davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Collections U.S.A., L.L.C. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-25
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. (NY)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$660.00} that still needs to be removed from XXXX and XXXX and XXXX XXXX My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. ARS Acct Resolution {$530.00} and {$280.00} and ARS Account Resolution {$190.00}. The accounts are with : ARS Account Resolution of FL Company 's Response We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX of FL, is a provider of inpatient physician services at XXXX XXXX XXXX XXXX. The following accounts have been placed with our office. Reference number XXXX date of service XX/XX/17 balance {$190.00}, reference number XXXX date of service XX/XX/17 balance {$530.00}, reference number XXXX date of service XX/XX/17. While our client 's services are separate from those of the facility, in an effort to resolve this matter, due to the quality of care issue that has been raised, we have agreed to close the accounts, an request deletion of the items from the consumer 's credit report. Please allow the bureaus 30-45 days to update their records. 

This his not been done with XXXX and XXXX and XXXX... please resubmit your response to these companies so they will remove these debts as you stated you would.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments l 'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action XX/XX/XXXX and XXXX
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

My husband was a loan XXXX at Amerisave Mortgage Corporation. We started the approval process, got our approval, went under contract on a house, and now are 14 days from closing. When my husband was laid off from XXXX on XX/XX/2021 they also closed my loan file " for an incomplete credit file '', when we had no more work to do and refused to pay him on the loan. Now we have to go to a new loan company and start the process all over because they closed our loan with no cause and without any permission from me the borrower. As my husband describes, the loan was " in closing '' meaning, the docs had already been sent to the title company to balance and the closing date was scheduled. Pretty ridiculous as far as I'm concerned!
Consumer complaint received 2021-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

PennyMac is overcharging me for my escrow. Pennymac has used Calendar Year XXXX Property Taxes to calculate my annual escrow amounts for XXXX. When using Calendar Year - PennyMac is using two different years- taking amounts from both XXXX and XXXX to calculate my XXXX escrow payments. The XXXX XXXX XXXX says that Mortgage companies typically use fiscal year - and PennyMac has always used Fiscal Year in the past to calculate my escrow amounts. 

My Property Tax is broken into two payments ; For XXXX ( Total Tax = {$3000.00} ) XX/XX/XXXX XXXX for first half of calendar year XXXX ) = {$1300.00} XXXX  XXXX XXXX for Second half of calendar year XXXX ) = {$1600.00} For XXXX ( Total Tax = {$3100.00} ) XX/XX/XXXX XXXX for first half of calendar year XXXX ) = {$1500.00} XXXX  XXXX XXXX for Second half of calendar year XXXX ) = {$1500.00}. 

PennyMac has take the second half of Calendar year XXXX and added it to the first half of XXXX - using two different tax years to calculate my escrow. They are also comparing it to a split XXXX year - and because the town did not split the annual tax proportionally - PennyMac is claiming that my property tax went up {$550.00} dollars - which is not true. The Town Clerk and Treasurer/Collector ( ( XXXX XXXX XXXX Option 2 ) told me they have never seen a mortgage company calculate escrow by bills paid annually rather that Fiscal Year. My property tax only increased by {$80.00}. 

PennyMac is making me pay them {$1200.00} for a {$100.00} dollar annual increase Taxes and insurance. ( They have asked me to make payments of {$670.00} + {$280.00}, along with increasing my monthly escrow/mortgage payment by {$39.00} XXXX {$310.00} ). These additional payments are not justified. 

My property tax did increase between XXXX and XXXX - and I calculate a {$40.00} shortage between what I paid in and what my taxes/insurance actually were. In XXXX, I will be paying into my escrow account {$1100.00} ( {$290.00} XXXX thru XXXX XXXX + {$2700.00} XXXX {$330.00} XXXX thru XXXX XXXX for a total annual escrow balance of {$3800.00}. My XXXX property tax has already been set by the town and it is {$3100.00}. My insurance is {$900.00}. I will be {$150.00} short. 

PennyMac is making me pay {$1200.00}. With the shortages paid {$190.00} XXXX {$40.00} + XXXX ) ... ... PennyMac will be getting an additional {$1000.00} for escrow reserves, which is much more than they need. 

PennyMac is only required to have 2 months in escrow reserves - which comes to {$670.00}.

Therefore, I would like the Escrow Reserve over payment {$400.00} returned to me.
Consumer complaint received 2021-01-21
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: Experian Information Solutions Inc. (TX)

Experian, XXXX, and XXXX  are not properly investigating my claims. I have been saying for years XXXX XXXX and XXXX XXXX were using illegal tactics to recover on a debt. 

XXXX  XXXX, held the debt longer than necessary. They held a debt for 3 years. 3 years when they could have sent it after 120 days. 

Instead of 3 months, they waited 3 years to maximize the amount of damage they could do. XXXX is a willing participant because they acquire POCKETS/PACKAGES of debt in bulk without doing research on each individual account. 

It is absolutely unfair and ridiculous that they were willing to go hand in hand with borderline fraudulent or at least malicious activity. Stop it. Youre better than that.
Consumer complaint received 2021-10-18
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. (MO)

My identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 2024-09-02
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Ive tried to have any fraud alerts including extended fraud alerts removed from my credit reports but all three CRAs havent removed anything. I also asked that the Personal Statement be deleted as well because I never asked that any personal statements be listed on my reports. Ive received confirmations that things are removed but when I try to verify a fraud alert was removed it had been turned into and extended alert. Ill include confirmation images below. Ive contacted all over the phone as well as electronically.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My bank and credit cards were stolen, whilst staying at an XXXX XXXX. I reported what happened to my Capital One Credit Card and supplied them with the police report, the court records, the XXXX XXXX investigation, including my correspondence with them, and my XXXX Bank Statement, including the outcome of their investigation. 

Capital One stated that it was not enough information, even though the court records and police reports states that the suspect confessed to stealing my bank & credit cards, and using them without my permission. Capital One when one to further state, that I am liable for those fraudulent charges.
Consumer complaint received 2023-06-30
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. (NC)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CHILD SUPPORT ENF AG/N Account Number XXXX XXXX Please remove it from my credit report. 


1. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-10-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Experian Information Solutions Inc. (GA)

Experian has two car rwpos that did not follow any state notices 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Also these collection agencies or trying to aue mw in court one has dropped the case when I notofoed them of the notices because they know they are wrong.
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off. 

Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal. 

To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent XXXX XXXX XXXX could do to my credit history. 

I am never, ever, going to pay 3 times to two different entities regarding the same transaction. 

There is no way this is okay. It feels like a Pre XXXX era attempt to get low income minorities to falter on their debts. A consistent issues with Capital One and other banking institutions. 

I am not going to pay Capital One for that card again. I already have another card. With them. The payment history is immaculate. 

XXXX XXXX XXXX should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my XXXX XXXX. 

They should be ashamed of themselves for such sneaky and underhanded collection tactics.
Consumer complaint received 2023-07-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.