davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and reported by XXXX, XXXX, and Experian. 

According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a. 

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I have a credit card with HSBC. Their advertisement even today on XX/XX/XXXX on their web site stating " Rewards with no limit or expiration ''. All my points worth {$910.00} as of XX/XX/XXXX are no longer there. I want the money back. Please help me
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (TX)

Prior Complaint Number : XXXX follow-up. As of XX/XX/2022, the company has yet to properly validate the debt and consumer has not yet received any such validation at consumer 's USPS address. This is a clear violation of the FDCPA and FCRA. Enough time has gone by for the company to validate this debt properly. I request the CFPB to hold the company in violation of the FDCPA and FCRA.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This complaint relates to complaint already filed and closed number XXXX in which I charged that Bank of America wrongfully closed my LAW FIRM TRUSTEE ACCOUNT without prior notice to me. The Bank of America responded by presenting false information to this Board by stating it sent me 2 notices dated XX/XX/XXXX, and then again on XX/XX/XXXX stating my account was inactive. I never received those notices, and I do not see any proof of mailing of said notices. However, I do have, and attach hereto, a notice from Bank of America to me dated XX/XX/XXXX stating " Action required. Please contact us to update your organization 's information by XX/XX/XXXX so you can keep your account ( s ) active. I completed the notice, which was 6 pages long. Option 2 on this notice says to " Fax the completed and signed form to us at XXXX in the U.S. '' I attach the proof of facsimile sheet dated XX/XX/XXXX at XXXX pm to the above referenced number.
Consumer complaint received 2022-04-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-07-14
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting, Dept. of EduXXXX XXXX  account # XXXX has violated my rights Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is this possible while they are still reporting 90days late then 120 days, then 120 days again and not even 30 days or 60days late how is these accurate. This is ground for removal.

15 u.s.c 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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. (MA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

When purchasing my home in XXXX XXXX XXXX, I made an over payment to the escrow of {$2600.00} due to an error made by US Bank home mortgage. I received letters from the bank stating a refund check was sent for this over payment, but have never received that check. I have been assured on 4 separate occasions, in XXXX XXXX  XXXX, XXXX of XXXX, XXXX of XXXX and in XXXX of XXXX that this payment was being sent to me. The bank now claims that there is an escrow analysis and they can not send the over payment until that has completed. They also stated that on all of the other calls in which I was assured this check was sent that their representatives errors stoped it from being sent. 

Considering I have been owed this refund, and attempting to collect this payment for the last year, this would seem unethical, and not in fair dealing. 

I am not getting any interest on these funds and have been lied to or facts have been misrepresented on many occasions for the past year about this issue. I went as far as filing a complaint with USPS after assuming they ( US Bank ) had sent it again and it still wasnt delivered. Today, the representative told me they still had not re-sent the check in any of those instances, and now could not send it since the escrow analysis was pending again.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-10
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. (PA)

XXXX XXXX is showing up as a derogatory account on my credit report, this is simply not true. I had a vehicle financed through them which i traded in to XXXX XXXX  when i purchased another vehicle ... the dealer was supposed to payoff the cars balance. Im not sure why its on my report as being derogatory as my account is and has always been in good standing.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Ive asked numerous times to not call me, then I asked to not call me on a XXXX. They call me everyday. 2-3xs daily XXXX  XXXX. Harassment is a understatement. Capital One
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this 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 thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received.

7. I am also requesting the deficiency notice that you were suppose to send to me that I never received.

8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CT)

I just recently opened a dispute with Nordstroms. I had opened an account awhile back. I was incarcerated in XXXX of XXXX until XXXX of XXXX. During the holiday season someone stole my identity. XXXX says i signed for an extra card holder to the account around XXXX or XXXX of XXXX. Which i did not do because once again i was incarcerated. They told me that since i signed to have another person on the account i was held liable for the debt and had to file a civil suit with that person. I just find that ludicrous, cause they are the ones who wrongfully approved a person on my account. Why should i be the one that had to go through civil suits and all of the likes? Anyhow i would appreciate your help in resolving this matter. I Am trying to buy a house soon and this is hindering the process. I'm attaching the police report i filed for identity theft and a letter from the XXXX XXXX  XXXX XXXX. I disputed the same matter with XXXX  XXXX and they resolved the issue immediately! So i don't understand why this company is making it so hard.
Consumer complaint received 2022-07-14
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. ) I have a total of XXXX unauthorized transactions withdrawals totalling {$2700.00}. 
XX/XX/2022, I had a balance of {$1100.00} in my XXXX Bank of America XXXX debit card account. The next day while at the ATM, I checked my balance to find out there was only {$47.00} on the debit card. I filed a claim and was told that I must have created a link to transfer the funds. I stated that I had never transfered or created a link to the account during the entire time on unemployment benefits. A unauthorized transaction withdrawal of {$1100.00} was fraudulently processed into an unknown account. So, XXXX BofA sent me a new card. 2. ) XX/XX/2022, a deposit of {$810.00} was placed into my account approximately XXXX pm. I received a email approximately XXXX am stating {$800.00} had been transferred into a unknown account. I did not authorize the transaction neither did I set up a link to my XXXX BofA XXXX debit card account. I thought the unemployment benefit funds would be safe due to having a new card. I filed a claim and disputed the unauthorized transaction withdrawal that was processed into the unknown fraudulent account. XX/XX/2022, I created a link to my XXXX BofA XXXX debit card account. I successfully transferred {$800.00} to my BofA checking account ending # XXXX. 3 ) XX/XX/2022, {$810.00} were deposited into my XXXX XXXX BofA debit card account approximately at XXXX. I tried to create a Link to my BofA checking account but the mobile app was malfunctioning, sending me around in circles. I was being directed to identity verification, card control settings, to fraud alert. The mobile app would not let me create the link to transfer funds to my BofA account. Approximately XXXX, {$810.00} unauthorized transaction withdraw was processed into an unknown fraudulent account ending # XXXX. Even, after having my XXXX XXXX XXXX debit card.. I am a victim of identity theft.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company
Consumer complaint received 2024-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC (GA)

XXXX XXXX XXXX XXXX ct XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX Debt Report Dear FTC XXXX Department, I am writing to report a fraudulent medical debt that has been placed in collections. The details are as follows : Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Account Number : XXXX Balance : {$1400.00} Location of Services : XXXX XXXX XXXX XXXX of Services : XX/XX/XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Account Number : XXXX I want to bring to your attention that I have already disputed this debt with a previous collection agency and successfully had it removed from my credit report. Unfortunately, I can not recall the name of the previous agency involved in that dispute. 

I would like to clarify that I have never received any XXXX XXXX from XXXX XXXX XXXX XXXX, nor have I ever visited the XXXX XXXX XXXX on the stated date or any other date. Therefore, I believe this debt is fraudulent and does not belong to me. 

Please advise on the necessary steps I should take to resolve this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying this situation. 
because they have called me and I told them this wasnt my day and now they sent me some papers with just the information I gave you on it, Ive already told him it wasnt me Thank you for your help. 

Sincerely, XXXX XXXX