davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) 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 : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) 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 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.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-05-20
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: Bridgecrest Acceptance Corporation (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-03-27
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. (IL)

MY REPORT IS SHOWING 2 LATE OR MISSED PAYMENTS 30 DAYS LATE ON TWO SEPARATE ACCOUNTSXXXX  AND XXXX XXXX XXXX I was never late on these accounts
Consumer complaint received 2021-10-15
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. (DC)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2018-10-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Round Point Mortgage Administration and Law Firm has already sold the house to XXXX XXXX a relative or wife of XXXX, Texas XXXX XXXX to rapidly cover the Corruptions, Fraud, Scandal and Inflanted Value Appraisal of XXXX. 

A neighbor has sent me of evidence of XXXX County Judge ordering me to vacate me out of the house while I am nursing a XXXX XXXX and throwing me on the street. 
It appears that XXXX County Judge doesn't have no feeling or Care for our Military Veterans. 
Texas Laws is in favorite of all major billionaires financial Institutions and the special interest. 
On XXXXXX/XX/XXXX at XXXX Military Hours, the Sheriff and Crew will tear down the doors to enter the home.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC (TX)

I am writing in reference to the alleged debt associated with SSN ending in XXXX, which your company has reported as charged-off. Based on the information reflected in my credit report, the balance of this charged-off debt is less than {$600.00}. 

Legal Definition of Charge-Off A charge-off occurs when a creditor deems a debt uncollectible and writes it off as a loss for tax purposes. Under Generally Accepted Accounting Principles ( GAAP ), once a debt is charged off, it indicates that the creditor has ceased further internal collection efforts and considers the debt uncollectible. This typically removes the debt from the creditor 's active receivables.

Accuracy of Information under 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information you report to the credit reporting agencies is both accurate and complete. Reporting a charge-off without reflecting the full details of the debt 's resolution or its current status may result in inaccurate credit reporting, which violates federal law. It is your responsibility to correct any errors or misrepresentations regarding this debt. 

Request for Clarification Given that this charged-off debt is under {$600.00}, I understand that you are not required to issue an IRS Form XXXX, as debts below this threshold are generally not considered taxable income under IRS guidelines. However, I am requesting the following clarifications : Confirmation of XXXX : Please confirm in writing that this debt has been charged off and explain whether any future collection efforts will be pursued by your company or a third-party agency. 

Current Status of the Debt : I would like a full accounting of the current balance, including any fees, interest, or other charges that have been added since the charge-off, and whether the debt will be transferred or sold. 

Accuracy of Credit Reporting : If this debt has been resolved or written off entirely, I request that you update all credit reporting agencies to reflect the correct status. Continued reporting of this debt without proper updates may result in inaccurate reporting, which is a violation of the FCRA.

Request for Immediate Action I ask that you provide this information within 30 days of receipt of this letter. Failure to accurately update my credit file or provide the requested information may result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. Additionally, I may seek legal remedies for violations of 15 U.S.C. 1681e ( b ), which ensures the accuracy of consumer reporting. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified time frame.
Consumer complaint received 2023-05-23
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. (NJ)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC (UT)

I have a car loan and I was out of work for six months living off my husband 's social security and retirement. I was two months behind. I kept receiving calls and messages saying they understood about getting behind and that they were there to help me. When I called the first time I only had a temporary position, so they couldn't help me. The second time I called, I had just gotten a full-time job starting on XX/XX/2023, and I made payments arrangements with them to catch up one month, and all payments were made and on time. During that call they told me I could ask for a deferral to have the other payment placed at the end of my loan, which would get me back-on track and current. Until I lost my job, I made all my payments on-time. I requested they submit a deferral, which they did, then I started getting calls, saying I still owed them a full payment and they had not received a payment made on XX/XX/XXXX, which my bank showed me was processed and learned the deferral was declined and I was never notified. No reason was given as to why the deferral request was declined. I requested a second deferral and asked them not to call me for at least a week, but continued to get calls. Every time I call and ask for assistance their response is you need to make the full payment. No options are given, they never notify me if my deferral has been granted or declined. I am still receiving 4 to 5 calls per day leaving me messages that they want to help me. I was so tired of the calls and the lies, I left a complaint on their website. I explained why I was behind and that unless my deferral was granted, I wouldn't be able to be on time, until I could find a way to make the full payment, as I was getting caught up with other bills which had accumulated while I was out of work and unable to claim unemployment insurance. I told them in the complaint that I would no longer accept their calls and they could communicate with me via email. I keep asking why my requests for deferrals are being denied, the response I get is, " I don't know, they don't tell us why. ". There has been no response regarding my last deferral request and the constant calls continue several times every day and night!
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CT)

XXXX XXXX my mother ( has authorization ) called GM Financial and asked what the remaining balance on my lease account was a I was looking to turn in or trade my suv. They gave her an amount that we felt was incorrect. They insisted it was correct so she asked that they send it to me in writing with this balance noted. On XXXX XXXX, XXXX I rec 'd a payoff letter that had a different remaining balance ( {$340.00} more in remaining payts ). My mother called to explain and they suggested she fax them the paperwork/proof. She did this on XX/XX/XXXX. Still no response. On XX/XX/XXXX I sent the adjusted balance due in full with a copy of their letter as proof to backup my short payt. I know they rec 'd the letter along with the check when the check was cashed. After that they kept calling and sending letters. We kept faxing back their letters with the same explanations and proof backup and still nothing. Haven't heard anything for almost 2 yrs. I'm applying for a new mtg and my broker told me that GM had " written of bal. '' as uncollectable debt that affects my credit. I disputed this on my credit reports and today I noticed that GM re-opened my account/debt and my credit dropped XXXX XXXX! How can they re-open a debt that was incorrect to begin with??
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus 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 update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$9800.00} ; XXXX  XXXX XXXX Balance XXXX {$3700.00}
Consumer complaint received 2020-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST FINANCIAL BANCORP (OH)

I made a payment to my second mortgage account at First First Financial Bank  on XX/XX/2020. That payment was due on the XXXX of XXXX. The teller who took the payment did not apply the payment to my account. 

I noticed the error when I received the next months statement. I sent a notice of error letter to First Financial Bank, to the address listed on the back of the statement, and I requested they correct the error to include correcting the interest charged. 

I received a letter from First Financial dated XX/XX/2020 stating they had " addressed '' my concerns regarding the account. 

When I received my XXXX statement I noticed they not corrected the interest charge. Rather than reducing the interest they more than doubled what I should have paid. 

I have had numerous problems with this bank. I hope that by filing this complaint I can not only resolve this issue but also warn other consumers about how absolutely corrupt this bank is.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

Venmo froze two accounts that belong to me and asked me to verify my identity, suggesting that was all that was required to reactivate my accounts. After doing as they asked, Venmo permanently suspended both of my accounts and stole {$830.00} in total from me. Venmo refused to give me a reason for doing so, or any further information.
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.
Consumer complaint received 2023-11-19
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (GA)

I received a {$500.00} US Bank Mastercard gift card as a gift in XX/XX/2023. I registered the gift card to my name and address, and did not use it immediately. I attempted to use the card about a week later and got an error. Tried to check the card online and it gave me an error telling me to call the number on the back of the card. This was unusual, because any other time I checked the card it was successful, with no transactions and a {$500.00} balance. Contacted US Bank gift card services at ( XXXX ) XXXX and they told me that my card has been locked for suspicion of fraudulent transactions ( with no transactions at all ), and I have to fax in a copy of my ID and a copy of the gift card. I sent in this information on THREE different occasions to the number XXXX. 

I have yet to receive a resolution weeks later. I have had customer service representatives hang up in my face, put me on hold for hours just so I can hang up, and transfer me to a survey immediately. The people working for this company have numerous complaints online. My suspicion is that they hope people do not go through the trouble of filing complaints and sending documents. I asked a representative, if I do not send in these documents where do the funds go? He could not answer the question. This is cruel, because there are elderly people out there who receive/give cards to their loved ones and can not go through the hassle of faxing information and calling them 20+ times trying to figure this out. My gift card may be for a measly {$500.00} but I can imagine how that adds up seeing that US Bank is a huge company.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Resolve Partners, LLC (GA)

I applied for an apartment and they used a Credit background agency Ive never heard of, RESOLVE and while inspecting the information I see several issues that are out dated, addresses I never lived at, account that are reported erroneous, I had a Idenity Thief case several Years ago. and I sometimes see issues that the people used to gain some kind of use. 1 ) there are many different name variations, I did not spell my name any different ways other than I use it. Because of this I was denied a Place to live. I have no Rental or Utility Companies default, I am widowed and worked to rebuild my self and I see companies like this looking to create bad reports. My issues are the many errors reported 2 ) XXXX XXXX ( XXXX ) This item was a mail order TV trial which the original was paid.. I did not like the makeup and returned the package..But the company instead resent more, Telling me to keep it then sent a XXXX. I complained and they would not resolve the issue.. Thats why they no longer sell the products via TV, because that was not real according to their Ad. I have challenged it and than no one has ever taken the complaint serious.. also they added more fee. 
3 ) I never ordered from XXXX XXXX but yet they keep insisting I did. Ive filed complaints of Not my account all they send is a copy of a order. 
4 XXXX XXXX  XXXX XXXX  XXXX I had two  separate credit card accounts I had one and Paid it off before it was delinquent. I need them to send the evidence of two accounts two separate signatures for 2 accounts and the evidence that their BAD business practices did not cause delinquency. 5 ) Metadate Be removed as it is paid, I wanted it removed since it is satisfied. 6 ) Web Fingerhut is 7 years old reporting. past credit reporting time 8 ) XXXX XXXX is over 7 years reporting and was deleted from other Credit Reporting agencies ( XXXX XXXX ) 8 ) As stated I did not use various forms of my name. 9 ) The many Phone number are not mines directly but of possibly others around Me. 10 ) I lived in New York until XXXX  Period!! Never lived in these addresses XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA, XXXX XXXX, NY in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FCC Grand. I have never had any background screening company report such information that is so erroneous. I have worked for Government Agencies, Federal Level and none of those very detailed Background Check company created the most Harm.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXX, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act XXXX Account # 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