davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

I opened a credit card account at Bust Buy ( Citi Bank ) in XXXX for a purchase that was later returned, resulting in a XXXX balance. In XXXX, I made another purchase in-store, although I never received a physical card or statement. I made XXXX payment in XXXX, XXXX in XXXX, and XXXX in XXXX. During this period, I still hadnt received a card or statement. While applying for a mortgage, I discovered my credit score had dropped significantly due to a 60-day XXXX XXXX reported by Citi Bank XXXX When I contacted them, they stated no payments had been received, so I followed their advice and stopped payments made through XXXX. Later, I received correspondence confirming those payments had in fact been received but were now disputed, and I would need to make additional payments. In XXXX, I spoke with a representative who acknowledged the mistake, credited back late fees, and assured me the issue would be sent for dispute resolution, which should be documented in their records. However, on XX/XX/XXXX, I received a letter stating they disagreed and would mark my credit file accordingly. This process caused my credit score to drop by XXXX points. Additionally, the account was inaccurately reported as closed by the consumer on XXXX separate occasions, further impacting my credit. As a result, I lost the opportunity to secure a mortgage at a reasonable interest rate and couldnt purchase a home for my mother to move closer to me. I have all the necessary documentation, which Best Buy and Citi Bank should also have, as they sent letters confirming these transactions.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Received initial text message on XX/XX/19 from # ( XXXX ) XXXX claiming to be Capital One, the text addressed me using my real name, asking if Id applied for a Capital One credit card and to please respond with an answer. After I did not respond to the first text, they sent another, again using my real name, insisting that I respond urgently. Knowing that I definitely have never applied for a Capital One credit card, I brushed the text off as just a scammer considering I do receive a number of different scam calls and texts ( mostly phone calls, multiple per day ) regarding numerous things, but this text in particular did stand out as Ive not only never received any other similar calls or messages and this was the only instance where my real name was used. However, on XX/XX/19 I received in the mail an actual Capital One credit card in my name that Id absolutely and definitively never applied for, and it was mailed to my parents house in which I no longer live ( I bring up this fact because if hypothetically I were to apply for a credit card, I would have it mailed to my current address, not my parents ) I called Capital One and the automated system was unable to locate any account under my name, however the card had yet to be activated but I have no intention on activating the card. I was able to speak with a live representative on XX/XX/19 who could see that an application had in fact been filed under my name to which I was approved for and the card was sent out to me, but did not yet have an actual account since I have not activated my card. I attempted several times to speak to a supervisor which were all unsuccessful, though I was assuredly told by the rep that I spoke with that the text messages were in no way affiliated with Capital One. I intended to take further action this evening when I return from work, however my fianc who lives with me called earlier to tell me that she had received a text message from the same number listed above, referring to her as Mrs. { My real name } and asking if shed applied for a Capital One card and that a card was already in the mail to be delivered on XX/XX/19, when she responded asking for them to verify their authenticity, they requested that she send photos of the front and back of the credit card when it comes in the mail. They only referred to her as Mrs { My name } or just my name, never hers. I do not have any idea as to how they obtained her phone number or knew we were connected. I will again be contacting Capital One in an attempt to speak to a supervisor later on however I felt the need to report this incident to the proper authority.
Consumer complaint received 2024-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (IL)

I am filing this complaint against Credit Control , LLC, a debt collection agency, for their failure to validate two debts they claim I owe to XXXX XXXX XXXXXXXX, as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Despite my formal validation request, Credit Control responded that they could not validate the debts and confirmed they no longer manage the accounts. This failure to validate violates the FDCPA and has resulted in unverifiable information being reported to the credit bureaus, causing ongoing harm to my credit history, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

Details of the Complaint Debt Validation Request : On XX/XX/year>, I sent a formal debt validation request to Credit Control , LLC via certified mail. My request, sent within the 30-day period allowed under the FDCPA, specifically asked for : The name and address of the original creditor. 
Documentation demonstrating the transfer and chain of custody of the debt. 
The date of default and delinquency. 
A detailed breakdown of charges, interest, and payments. 
Confirmation of compliance with the statute of limitations. 
Proof of their authority to collect in Illinois. 
Inadequate Response : On XX/XX/year>, Credit Control responded, stating that they could not validate the debts associated with accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because they no longer manage the accounts. 
Violation of the FDCPA : Under 15 U.S.C. 1692g ( b ), Credit Control was required to cease all collection activities and provide validation upon my request. Their inability to validate these debts demonstrates non-compliance with this law.

Violation of the FCRA : Despite their inability to validate the debts, Credit Control allowed these unverifiable debts to remain reported to the credit bureaus ( XXXX, XXXX, XXXX ). The FCRA prohibits reporting inaccurate or unverifiable information on a consumer 's credit report. 
Negative Impact on My Credit : These unverifiable debts continue to harm my credit history, negatively impacting my credit score and my ability to obtain credit under fair terms.

Credit Control , LLC has failed to comply with the FDCPA by not validating the debts and with the FCRA by allowing unverifiable information to remain on my credit report. I request the CFPBs intervention to ensure the removal of these debts from my credit history and to hold Credit Control accountable for their actions. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (OH)

My mother and I are in debt because U.S. Bank Home Mortgage keeps telling us lies. I need a lawyer to help me. The attachment shows how far US Bank has kept us in debt. We are not even allowed to take our money and have no option to choose. I would appreciate it if you could call me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the dates starting XXXX XXXX into present
Consumer complaint received 2019-07-02
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. (NY)

XXXX and Transunion is purposely disobeying the FCRA 605 ( B )  Laws. XXXX and Transunion has received all the necessary documents on my behalf to validate my identity being stolen, in relation to some fraud accounts showing on my report. XXXX  and Transunion staff members verbally said they received the documents on XX/XX/2019 and thus XXXX  hasn't blocked/removed anything! Transunion has removed everything needed but a XXXX acct, furthermore they both are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They would totally disregard the laws morality and my own anguish, so I thus have been forced to keep multiple fraudulent accounts on my profile through their own discretion.
Consumer complaint received 2024-10-21
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. (FL)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 



XXXX XXXX  XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-07-01
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)

I have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately
Consumer complaint received 2019-07-01
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. (GA)

I have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2019-07-01
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. (ND)

XXXX  and Transunion are reporting incorrectly ( 60 ) days past due on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2019-07-01
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)

FTC VIOLATIONS! INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THESE ACCOUNT! FTC WAS SENT THEN TRANSUNION PUT THEM AS COLLECTIONS. PLEASE HAVE THESE REMOVED! THESE HAVE BEEN REMOVE BEFORE AND TRANSUNION PUT THEM BACK ON! PLEASE HELP! 

1.XXXX XXXX XXXX # XXXX {$210.00} 2.XXXX XXXX # XXXX. {$65.00} 3. XXXX XXXX XXXX # XXXX {$630.00} 4.XXXX {$73.00} 5.XXXX XXXX XXXX # XXXX {$6800.00}
Consumer complaint received 2020-09-01
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. (OH)

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : 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.The following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Consumer complaint received 2019-07-01
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. (MA)

To XXXX, XXXX, and TransUnion. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX themselves reported that my last payment received was dated on XX/XX/17 yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( XXXX  ) while others have not since updated that original XXXX  credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX  XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!
Consumer complaint received 2024-12-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NJ)

Hi, I recently received notification that my credit score dropped by XXXX points, from XXXX to XXXX, due to a derogatory mark associated with a {$360.00} collection from your company. This has come as a shock, as I have always paid my bills on time and maintained a high credit score for years. 

Upon further investigation through XXXX, I found that the debt in question originates from XXXX XXXX XXXX I contacted XXXX, and their agent confirmed that the account in question is under XXXX XXXX XXXX, associated with the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The billing name, email, and payment information all belong to him, not me. I believe this is a clear case of human error. Just to make it clear, I am not a U.S. citizen, and when I left the U.S. in XX/XX/year>, I explicitly requested to close the account. The agent spoke with XXXX XXXX and transferred the account, but all bills, credit card payments, and emails were still under his name, not mine. 

You can verify this information by speaking with XXXX  directly. The agent I spoke with confirmed that the email and billing details are under XXXX XXXX ' name, and you may contact him for further information at ( XXXX ) XXXX. 

I recently returned to the U.S. after living abroad for four years and have been back for just over a year. This unexpected and inaccurate collection is causing me significant distress, and I kindly request your immediate assistance in resolving this matter. 

Please contact me via email at XXXX or by phone at ( XXXX ) XXXX. I currently reside in New Jersey and can provide additional documentation if needed. 

Thank you for your attention to this matter. 

Best regards, XXXX XXXX