davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (PA)

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 for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Unrecognized Inquiries XXXX XXXX XX/XX/19 On Transunion and XXXX and XXXX  XXXX   XX/XX/19 On Transunion and XXXX and XXXX XXXX XXXX XXXX XX/XX/19 on all 3 bureaus
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-10
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (MS)

In 2016 I went to a school to learn truck driving for my business, XXXX driving school for my XXXX. 
I was told that upon graduation they would sell me a truck and that I would be an owner-operator making 85 % of the profit of the load. 
When I went to driving school we were supposed to learn how to drive both a manual and automatic, we were supposed to learn all XXXX Regulations, we were supposed to learn how to tie down freight, we were supposed to learn everything there was about safe and proper operations of a truck. 

About 2 weeks into the school I kept telling them I needed to learn to manually shift the trucks at which time I was told that once I got out of school I would learn the ins and outs of the business. I started asking questions because every test we had was open book, we were not doing anything in the classes to learn any regulations and was told that once we came out of the school our teammate would train us. I explained I was not there to be a team I was there to be an independent owner. 
So it was explained to me that would be something I would deal with recruiting with once I got my XXXX. 

So the whole time I was in the class was spent on a shifting pad in XXXX gear and reverse and we were never trained on the open road. We did not learn any DOT regulations, we did not learn anything. 

The first time I took my driving test I failed because I did not know how to use a stick shift, I was never took out to learn the proper way to shift a truck and the second time I took the test the instructor told me because I was worried I would fail again to just stay in low gear, act like traffic was too thick to go any faster and that the man testing me would shift the gears if I had issues so that was how I graduated. 

When I was issued my license I kept telling them I not comfortable driving the truck because I did not know any of the DOT regulations because all of the tests we did was open book and we was never schooled in any of them and was told just to mark the right answers which was already outlined in the test books, how to slide tandems, how to drive on the roads and they told me that was something I would be trained for once I got my on the road trainer which I never got they continued to delay me in coming to work. 

I finally got tired of waiting and went to another company where I had to go out with a trainer for another 4 weeks because I didn't even know the basics of driving a Semi.
Consumer complaint received 2019-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc. (WA)

I pulled all 3 of my credit reports, and my husbands reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 3 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my husband and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my husband did too, and AUDIT AND ADJUSTMENT has NOT removed these account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my husband, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NV)

ello my name is XXXX XXXX i from XXXX XXXX in live in XXXX XXXX i had some one take unauthorize money out of account with nets pend XXXX bank out of XXXX TX for total of {$3600.00}. Netspend blocked my card on XX/XX/XXXX and notified me on XX/XX/XXXX via email that there was a account issue to call the fraud department. I called the fraud department i asked what's going on what happen to my money he states there was some with draws from XXXX XXXX bank. I was working and they took money starting on the XXXX before netspend blocked my account. I filed a dispute claim Number # XXXX and they told me it will take 10 days for me to get my money and i will get a response by XX/XX/XXXX. the days comes and the come back with they didn't have error some hank my account some how and the money is mines my taxes and work check they even took that also. I read their XXXX  reviews and this happen to people and they have to fight to get the money back. I need help and getting my story herd and help with getting my money back due fraud. I am a single mother and trying to have funds for hard times or good times and i been with netspend since XXXX and i had my card for a year and this never happened to me and they are acting like it's not a big deal and i need to let my money go please help me. I filing a police report, i have my time card showing i was at work when my funds was being taken out of account. They even took money out in California and i am here in XXXX XXXX and the bank doesn't find error after their investigation, i need cameras pulled and for them to prove to me i authorize this because i wasn't aware at all and i am heart broken about my money, Respective told me my case was close and can't be reopen. I had to go weeks with money. XXXX lost my card they didn't want to express me card for the {$25.00} fee was trying to make me pay when i never received the card. I asked for a manger and she assured me she will send me a card, come to find out she didn't and the rep had to send me another card and i had to wait into XX/XX/XXXX to finally get a new card. They been so careless about my money i did dispute in the past for {$20.00} XXXX dollars and got that back so i am only made to believe this is true theft. I cant stop crying or worrying about my hard earn money please help me get my money back.
Consumer complaint received 2019-02-06
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. (AL)

Was hospitalized for an extended period In late XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX  XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (LA)

As a federally protected consumer, I am highly disappointed and unsatisfied with TrueAccord. My name is XXXX XXXX and I am making this complaint against TrueAccord for violating a cease and desist notice received by their offices XX/XX/2022. I have no recollection of authorizing or giving TrueAccord any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with TrueAccord and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TrueAccord any right to collect on this alleged debt. I have also never received any documentation requesting validation from TrueAccord before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until TrueAccord can provide me with sufficient documentary evidence that I have any legal obligation to pay them. True Accord has advertised the sale of this alleged debt to coerce payment. I have abundant evidence of the use of abusive and unfair debt collection practices by True Accord ( EXHIBIT A, B, C ). This has led to an invasion and breach of my privacy. If this documentary evidence can not be produced and TrueAccord continues its collection efforts, I will file for arbitration and TrueAccord will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-08-15
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. (OR)

In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number XXXX Has violated my rights 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 consumer reporting Agency can not furnish a account without my written instruction
Consumer complaint received 2019-02-09
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. (WI)

I have reviewed my credit file and noticed the bureau EXPERIAN is reporting The below listed account that was not opened by me, I did not profit from the account having been opened. Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I need them to delete all information which can not be verified. Please have Experian delete XXXX XXXX {$58.00} derogatory remark off my account immediately as it is not mine!
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

Date : XX/XX/2022 at approximately XXXX PST. 

United wholesale mortgage ( UWM ) does not have oversight of required insurance policies. I received a notification to update my XXXX XXXX XXXX XXXX and to submit my insurance information through XXXX XXXX XXXX The notification indicate my condo policy expired on XX/XX/2022. 
But my policy shows the policy expires on XX/XX/2022. 
I uploaded my policy, and it was rejected without reason. 
I tried contacting a representative about it. 

But the webpage XXXX XXXX XXXX does not have a working contact number ( XXXX ) XXXX as indicated was discontinued. So I contacted the representative over at UWM servicing about my insurance submission at XXXX the representative told me she was not able to make any updates to the account regarding the insurance policy I have submitted. In addition, can only advise me to re-submit the same policy through the same portal, without a field for explanation. 

My property is a Condo so the master policy is under the HOA association 's name. However I can't communicate this fact to the servicer because the system doesn't allow it. I have also gotten a personal XXXX insurance under my specific name and uploaded that onto the portal just to attempt to resolve the issue. But I was still rejected.
Consumer complaint received 2019-02-09
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. (CA)

This complaint to to address a previous complaint Complaint number : XXXX & Complaint number XXXX There are multiple items that I have disputed however the bureaus Experian, and XXXX   have not removed the items and they did not perform a proper investigation with the creditors in a CDV format in accordence with 15 U.S.C. 1681s-2 ( b ) ( 1 ). I demand proof of the scope of the dispute outlined on a CDV form received by the furnisher. I do not believe that the previous items I disputed which are included below were investigated and I know for a fact that the bureaus never gave me proof of this investigation before so in result I demand all of the items be removed IMMEDIATELY to prevent my legal right to privately SUE the creditors and furnishers. Doing so will take so much time as I have already lost so much time and have been denied credit when I need it to better my life. 

In my previous dispute to Experian on XX/XX/2019 I also included copies of my ID, Social, and proof of address and on XX/XX/2019 I received a letter from Experian stating that in order to process my dispute I will need to send them my ID, Social, and proof of address. They deliberately sent me this letter as a stall tactic to completely ignore my disputes and proper investigations that need to be taken place in order to verify the accuracy of information on my credit report. They gave me other options to send in my id, social, and proof us address such as www.experian.comXXXX they are not allowing me to upload my documents to the system because it is rigged! I have attached this letter into this complaint which serves as total proof that Experian is not treating me fairly and has not properly addressed my disputes or performed a proper investigation. 





Items I demand be removed XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS COURT DOES NOT HAVE ACCESS TO MY RECORDS AND AS PROOF I CALLED THEM TO VERIFY THAT AND THE OFFICE DISCLOSED THAT THEY DO NOT PROVIDE PRIVATE INFORMATION TO THIRD PARTY AND SO IT IS IMPOSSIBLE FOR THEM TO VERIFY THIS ACCOUNT ON MY REPORT SO IT MUST BE REMOVED AS IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX I WAS NEVER LATE ON THIS ACCOUNT AND CREDIT HAS NOT PROOF OF SENDING EARLY WARNING NOTICE AND AGREED TO REMOVE ITEM OFF MY CREDIT OVER THE PHONE
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (AL)

Comenity bank-financed my dental financial account. I recently learned that they took {$200.00} off my credit limit and took away the nearly {$600.00} of available credit that I had. My account is current their excuse was that it was due to my other credit accounts being past due. But I have recently made payments on these accounts but they haven't been updated yet. My bank closed my checking account on XX/XX/2020. This is why I was behind in making these payments. I am being punished by Comenity by losing my credit limit and even though my account is current with them they are still punishing me by taking {$200.00} from my credit & taking away the nearly {$600.00} of available credit I had leaving me with only {$5.00} There is always some mental strain being put on me through no fault of my own. And I get punished for it. This virus pandemic has caused a lot of financial problems. But to punish someone by taking away their credit because of a virus pandemic & raising their payment all through my account is current with them is not fair.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

This is in regards to a debt with Midland Credit Management. It stated XXXX XXXX was the original creditor. I sent Midland Credit Management a request for validation of the debt sometime last year via Usps regular mail. I havent received anything. I understand the pandemic has made processing of things a little slow, but its been almost a year. Im disputing this collection item. I have business with XXXX XXXX but not XXXX XXXX. Im requesting validation of this debt asap. Such as a credit agreement signed by me and documentation of the chain of custody of all paperwork.