davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (TX)

Received this gift card for {$200.00}. Attempted to verify the balance on their website and by phone over 10 times - each time told there is an issue or to try again later. There is no further escalation option on their site.
Consumer complaint received 2021-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (TX)

A company called Credit Management keeps calling me and asking me for personal information. They will not tell me why they are calling and won't provide any other information. I have refused to provide my personal information as I know nothing about this company and have never done business with them. They say I have an account with them. It appears they are a debt collection agency. I have zero debts outstanding and never have thus I know for a fact there is absolutely no way I have an account with them.
Consumer complaint received 2021-09-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX or IXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2021-09-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2021-12-16
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: EQUIFAX, INC. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-09-20
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: National Credit Adjusters, LLC (TX)

I submitted a complaint back on XX/XX/XXXX on National Credit Adjusters on a collection they are reporting on my Credit Report of which I asked for validation on through Certified Mail on XX/XX/XXXX and it was received according to receipt on XX/XX/XXXX. By XX/XX/XXXX I sent a failure to respond letter because it was past 30 days of no response and that letter was received on XX/XX/XXXX. I still had not gotten the collection removed by XX/XX/XXXX so I filed a complaint with you guys of which National Credit Adjusters still did not removed after receiving my complaint which due to the fact that they had not responded in the time that the Law states then it should have been removed. What they chose to do is upload a statement to my complaint with you guys which is still not validation of the supposed debt owed. All that shows is that there is a balance owed not that I owe the debt, there was not a signed contract or any definitive proof that I owe the debt because I don't. At this point I am filing another complaint because National Credit Adjusters are refusing to remove the debt when they have not followed the laws permitted to me by the FCRA. I have attached what they uploaded to the previous complaint so that you ( CFPB ) can see that they have not proven the debt is owed by me and also so that you can see that they did not respond within the 30 days allowed by law. If I first sent the debt validation letter on XX/XX/XXXX and it was received on XX/XX/XXXX and my complaint was filed with you guys on XX/XX/XXXX that is well over 60 days which by law means they have to remove the collection. Then all they did was reply with a statement on XX/XX/XXXX which is still well over the time allowed by law and they stalled all the way to XXXX and just sent a statement! This account needs to be removed from my credit report immediately National Credit Adjusters is breaking the law and if I have to retain a Lawyer I have the proof to show that they have broken the law. I have all of my certified receipts I have both documents that they sent me the one letter stating it would take longer than 30 days which is a stall tactic and not legal and the statement that they uploaded to your site which is not proof of debt owed and does not validate that I owe it then I will do so at this point. National Credit Adjusters needs to remove this account IMMEDIATELY or I will be forced to take further action.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

Via XXXX, I have disputed on numerous occasions false debt and false addresses tied to my credit report. On XX/XX/2021, and XX/XX/2021, XX/XX/2021, and XX/XX/2021 I have disputed the debt collection of XXXX usd from XXXX XXXX  / SUNRISE CREDIT SERVICES and it continuously shows up on my XXXX credit report. These issues have been resolved via XXXX and XXXX but XXXX still can not seem to understand how they have mistakenly allowed SUNRISE CREDIT SERVICES ( acct # # # # # # # # XXXX ) to falsely tie this XXXX XXXX  account to my name, which I have no knowledge of. 

My credit score is nosediving by over 100pts due to no fault of mine.
Consumer complaint received 2021-09-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As ofXX/XX/2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XX/XX/XXXXXXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

Mortgage escrowed our insurance and property taxes breaching contract which stated it was not to be escrowed. Did not notify us and it took me over 9 months to clear up but when it wasnt I decided to have them leave the escrow and now refused to help
Consumer complaint received 2022-01-05
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: Trojan Professional Services, Inc. (NJ)

Trojan Proffessional Date : XX/XX/2022 RE : Alleged debt of {$41.00} To Whom It May Concern : I have not received your attempt to validate the debt regarding the alleged {$41.00} debt reporting on my consumer report. I must inform you that you have failed to validate this debt. Your office hasnt sent any portion of what appears to be acceptable documentation so you have not yet provided sufficient evidence, per the FDCPA and as required, that this alleged debt is accurate and mine. 

You DID NOT SEND : Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX USCA-02-C-0072 Proof of my identity Proof that Trojan Professional owns this debt or the Contract giving you power to collect Proof that this debt has not been written off as a tax liability In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did. 
As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. 
For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. All future communications with me must be done in writing for tracking purposes and sent to the address you have on file. 
Thank you and I look forward to your resolving this mistake most expeditiously. 

Consumer, XXXX cc : FTC ; U.S. Attorney General ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; Consumer Reports
Consumer complaint received 2021-09-20
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: Credit Corp Solutions Inc. (TX)

I have disputed a collection from Credit Corp Solutions a total of four times to XXXX Credit Bureau stating this account does not belong to me. My 4th dispute sent via certified mail, XXXX received it on XXXX/XXXX/21 at XXXX. On XX/XX/XXXX2021 at XXXX XXXX notified me via email that my dispute was open. On XX/XX/XXXX21 at XXXX, just a few hours later I received an email stating my dispute results were ready to view. I reviewed my credit and my score dropped even more. Credit Corp Solutions reported to XXXX the beginning balance was {$8500.00} to {$8300.00} in the month of XXXX as if a payment had been made to them which is absolutely absurd. I have never made a payment to this company nor ever had an account with this company. There is not an inquiry on my credit report to support Credit Corp Solutions accusations. I submitted my credit report to show proof from other bureaus that my credit worthiness is outstanding and that there are no collections, {$0.00} balances on every account that I pay in full monthly and never late on my report. This collection has hurt my score tremendously. XXXX has failed me as a consumer. There absolutely was no investigation and XXXX Credit Bureau never verified this dispute that was submitted over 90 days ago. My dispute letters to XXXX are as follows : XX/XX/XXXX21... XXXX/XXXX/21... XXXX/XXXX/21... XXXX/XXXX/21. XXXX has 30-45 to verify but yet my disputes were closed in less than 30 days. No investigation nor verification by XXXX Credit Bureau.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (OK)

I not only dispute the debt validity because the debt originated from internet service I was not able to receive because of a defective device but two different statements clearly show a final balance of {$200.00} - NOT {$520.00}. 

XXXX turned over my account to Amsher collections & I responded immediately to dispute the legitimacy of the debt & uploaded my dispute to Amshers website. But Amsher Collections submitted my account to the 3 credit reporting agency anyway, for more than twice the amount.

I had an " Excellent '' credit score on my credit reports until this debt arising from a dispute over the validity of this debt. It stands to reason that it would be a conflict of Amshers interest to give me a favorable ruling because they get revenue from collecting XXXX unpaid accounts. Amsher then extorts people like me to either pay up or they will hurt my credit.

Please help me to get my Excellent credit rating back because the way this matter is currently being handled is tantamount to extortion i.e. whether I actually owe a debt or not is not relevant and if I dont pay them, they will tarnish & keep tarnishing my excellent credit score by making it appear the debt collections is for a valid & ligitimate debt.
Consumer complaint received 2022-01-14
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. (TX)

I have contacted Experian a lot of times with mail and phone calls letting them know that my identity information had been stolen and that someone has been using my information. I also filed identity theft fraud with Experian, FTC and the police and sent all of the paperwork to Experian showing proof that i am a victim of identity theft. Experian has not removed the accounts i reported to them and proved to them of the fraud. Experian is not willing to remove the fraud accounts even with identity theft report submitted to them. Because of Experian ignoring all request that they demanded to prove identity theft from me I am unable to provide for my family. I was rejected from a job offer due to Experian not honoring their requested identity theft steps, which i sent them. I am also unable to financially support my family because of inaccurate information Experian is reporting because i can't get a job, apply for a loan are anything else thats needed to live because of Experian.
Consumer complaint received 2022-01-15
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. (OH)

I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a XXXX and XXXX Late pay the is showing on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681sXXXX ; 12 CFR part 1022, subpart EXXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.