. 

For your reference, here are the details of the inaccurate inquiry : Date of Inquiry : XX/XX/2024 Inquiry Reported By : Capital One I kindly request that you investigate this matter and remove the inquiry from my credit report as soon as possible. I have enclosed a copy of my credit report highlighting the incorrect inquiry for your reference. 

Please confirm the receipt of this request and inform me of the steps being taken to correct this issue. If additional information is needed from my end, please let me know.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (NY)

i requested validation from Eastern Account System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX of XXXX via certified mail, They did not responded to my request. Eastern accounts is in violation of Fair credit Reporting Act 623-b and violation of the Fair debt collection Practices Act Section 807-80. They have Negligent Enablement of identity Fraud as well as Defamation. As of XX/XX/XXXX this debt continues to be reported negatively on my consumer credit report. I will also be filing a Small claims court case for damages
Consumer complaint received 2021-11-01
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: Monterey Financial Services LLC (TX)

Monterey Financial SVC has listed my personal information on all 3 credit bureaus without my consent. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Also 15 USC 1681 A you have to remove this negative item off of my report during your investigation. Please do not respond and tell me that the law not pertain to you. I am the actual consumer so my rights are very important to me.
Consumer complaint received 2021-09-27
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. (VA)

I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXXXXXX XXXX and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called Transunion and XXXX several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has 10 missed payments XXXX has 10 missed payments XXXX XXXX has 8 late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX US Bankruptcy Court
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct.

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail.

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported.

Best Regards, __________________________ XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I applied for a Loan Modification with Select Portfolio Servicing, Inc. ( SPS ), which was deemed complete as of XX/XX/2022, per the attached SPS correspondence dated XX/XX/2022. In said correspondence, it states that if any scheduled sale date is in place, SPS will contact the attorney to have the foreclosure sale postponed. SPS failed to reach out to their counsel XXXX XXXX XXXX to request a postponement of sale while the review of modification was taking place. 

SPS kept the sale date of XX/XX/2022, and denied the loan modification within 6 calendar days of saying the loan was complete. However, stated they would need roughly 30 calendar days to review. I am not convinced my loan was probably reviewed for all options. However, in the denial, it states I could consider a Deed in Lieu as an option and that I had an appeal period of 30 days before any sale would be scheduled, or conducted. It also states in the right to appeal section that SPS would again request a postponement of any scheduled sale date with their counsel XXXX XXXX XXXX. Once again this did not happen! 

However, SPS kept the sale date of XX/XX/2022, in the system, which should have been postponed after the complete loan modification package was received. Also, the sale date should have also been postponed for the appeal period. SPS failed to comply with their own correspondence and furthermore failed to comply with Federal law regarding the required time period before a sale date can be scheduled during the appeal period and once the appeal period ends. In addition, did not provide a timeframe to apply for the Deed in Lieu of foreclosure which they said I was eligible for. I am looking for the CFPB to provide justice so that I don't lose my home.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct.

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail. 

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported. 

Best Regards, __________________________ XXXX XXXX XXXX