davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (AZ)

This account has been settled in 3 payments, which continental finance agreed to for the settlement. The last payment is being made next month, but they still keep reporting it derogatory/delinquent. I continue to dispute it, and nothing changes.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I was alerted to a high impact item on my credit report by XXXX XXXX. The item was listed by a Cavalry Poftfolio Services. It  claimed to be an account from XXXX XXXX  with an open balance of {$2300.00}. As there was no identifying information given about the account I disputed it. I was then simply told that XXXX had verified the debt. Well how can you verify a debt with no account number? So I went directly to XXXX and disputed their finding. Since there was no account number how could they verify the debt? I also asked for ALL of the legally required ( both federal and state of new york ) documents to prove that Cavalry Portfolio had any legal right to this alleged debt. 

Today XX/XX/2020 I received a packet from Cavalry Portfolio. Inside was a statement that they believed this account to be past the Statute of Limitation, That it was alleged to be an account with XXXX and alleged monthly statements for said account. 

What I did not receive was ANY of the requested legally required documents to prove that Cavalry Portfolio has any legal right to said debt. This would be something like a legal document known as a bill of sale along with a statement from the alleged owner of the alleged account that specifically mentions this alleged account was sold to Cavalry Portfolio.

Yet with no proof of ownership Cavalry Portfolio has managed to do direct damage to me on my credit report and XXXX has claimed this alleged debt was " verified '' by them and they allowed said damage to continue. 

No party should be able to do direct financial damage to any individual by claiming they own an account that they can apparently not prove or provide proof of ownership of as requested. 

I will include a screenshot from XXXX XXXX to show the lack of information and why I disputed this listing. Also why I would wonder how you could " verify '' it with the information provided in that listing. I did not include any of the pages that Cavalry Portfolio sent to me as none of them were what I asked for. In other words a legally recorded/witnessed Bill of Sale and the  other required documentation with direct mention of this alleged debt.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Penfed closed my account and kept my funds without informing me. 
I called and wasted many hours on the phone with them but they could not provide any information on when they closed the account and what they did with the money. 
When they couldnt find any information, they simple lied to me saying that they " should have '' sent it to XXXX XXXX XXXX. I have been checking with the XXXX XXXX XXXX XXXX site for these funds and there is nothing there. 
They also said that they " should have '' sent me a letter regarding this when they had no proof or documentation or even the date for when this imaginary letter was sent.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2019 I settled my student loan debt for debt XXXX : XXXX & XXXX. I have a letter from XXXX XXXX XXXX that states that this account was considered " settled in full ''. In both XX/XX/2019 & XX/XX/2019 the credit reporting agency reported this debt as a collection and unpaid and it has dropped my score. I am in possession of proof of this amount coming out of my account in full on XX/XX/2019 ; I have a letter dated XX/XX/2019 stating that this account is paid in full. 
This derogatory information is preventing me from buying my first home. I respectfully request your help in updating the derogatory information and the inaccurate late payments for XXXX & XX/XX/2019. 

If you require any documentation as proof of payment or a copy of the letter showing proof of payment, please let me know.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-07-17
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: Kingston Data & Credit International Inc. (FL)

Ive called kingston Data and Credit and Ive also called XXXX XXXX about the amount of {$950.00}! 

In XXXX I went one times to XXXXXXXX XXXX with a friend and was told I could be a free member being Im going with a friend who is already a member! They told me I had to sign paper work so I can have a key of my own if my friend didnt go! I never got any payments or saw any written paper work saying I was going to have to pay or I would have! So Ive written letters to dispute this charge twice once In XX/XX/XXXX and second one In XXXX, XXXX and still havent gotten no letters back from XXXX XXXX XXXX XXXX! I would like to take this charge off my credit since Ive made effort to take this off my credit! I have even called and reached out and keep getting told I need to call a number and when I call a number nobody answer!
Consumer complaint received 2022-07-17
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 (CA)

XX/XX/21 I submitted a request for Lexis Nexis Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Hi I am writing this complaint against XXXX  and Equifax. XXXX  and Equifax both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX   and XXXX. 
I have also attached my ID so XXXX  cant falsely say I hired someone to dispute these for me. 

I also want XXXX  to know I have filed a complaint with the Attorney General Office and my next step is litigation
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION (CA)

I was a victim of identity theft XXXX XXXX XXXX two acount, Bbva Compass bank /XXXX XXXX XXXX two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the  Attorney General XXXX XXXX. I wrote to the XXXX XXXX I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. 
Last but not least Bbva compass bank / XXXX XXXX XXXX I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NV)

XXXX XXXX XX/XX/year> LVNV Funding XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute and Request for Issuance of XXXX Form Dear LVNV Funding LLC, I am writing to formally dispute your refusal to provide a 1099-C form in connection with the debt account referenced under my Social Security Number ( SSN ). As a consumer, I have the right to proper documentation and transparency concerning any debt-related activities involving my personal information, as stipulated under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ). 
It has come to my attention that my Social Security Number was used without my explicit consent for the sale of the aforementioned debt. This is a violation of my consumer rights. I urge you to review the following points and reconsider your response : 1. FCRA Compliance ( 15 U.S.C. 1681 et seq. ) : Under the Fair Credit Reporting Act, consumers are entitled to fair and accurate credit reporting. The sale or transfer of a debt associated with my Social Security Number without providing proper documentation, including the 1099-C form, constitutes a breach of these protections. 
2. Consumer Protection under UCC ( UCC 9-210 ) : According to the Uniform Commercial Code, I have the right to request and obtain adequate assurance of the debt obligation, including a detailed accounting and the issuance of relevant tax documents like the 1099-C form. Failure to provide such documentation can be deemed as non-compliance with UCC requirements. 
3. Unauthorized Use of Personal Information : The unauthorized sale or transfer of debt involving my Social Security Number without my explicit consent is a serious breach of my privacy rights. This action necessitates a thorough investigation and immediate correction, including the issuance of a 1099-C form. 

I request that you : 1. Issue the 1099-C form immediately to rectify this situation.

2. Provide written confirmation of the issuance and any other relevant documentation.

3. Cease any further unauthorized use of my personal information in compliance with federal and state laws.

4. Remove from credit report along with the address this is being reported from Failure to comply with these requests will leave me no choice but to escalate this matter to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), for further investigation and potential legal action. 
I expect your prompt response to this matter within 30 days from the date of this letter. Please direct all correspondence regarding this dispute to my address listed above or my email address. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (VA)

My wife and I closed on a second home in XXXX, Texas on XX/XX/2020, with Guaranteed Rate , Inc. The dwelling structure is not in a flood plain. However, part of the backyard is in a flood plain. I have emails from two different employees at Guaranteed Rate, stating that flood insurance was not required since the dwelling structure was outside of the flood plain. 

Now, 6 weeks later, Guaranteed Rate, is demanding that I purchase flood insurance or else they will purchase a policy for me. I contacted their Customer Service Department, by phone, and spoke with a person named XXXX. XXXX basically told me there was nothing she could do, that I needed to contact my insurance agent and/or XXXX to see if the flood map had changed since closing. It has not changed. 

There was no closing instructions requiring a flood insurance policy. In fact, in the notes of the Standard Flood Hazard Determination Form attached, it specifically states that flood insurance is no longer required. I think it is dishonest and may violate RESPA because my closing costs will change dramatically due to Guaranteed Rate unilaterally changing the terms of our contract. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Cell
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, I the victim of the fraud, am requesting that XXXX XXXX XXXX, according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and l am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

Hello, On XX/XX/XXXX I mistakenly sent a XXXX payment of {$1000.00} to the wrong recipient XXXX XXXX XXXX ) XXXX. I immediately contacted her and let her know that I mistakenly send her the funds and if she could please return them. She said she opened a case with TD Bank Case # XXXX. I also opened a case with my bank XXXX Bank XXXX number : XXXX. XXXX says the funds are not in her account, and TD Bank is in possession of the funds. XXXX claims they have been unsuccessful in retrieving the funds. I called TD Bank to sort out the recovery of the funds, but they are unwilling to assist. The recovery ID on TD Bank is XXXX XXXX Any intervention will be greatly appreciated. Thank you
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting ace XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2020-06-23
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. (GA)

XXXX XXXX XX/XX/2018 Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX Account : XXXX XXXX  XXXX Inquiries : Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX XXXX Balance : {$350.00}.