davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated (TX)

There is an open collections account from CONSUMER ADJUSTMENT that was added to my XXXX credit report on XX/XX/XXXX. This was a credit card account that was closed 2,777 days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but XXXX refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt. 

I previously disputed this account and successfully had it removed from XXXX as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both XXXX and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.
Consumer complaint received 2022-05-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( ACCOUNT NAME : 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXX NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 1 XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 5 years 2 months 9 days 0 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 11 XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 6 years 1 month 7 days 2 XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days 1 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 6 years 5 months 1 day 5
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DC)

i reported on XX/XX/XXXX fraud had taken place on my account, sat on call w  rep for 2 hrs going over transactions.she replied at the end you will need to call back when the provisional credit hit your acct to file a claim so they can send it back to XXXX XXXX and complete full iv. that never happened they closed my account less than 24 hours later by sat XXXX XXXX  they closed the account partially as they stated, i ask well how did you conduct a full iv in 24 hrs they gave no response and said the bank chose to do it for my safety. .they than added the provisional credit sunday XX/XX/XXXX XXXX $ and withheld acces from the entire account bank cards told me i had to walk into a branch XXXXi went in today XX/XX/XXXX they stated bank was reversing the credit and i cant access it u til iv compeleted .i asked why on my last claim i had access the same day so what is the difference now why cant i withdraw any money.they stated inow have to wait 10 days and if anything is owed to youwill be mailed they treated me like a criminal and i feel i should have been able to walk in and withdraw money like any other time .. also what do they mean by owed to me its my money that was stolen and they just closed my account without saying anything.. i never even received a email to notify me after friday that they closed my account. what was the point of mailing me a new bank card and changing ym online id? why are they refusing to allow to to rightfully use the provisional credit that was granted to me? chase bank offer what is called rapid rembursement, mean they are suppose to remburse you while it is being investigated not without the funds in bad faith .i even called back sunday when fund hit account to dispute but chase refused me to dispute sayin account of fully closed but i went in branch and they stated it was not giving me false information, chase never intended on allowing me to keep the rapid rembursement they reversed the payment 24 hours after posting to my account i want to know why did they do this?
Consumer complaint received 2022-05-06
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. (FL)

I have sent my disputes multiple times out to the credit bureaus fighting this issue as off XXXX, XXXX and XX/XX/2022 its getting very serious because there starting to take points off due to me complaining to the CFPB AND Also ignoring my request. I told the credit bureaus to re '' investigate every piece of information '' on the accounts i have listed below. but they never did a full investigation. 
ACCOUNT : XXXX  XXXX XXXX According to the FRCA the term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account were verified and updated but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this accounts are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be Accurate.
Consumer complaint received 2022-07-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor Advocates Inc (IA)

XX/XX/XXXX a letter was received by me from a collection agency claiming I owe an alleged debt of {$1700.00}. The name of this collection agency is " Creditor Advocates Inc '' and is licensed in Minnesota, and Wisconsin, while I have never lived in either state and have resided in Iowa for the past 5 years. I responded to the letter in about a week in compliance with the FDCPA. In response to this letter I request for verification and validation of the alleged debt per the FDCPA. Creditor advocates Inc failed to respond within 30 days to my request for validation of debt. Creditor Advocates Inc failure to respond to request is taken as this debt is false. 
On XX/XX/XXXX, I received a letter from attorney XXXX XXXX XXXX. This attorney is located in Iowa and licensed in Minnesota, Illinois, and Colorado. This letter was sent on behalf of Creditor Advocates Inc. This letter, sent seeks to intimidate, by being sent from an attorney, and requested the same alleged debt of {$1700.00} from XXXX, that Creditor Advocate Inc failed to respond to when I requested validation of this debt. 
Over two years has elapsed and Creditor Advocate Inc has failed to validate the alleged debt and respond within the requested time. Creditor Advocates Inc continues to contact me with the demand of payment. This companys continued contact is harassment, and has cost me time with my family for response, money, and stress. This continued contact is harassment, is in violation of the FDCPA.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I did not file this ch XXXX bankruptcy, nor are these medical bills mine. There are addresses and names listed that I do not recognize. Someone must have my information. Please remove it from my credit profile.
Consumer complaint received 2022-06-29
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. (PA)

On XX/XX/2021, I noticed an inquiry from XXXX XXXX Bank on my Transunion consumer credit report. The issue I have is that no investigation was done by Transunion and the inquiry is still on my report. I say this is an issue because I don't recognize the inquiry plus the name on the inquiry is spelled XXXX XXXX. How could this make it to my report of Transunion is supposed to be exercising grave responsibilities. I attached proof of the inquiry and the spelling of my name being wrong. I also attached the Identity Theft Report.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed now with the bureau 3 different times and with no response from them any time. This is also the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion. The dispute number was XXXX, which in response to that, TransUnion stated they would begin the investigation and forward me the results ; that was on XX/XX/2020 that they responded and I have yet to receive anything from them! While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2021-10-30
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: SYNCHRONY FINANCIAL (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry Date XX/XX/2020 ; 2. XXXX Inquiry Date XX/XX/2020 ;
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX  XXXX has violated my rights Account # XXXXXXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has XXXX my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

I received medical care from XXXX XXXX XXXX XX/XX/2018. I had XXXX insurance. They never billed me to my correct address and I never received any notice of a medical collection notice from California Business Bureau XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX for {$3000.00}. This has impacted my ability to get credit and my score by 80 points. I contacted XXXX XXXX and they took my insurance Information to bill but CBB has not been helpful in removing the remark or communicating with the medical center.
Consumer complaint received 2020-07-13
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: Bread Financial Holdings, Inc. (AZ)

This account was paid off and never had a balance. Coinciding with a data breach the card was suddenly maxed out. The company has been asked several times to provide proof of debt, proof of charges etc. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy of that report and one is also attached with letters.
Consumer complaint received 2022-09-21
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated theis account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This was already included in my prior Ccomplaint, and I'm including it again. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00}
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

I had a car loan with Gateway One Lending in XXXX of XXXX. Unfortunately, I had to file bankruptcy in XXXX. When I did Gateway One was one of the lenders that were part of the bankruptcy. In XXXX of this year, Santander Consumer Finance reported an account that was part of my bankruptcy because they bought out Gateway One well after my account with Gateway One. Santander not only is filing on my credit that I had an account in BK with them but they are also changing a couple of the numbers to closely match the Gateway Account. Santander also showed the account as a charge-off with a balance which XXXX  has already removed and changed it to part of the BK and XXXX balance. I do not understand how Santander can show an account on my credit when I never had a loan with them. If they can, I ask how can they show the same account/loan filed under two different names, Gateway and Santander? I feel this is a very fraudulent report from Santander and needs to be removed from my credit. When Santander reported it last month my score dropped over 80 points. This made our mortgage company decline us buying our home. We hated to file BK, but we did and have been paying any and all of our loans perfect. How can an outside financial institution just add this to our credit just because they bought out a lender that we dealt with and again I say that we never had a dealing with. Not a contract or anything. Thank you for your help.
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group (CA)

THE MOORE LAW GROUP after asking them multiple times for a proper debt validation they failed in all of them but they wanted to still pursue an invalidated debt so they decided to sue me without even giving me a proper servicing of a court summons  claiming and lying to the court that they served me on XX/XX/XXXX which is a total lie because at this time I had already moved out of state I moved on XX/XX/XXXX I can prove this with USPS mailing address change and/or paystubs.It looks like they just needed to serve someone before the 90 days would run out and they also wanted to pursue a default judgment in which they filed in court on XX/XX/XXXX asking the court for a default judgment to try and steal from me and garnish my wages without me even knowing about this case.
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
Consumer complaint received 2021-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Received a forced placed insurance notice on my home from LoanCare, stating that I did not have homeowners insurance, while at the same time getting a bill from my Homeowners insurance company saying that it was not paid. I have an escrow accout. I contacted my homeowner 's insurance as to why I would receive a bill and why did my mortgage server not pay it, they told me they sent it out for payment back in XX/XX/2021 and never received it. The homeowner 's insurance contacted LoanCare directly and was told that they don't accept any payment requests through the mail. and that it has to be electronic so that's why it was not paid. thus, making them send out a notice for forced place insurance. The homeowner 's Insurance company told them that I have insurance and this should have never happened and payment needs to be made asap. Loan Care stated that they would put a stop to the forced placed insurance and send out payment within a week. They never did, and I just received ANOTHER forced placed insurance notice stating that I will need to pay over XXXX because I have no homeowners insurance, This makes me sick that not only have I contacted them, but my homeowner 's Insurance company has also reached out to them for payment and they have not paid, leaving me with fraud when this should have never even happened, its fraud, true fraud, And LoanCare should not be able to get away with this, The stress this has put on my is overwhelming and the moment they place forced placed insurance due to their own lack of following the laws for processing/servicing a loan. I will be using them for the stress and causing me to lose homeowners insurance due to them NOT paying, ( mind you, this is XXXX XXXX XXXX for XXXX families, my father has been with them for years he is a military veteran ) My family should not lose our good stating with them because LoanCare and its servicing company will not pay bills like they are required by law. RESPA REG X SEC 6, This is the last chance I have to get LoanCare to do their job and stop the illegal practices. XXXX XXXX, XXXX is the current servers for LoanCare that I have found, if this is true then XXXX XXXX, XXXX