davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have sent over seven written correspondences to this company to request Validation not verification. Each and every time I send a validation correspondence to the company the send the same verification documentation. I have asked this company to validate that this debt belongs to me by proof of documentation. I have specifically requested a copy of the original signed document or contact with my signature that I am alleged to have with the original creditor. I've requested that the collection agency send me an signed contract between myself and the collection agency. I have also requested any account statements that the collection agency has in regards to this account. This company continues to ignore my requests. This company also continues to report unvalidated information to my credit profiles. This company also has refused to conduct a accurate investigation into my claims.
Consumer complaint received 2022-01-12
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$0.00} XXXX-Balance {$14000.00} XXXX XXXXXXXXBalance {$1300.00}
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I noticed on XX/XX/XXXX that most of my money was taken out of my account and call TD bank to dispute the charges. After they received the claim they denied it stating the pin number was used and the card was not used after it was shut off. I put the claim back in on XX/XX/XXXX and it was denied again. It's about {$1200.00}
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

so I have been challenging a account by the name XXXX XXXX from my consumer report with equifax. when I challenge this account I base it off of the blatant errors reporting. I feel as tho equifax is choosing to non comply. I have attached my recent letters and proof of my updated consumer report showing errors still. I have given equifax the respectful time to complete there dispute process. 

XX/XX/XXXX I sent equifax a letter based on the fact they were still reporting this account to be open but the last payment was XX/XX/XXXX. 

XX/XX/XXXX I wrote equifax a letter based on excerising my rights 15 U.S.C 6802 because I felt as if they were violating my rights to privacy by continuing to report inaccurate information after I had been previously had been putting them on notice with proof that this account was reporting inaccurately. 

XX/XX/XXXX I decided to pull a updated consumer report form XXXX to see if equifax fixed or complied of my previous request. 

to my findings nothing was updated or investigated. I feel as tho equifax again failed to comply. the addresses i use are XXXX XXXX XXXX, XXXX, GA, XXXX and XXXX XXXX XXXX, XXXX, GA XXXX these address are listed on their credit reports as a dispute mailing address and website. 

equifax is still reporting errors. the accounts status is wrong, the date of 1st deliquency and deliquency first reported is wrong. the date reported is wrong. the date of last payment reads XX/XX/XXXX but the payment history shows 60 days late that date. the date of 1st delinquency reads XX/XX/XXXX but there're no data on that date in the payment history. the comments section doesn't specify a notice of dispute. the closed date is missing even tho this is a closed account. I also pulled a new smart credit report dated XX/XX/XXXX and noticed this account is still reporting errors and inconsistent information. they keep reporting this as a open account for some reason. I have done my part as a consumer to notify them of their mistakes and they dont respond.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MN)

XX/XX/XXXX The servicer Ocwen changed names/sold servicing rights to PHH/XXXX XXXX They locked us out of the online account, and are still to this day locked out of our account. 
They held our payment in suspense. They sent the note to a foreclosure status. They charged foreclosure fees. 
Then the COVID pandemic hit. 
They held payments in suspense and then resorted to the refusal and return of the payments. 

They have also refused the Pandemic Relief Monies to assist HOMEOWNERS basing it on their statement that we, the homeowners were behind in our mortgage payments..when in fact... had they not held the money in suspense we, the homeowners would have been " current '', and therefore would qualify for the COVID assistance. 

To this current date, PHHXXXX XXXX sent a trial period modification with everything due by XX/XX/XXXX, along with a letter claiming they can not provide COVID assistance. 

The prior servicer had religiously taken our money, held the funds in suspense, and " forced '' loan modifications ( most current was XXXX ) that were extremely inaccurate and financially detrimental. 

We have hired a couple attorneys, a forensic accountant, and enlisted the help of a local housing authority agency, XXXX, XXXX
Consumer complaint received 2022-04-11
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. (TX)

In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WI)

Resurgent Receivables LLC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX To : The Office of Registered Agent for Resurgent Receivables LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Consumer complaint received 2022-04-11
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00} XXXX CARD XXXX Date Opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-01-12
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. (TN)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (CT)

I deposited a XXXX check on XX/XX/2021! XXXX was made available. Before the remaining could be cleared my accoubt was places on hold then closed. I received an account summary details of what was left in the account XXXX. The check was not for me to deposit but my landlord. However ; its been 6 months with no details of when and where the funds are. The XXXX XXXX the sender of the check is requesting the funds back or a detailed document stating Keybank is still investigating and will return funds to sender. Keybank will mot cooperate with me to get this matter resolved. It is affecting my livelyhood and life.
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (MD)

I sold my car back to XXXX on XX/XX/2021, and the loan was handled by Bridgecrest. After I sold the car back to XXXX, I was supposed to get a refund from Bridgecrest for approximately {$610.00}.

Initially, Bridgecrest had the wrong address when I called on XX/XX/XXXX. I gave them the correct address and they assured me that the refund was on the way. After not receiving anything, I called them back on XX/XX/XXXX and asked for a status update. They mentioned that the ticket was in a holding pattern and wanted to make sure my address was correct. I confirmed the right address and continued to wait. 

I called again on XX/XX/XXXX, and one of their associates, XXXX, assured me that the issue had been corrected and that I would get my refund in the coming week. I reached back out to Bridgecrest on XX/XX/XXXX. They mentioned that the refund was issued on XX/XX/XXXX and I would receive it in 7-10 business days from XX/XX/XXXX. 
I checked my mail on XX/XX/XXXX, and the check was not in my mailbox. I reached back out to Bridgecrest today, XX/XX/XXXX, and XXXX, from their XXXX department, said that they sent the check to the wrong address again. I confirmed the address with XXXX different people over the last few months, yet they still sent it to my old address. 
If this were to send my payment in late, they would have charged me a ton of interest and fees. I just want my refund check.
Consumer complaint received 2022-05-16
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. (AL)

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, Experian, and XXXX. 



Thanks again for your cooperation, XXXX XXXX
Consumer complaint received 2022-05-16
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. (AL)

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply.

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and Equifax. 



Thanks again for your cooperation, XXXX XXXX
Consumer complaint received 2022-05-16
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. (FL)

WAS CAR SHOPPING AND THE DEALERSHIP SUBMITTED MY CREDIT FILE TO MULTIPLE BANKS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX Account XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-11
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX for amount {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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-11
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-11
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kna Global Enterprises Inc (NV)

ON XX/XX/2020. I SIGNED UP FOR CREDIT REPAIR SERVICES WITH KNA CREDIT SERVICES ALSO KNOWN AS KNA GLOBAL ENTERPRISES. I PAID THE COMPANY A {$1000.00} START UP FEE. THEN SADLY COVID 19 WAS ESTABLISHED. I REACHED OUT SEVERAL TIMES DURING THE PANDEMIC, MOST OF THE TIME THERE WAS NO ANSWER OR NO ONE IN THE OFFICE. THEN I WAS TOLD THEY WERE NO LONGER WORKING IN THE OFFICE THAT THEY WERE WORKING FROM HOME. AFTER THE PAYMENT WAS MADE I DIDNT HEAR FROM THE COMPANY SO I REACHED OUT AGAIN AFTER NOT HEARING ANYTHING FOR 9 MONTHS. THEN I WAS TOLD TO CHECK MY EMAIL AND THAT ALL UPDATES WOULD NOW BE THROUGH EMAIL. ALSO THAT I HAD TO SIGN UP FOR UPDATES THROUGH THE CLIENT PORTAL. BASICALLY ITS BEEN LIE AFTER LIE. MY CREDIT WAS NEVER REPAIRED AND I STILL HAVE NOT GOTTEN A REFUND AFTER 2 YEARS.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.