davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nevada Credico, Inc. (NV)

Quantum Collection Agency is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my XXXX grandsons who lived in Alabama because their mother was in stage XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XX/XX/XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 
3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS WITH FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Stellantis Financial Services US Corp. (OH)

XXXX days after our missed payment, they started calling repeatedly. On XXXX XXXX, we called them and told them we are filing XXXX XXXX  bankruptcy and gave them our attorney 's phone number. Today, XX/XX/XXXX, they called me XXXX times ( while I was at work ). I called them after work and again told them we are filing bankruptcy and gave them the phone number. I also said calling me XXXX times in XXXX day was harassment and he told me that is within their guidelines.
Consumer complaint received 2023-12-05
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 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 2023-08-19
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$440.00}
Consumer complaint received 2023-08-19
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2023-08-18
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AK)

On Monday XXXX XXXX XXXX I received a call from a process server ( XXXX ) telling me to call XXXX and that my case number is XXXX. I did call the number because they called my children which scared them. A woman named XXXX XXXX who claimed to be from XXXX XXXX XXXX firm stated that I am being sued for an outstanding debt from XXXX of {$8000.00} from HSBC Bank , card number XXXX. I told her I have no recollection of this debt and have never recieved any letter stating otherwise. XXXX then had me verify my name and social security number. XXXX also stated that if I do not handle this matter by Thursday XXXX XXXX XXXX then the law firm will file a lawsuit against me for breech of contract and fraud. XXXX of my children then XXXX the number and the results popped up as a scammer and suggested I fill a complaint with the FTC.
Consumer complaint received 2023-08-18
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. (TX)

Equifax XX/XX/23 This letter is in response to your claim XXXX XXXX has verified that the account that they are reporting is accurate. Please be advised that I have sent in a letter requesting a method of verification. XXXX has not responded. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (FL)

This midXX/XX/2019, I was alerted by a phone call from a debt collector who told me that I had a delinquent account with Huntington, National Bank. I do not now, nor have I ever banked with Huntington, National Bank. However, an account has been opened in my name with Huntington. It should be noted that Huntington is a mid-western bank, but I live in South Florida with no connection to the Mid-west, whatsoever. Immediately, I called them and spoke with a representative of Huntingtons fraud and recovery division. I was and am highly concerned because I'd previously placed a fraud alert with the credit agencies. I know that this type of alert requires banks to obtain identity verification by a heightened standard of due diligence, which generally requires them to make verbal contact. However, no one from Huntington contacted me when they opened this fraudulent account. 

On XX/XX/2019, I received a packet ostensibly from Huntington via United States Postal Service. Inside the packet was an unsigned letter from Huntingtons fraud and recovery division requesting a copy of a police report, a utility bill, and a copy of my personal government issued identification, as well as an uncompleted form entitled identity theft affidavit. I made an appointment and met with the XXXX XXXX Police Department to file a complaint on XX/XX/2019. The complaint was taken by Officer XXXX XXXX who issued me complaint number XXXX and informed me that formal reports are not attempted until a complaint is taken and a preliminary investigation is conducted. This caused me more concern, because Huntingtons letter demanded a copy of a police report issued, which I have no way of acquiring at this time. 

Additionally, Im very concerned about supplying this bank, which has already opened a fraudulent account in my name despite a fraud alert, with a copy of my personal information such as my drivers license and a utility bill. Ive read about the unscrupulous fraudulent account practices of XXXX XXXX and other banks in the news. I should note that Huntington 's letter requested that I include the fraudulent account number on the identity theft affidavit, which I'd have had no conceivable way of knowing. When I subsequently called Huntington to request the account number, they refused me and suggested I stop by one of their branches. Again, all of their branches are in the mid-west and I live in South Florida ( and they were informed of this ). 

Then yesterday, XX/XX/2019, I received a bill for this fraudulent account, which so happened to include the fraudulent account number that Huntington previously refused to supply me. Please find included with this complaint ( If I am able to attach it ), a copy of my police complaint number, as well as the letter, affidavit, and bill from Huntington. I am resolute in pressing this matter as a formal complaint against Huntington, National Bank. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Attempted to pay on my mortgage loan this month of XX/XX/2023 but have not been able to. After further review as to why all areas to my account was not accessible I found out that lake view loan services was down due to XXXXXXXX and continues to be shut down. I was never informed via email to better keep personal information secured. XXXX has a responsibility to its clients to immediately notify them of any security breach. I should have been notified in case our banking information, SS #, or any other PII was leaked.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC (TX)

Over the past two weeks, ( XX/XX/XXXX, XXXXPresent ) Asset Recovery Solutions has not only been harassing my personal cell phone, but is now harassing my employer. Additionally, they are using mirror technology to imitate numbers from my hometown. I have not yet received any additionally information about this supposed debt and have no clue why they are trying to contact me.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint to bring to your attention this follow up matter regarding my credit report that requires urgent resolution. Again, despite my ongoing efforts to dispute these inaccuracies over the past few months, they persistently remain on my credit reports. And under Section 605B of the Fair Credit Reporting Act ( FCRA ), it is mandated by law to remove items resulting from identity theft. Enclosed with this correspondence, please find the necessary Federal Trade Commission ( FTC ) Report with reference XXXX XXXXXXXX, and relevant personal documents. I kindly request the immediate removal of the following items from my credit reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX I XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

The Nelnet account has been reporting inaccurate information onto all 3 of my credit reports. I have made several calls to the company to inquiry as well as dispute the inaccuracy being reported but still nothing has been done to fix the problem. I asked to speak with a manager and he was very rude. He did not want to listen to my concerns to even address them. I submitted paperwork, called several times and still nothing changed. So now I would like to file a formal complete with CFPB.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

This is the second time I have asked XXXX XXXX  XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Consumer complaint received 2019-09-13
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. (CA)

My Trans Union Credit report states that the XXXX XXXX XXXX XXXX collection account was opened on XX/XX/XXXX of XXXX with a high balance of {$930.00}. This information is correct although I thought it would be covered by insurance but I am not disputing that much. 
The reason I am contacting you today and what I find is most troubling is that my credit report fraudulently is being reported as having a payment made in XXXX of XXXX. I have never made any payments to them. This deceit effects the date that the debt is removed from my credit report. They have also reduced the balance owed by {$690.00}. I have paid XXXX dollars to them. 
I want this account removed from my credit report or documentation of when payments were made, who made the payments & a full accounting of the account. How the balance went from {$930.00} to {$240.00}. 

Trans Union continues to report it incorrectly. 
Previous disputes to Trans Union for this account were completed XX/XX/XXXX, but failed to correct the report. Report number XXXX I have attached screen prints of my Trans Union File number XXXX that shows the account. Currently it is the only collection account in my TU credit file. They may have changed the account number. Old account number is XXXX & current account number is XXXX. 
This was a medical bill. I have attached a copy I obtained in XX/XX/XXXX from the original creditor, XXXX XXXX XXXX XXXX. 
Please investigate why Trans Union will not fix or remove information that is not accurate for this account. 
Once again, I have not made any payments at all on this collection account.