davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

After initiating an OPEN END CONSUMER TRANSACTION XX/XX/2022 ; the consumer has still not received any correspondence, nor was there ever a Notice received, regarding the adverse action taken against the consumer. As pursuant to 12 CFR 1002.9 ( a ) ( 1 ) : a creditor MUST notify the applicant of adverse action within 30 days. Not only has the company broken the law by essentially denying consumer of the right to extend credit ( without notice ) via OPEN END CONSUMER TRANSACTION but there has been continued unauthorized use of the consumers credit card, as it is defined in the TRUTH IN LENDING ACT. This company also shared consumers personal information with other companies who also were never authorized to have access to such information ; as evidenced by the inquiries which are attached to this complaint. Despite the constant use of the consumers personal information ; thre has been NO BENEFIT to the consumer ; which is UNLAWFUL
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

These accounts are not mine and were opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : AMERICAN EXPRESS Account Number : XXXX Charge Amount : {$2600.00} Date Opened : XX/XX/XXXX Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft AMERICAN EXPRESS Account Number : XXXX Charge Amount : {$4000.00} Date Opened : XX/XX/XXXX Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I REQUESTED FOR DEBT VALIDATION OF CLAIM ACCORDING TO 15 U.S.C 1692G. 
I DONT KNOW THIS COMPANY AND I DONT OWE THEM.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

In accordance with the Fair Credit Reporting act 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 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 2021-11-16
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. (LA)

Your company is currently reporting a bankruptcy under my public records under the premise that on XX/XX/2021, the data furnisher XXXX XXXX supplied you with truthful, accurate data to VERIFY the ACCURACY of the information you are reporting on my file which allowed your company to close my dispute with no changes. Your response was that the data furnisher verified the information. How could this be? Attached to this letter will be my XXXX consumer file from before and after this event. ( see section 8- Bankruptcy Records ). This clearly proves that the notion that XXXX provided you with data is a falsehood. There was no data to provide! Please note that I have also been provided the procedures from the court that state that they DO NOT provide ANY records or VERY any records for the credit bureaus. 
During my call with your rep she told me that even though the data furnisher did not verify the account, it would not come off because the company does not know why if there was a public record there before, there is no public record now. This is just a poor and unacceptable response to being in the wrong. The duty is yours to provide accurate data! 
I am sending this letter demanding that you either delete the entry or provide documentary evidence showing that the account was verified. Show me a copy of the documents with the time stamp used to verify the account. Based on the call with your employee, you can choose to report UNVERIFIED information? What made you choose this for me? Now I must question your ethical practices of how you are choosing whos unverified information stays and whos gets deleted! 
Section 609 of the FCRA requires the credit reporting agency to send a copy of the documents used to verify the account and the FCRA states they are required to delete all unverified items. If you do not have documents to verify the account the day you said you verified the account, that means you did not verify the account and the account MUST be deleted. I have not given direct written consent to report any alleged unverified accounts on my consumer report. To do so means you have infringed upon my consumer right to privacy pursuant 15 usc 1692a. Anyone else sending inaccurate information is being false, deceptive, and misleading pursuant 15 usc 1692e.
Consumer complaint received 2022-07-22
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)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 connot furnish an account without my written instruction.
Consumer complaint received 2019-10-23
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. (CT)

Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX XXXX  to no avail and I now need help from their regulator.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

In late XX/XX/2020, I accidentally submitted two electronic payments from my bank, XXXX XXXX, to my mortgage servicer, Loan Care ( NMLS # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX ) The first was the correct payment amount of {$2700.00} and the second added an extra " XXXX '', i.e. {$27000.00}. 

When I discovered this I immediately called my bank to see if they could halt or suspend the payment. They attemped to do so and were unable to. 

Both payments cleared by bank on XX/XX/2020 and were " GOOD FUNDS ''.

XXXX XXXX suggested I call Loan Care and ask them to refund the 2nd over payment. I did so, and they told me to email a request to " XXXX ''. I did that, and they replied stating that they needed a bank statement. At that time, I had not received the bank statement yet but sent them a 'screen shot '' of my bank portal showing the transaction clearing the bank. That apparently wasn't good enough. They replied with a closed " ticket XXXX ''. 

On XX/XX/XXXX, I contacted XXXX XXXX and an agent and I together called Loan Care in an attempt to solve the issue. We were unable to get the issue resolved with the agent, and we asked to be transferred to a supervisor. XXXX XXXX both faxed and emailed documentation that Loan Care requested. 

With each question the XXXX XXXX representative and I asked, more obstacles were presented by the agent, couldn't be refunded to the bank, had to be sent by check, takes a minumum of 10 days, fax might not be found, delay delay, etc., etc. To say the process was frustrating was an understatement. 

The Supervisor eventually found the information XXXX XXXX sent and started a new " ticket '' number XXXX. At the end of the call, however, we felt that the new ticket would be resolved. 

That was 2 and 1/2 weeks ago, and NO communication has come from Loan care. They have refused to return the overpayment. I notified them on the XXXX that if I did not have the refund by XX/XX/XXXX I would be contact the CFPB. That didn't phase them one little bit. 

I do hope you can help. 

Than you. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (VA)

I have contacted Collection Bureau of America via certified mail requesting validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore if Collection Bureau of America can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

THE CBE GROUP XXXX I was a victim of fraud and have attached the document from a ID thief case I have never done any business with CBE GROUP or XXXX XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.
Consumer complaint received 2022-03-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

Started refi process on XX/XX/2022 with Amerisave. Submitted documents required electronically. Paid {$420.00} Appraisal fee. 
Didn't hear from them on XX/XX/2022, this actually allowed me time to think they seemed shady. I currently have a fixed rate XXXX percent mortgage, and this one with Amerisave would be adjustable. 
I initially entered online I desired about $ XXXX cash out XXXX, and was offered $ XXXX by Amerisave. 
Not getting a warm and fuzzy, on the morning of XX/XX/2022, i emailed and requested cancellation of the entire process and a refund of my {$420.00}. They assured me a refund was forthcoming. I am not getting a reply from them now. 
No appraisal was performed pr scheduled from XX/XX/2022 to the time I requested to cancel my application on XX/XX/2022. 
I want a refund of the XXXX
Consumer complaint received 2022-07-23
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I have written two letters to this debt collection company specifying to them that this debt does not belong to me. I have never contracted the services of this medical vendor but in fact it was my daughter who has. 

I sent two letters dated XX/XX/2020 and XX/XX/2020 stating that this is not my debt and that you would need to send documentation proving that it belongs to me. Otherwise close the account and remove the item from my credit reports.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am confused by how no one has corrected this problem. I have been studying my credit for the last year and I have come to find out that all three bureaus are not reporting the correct score at all. These establishments have the trust of millions of consumers and they are deceiving us with inconsistencies and incorrect scores. Each bureau reports a score on their website. If the score looks favorable to the consumer, they apply for something that they have been waiting for when their score is up. But, that score is NOT what their score is. So, that consumer gets a inquiry ding that last for years, keeping them with a bad credit score. This has to be fixed. People are in debt because their credit score cant rise because of the misinformation the bureaus are reporting. I have been a victim of fraud on my report for years and just like other consumers, Im tired of it!!! THE BUREAUS ARE NOT REPORTING THE CORRECT CREDIT SCORES!!!!!!!
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is not Reporting my Credit Limit, Credit Limit is {$4400.00}, XXXX  is Reporting XXXX as my Credit Limit for which isnt True
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

Owed American Express the payment was on time was not late was advsed by a Representative that the payment was not received when it fact it had been. Called my bank they cofirmed the payment to be recieved by American Express. Spoke with another Representative at American Express and was advised that the account would be closed.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
Consumer complaint received 2020-08-25
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. (GA)

The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX , XXXX . 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX ( please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; XXXX, Experian and XXXX. I have also reached out to XXXX  over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX  over several months.
Consumer complaint received 2020-08-25
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. (GA)

The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX XXXX please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; Equifax, XXXX and XXXX. I have also reached out to XXXX over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX   over several months.