davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I am writing to get assistance with Credit Acceptance. This is my second complaint against this company. I attempted to get this account deleted from my file due to inaccurate information being reported on my credit file. In response to my first complaint Credit Acceptance sent me documentation for a vehicle that I already paid off. They are reporting a second vehicle with the same account number. 

I deployed with the Delaware Army National Guard 198th Expeditionary Signal Battalion in support of Operation Enduring Freedom ( Spartan Shield ) in XX/XX/XXXX. I got divorced prior to leaving for my deployment. This vehicle does not belong to me. My credit report shows that there has not been a payment for this vehicle since XX/XX/XXXX. 18 months of late payments have been reported. This derogatory item is negatively affecting my ability to use my VA loan to purchase my first home along with causing me anxiety due to the adverse impact is has on my credit score. I was discouraged upon my return from deployment in XXXX of XXXX, to find that my credit score was severely damaged by a vehicle that does not belong to me. It is unfair that I am being held liable for payments that violate my rights as a Servicemember. 50U.S. Code Chapter 50-Servicemembers Civil Relief Act declares in the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under section 502 ( f ) of title 32 for purposes of responding to a national emergency declared by the President and supported by Federal funds there is XXXX. Protection under installment contracts for purchase or lease and 105 Stat. 39, related to protection of persons secondarily liable. I am filing this complaint against Credit Acceptance for violating my rights under the Servicemembers Civil Relief Act. I attempted to resolve this issue myself. Please address this matter immediately. I am asking that Credit Acceptance delete this item from XXXX, XXXX, and XXXX  immediately and permanently. As a Veteran, I have served my country honorably and would like the opportunity to live a full and productive life with credit in good standing in the country that I serve.
Consumer complaint received 2021-07-14
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: Experian Information Solutions Inc. (IL)

Experian is reporting 2 bankruptcies XXXX & XXXX. After many dispute letters and calls no PROOF HAS BEEN PROVIDED. I asked for METHOD OF VERIFICATION. I disputed theses with XXXX XXXX & they since deleted bankruptcy XXXX from their record. I contacted BANKRUPTCY COURT & they expressed they do not VERIFY OR SHARE INFORMATION WITH ANY CREDIT REPORTING AGENCY or ANY OTHER THIRD PARTY .Therefore WHOM DID EXPERIAN VERIFY THROUGH .I AGAIN REQUEST METHOD OF VERIFICATION OF XXXX & XXXX.
Consumer complaint received 2021-07-14
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. (FL)

Again, just to reinforce- The credit bureaus are by law according to the FCRA and the FDCPA, to report information about the consumers ( us ) credit report with full accuracy. 

Just recently, Transunion found the XXXX XXXX account to be inaccurate and since has removed the account from my credit file because they found it to be false and fraudulent as well. 
All of the documentation that was sent XXXX and XXXX as well as Transunion and Transunion is the only company to remove the filing. Still waiting on XXXX and XXXX to remove that filing s well. The balance and the last reported date is wrong. 
Immediately Remove. 
In addition, XXXX also is inaccurate and I'm still waiting for them to be removed by XXXX, XXXX and Transunion. How can there by different dates for the last date of activity and the difference is about a year. 
Immediately Remove. 
Also, XXXX and Transunion need to remove XXXX for my credit profile. I want to see the original Note with my wet ink signature on it. Proving the validity of the account. 
Immediately remove.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

During the Covid pandemic I lost my job, I was out of work for about a year and I missed a payment from target, which had a program in place for cares act..that would not report late payments to the credit agencies and they would wave late fees during the pandemic I was not aware that the late payment was posted until recently this year, I have dispute this with target and the rep told me although the late payment met the requirements of the program they had in place during the pandemic he can not go back and fix it because it is illegal for him to remove late payments, I explain that its impacting my score and Im wanting to buy a house, I asked if he could at least put something on file stating I was impacted by Covid so it wont affect my credit score his response was no I cant because I was late and legally by law he can not remove it
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX I applied for and was approved for a balance transfer offer through XXXX. I requested to transfer the entire amount of my current American Express card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/XXXX. However, I also checked my American Express card and noticed that the balance was not paid off. I spoke with American Express and was told that they had not yet received the payment from XXXX. According to them, the account number that was provided for the American Express account was not mine. I do not know how this could be, as I only hold 1 American Express credit card. I spoke with customer service representatives from XXXX multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with XXXX on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both American Express and my current XXXX card ( including the balance transfer fee ) which both hold the same funds from my transfer. On XX/XX/XXXX, I spoke with XXXX executives and they did a three-way call with American Express. American Express was able to locate the correct account so that the funds could be routed. I was told this would take 24-48 hours. It is now XX/XX/XXXX and the money has still not been paid to American Express. XXXX has now closed the case on their end and I am now waiting for American Express to correctly pay off my account.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JTM Capital Management, LLC (DE)

I have contacted XXXX and XXXX XXXX XXXX XXXX several times requesting validation of the debt that they claim I owe. I sent letters via certified mail return receipt. They have not responded at all which is in violation of 15 USC 1692g ( a ) - Validation of Debts but continue to negatively impact my credit report. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. 

They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT. the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgements been obtained by any creditor regarding this account? 

Please provide the name and address of the bonding agent for TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT, in case legal action becomes necessary. 

I have only received a letter from XXXX stating that the debt was transferred to JTM Capital Management. JTM Capital Management has not provided me with a notification of this debt which is also a violation of my rights as a consumer. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with JTM Capital Management that says I have agreed to pay them anything.
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thrivepoint Financial Holdings, Inc. (FL)

Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.
Consumer complaint received 2021-07-13
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

I had attempted to open an XXXX credit reporting app. There was an account opened in my name at Synchrony Bank for XXXX. I have never applied for a XXXX account. I dont know or understand what XXXX is or what it is used for. I made several attempts to speak with a human at Synchrony and the system would not allow me to because I did not know an account number. However, according to XXXX there is a {$1500.00} credit card or line of credit. I NEVER applied or requested anything from XXXX. I want whatever it is that is in my name and under ss # expunged.
Consumer complaint received 2021-07-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Original issue : On XX/XX/2021, I received notification from XXXX that a collections account was added to my report called XXXX XXXX XXXX XXXX. My score decreased by 88 pts due to this. I contacted the collection agency and they basically gave me information that was incorrect. Also, dates of a payday loan I never had or heard of as well as a debt before I was even XXXX  years of age. Also, I heard loud rap music in the background. Would not give me any information as to his name, Manager, CEO information. He also stated that he was the CEO and that information was irrelevant then proceeded to hang up in my face. Phone Number I called was XXXX. 

Current issue : Called me threatening to sue me if I didnt respond to them within 24 hours. I have voicemail. I called back and they stated they will be suing me if I didnt pay the XXXX and something odd dollars. Will be filing police report in the morning. They have threaten to speak with my employer to try and garnish my wages.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage Servicing wrongly reported to the credit bureaus a late payment in XX/XX/2021. This account was in autopay and I am including proof of payment for XX/XX/2021. I called them on XX/XX/XXXX and they asked me to send proof of payment to a provided email ( also attached ), which I did. This action has damaged my credit and prevented me from refinance my current home. Also attached is a letter from Shellpoint stating that they received my inquiry, but the late payment has not been removed from my credit. It cost me over 50 points on my credit and unable to refi or purchase another property. The worst part is that this account is already paid in full but the damage of my credit remains.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (NJ)

I have debt on a XXXX XXXX  credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XXXX, 2020. Another collection agency, Credit Corp Solutions has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, Credit Corp Solutions has hired an attorney ( XXXX XXXX XXXX , XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. Credit Corp Solutions also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from Credit Corp Solutions and the date of that, as well as their attorneys letter and the date
Consumer complaint received 2021-07-13
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. (DC)

Transunion and XXXX  have allowed XXXX XXXX XXXX to report inaccurate information. It has been brought to their attention but they continue to ignore this concern. The law requires information to be accurate and timely on credit reports and if it is not it must be removed. Even after their investigation, it does not match what the creditor claims. I had to start legal action in an effort to resolve this concern.
Consumer complaint received 2022-03-21
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. (MN)

In accordance with the fair credit reporting act convergent XXXX XXXX ( Account # XXXX ), and XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

A hard hit was added to my credit for capitol one on on XX/XX/2021. I've called capitol one and was given a customer reference number XXXX to submit to reference that I've reported that the inquiry was not authorized by myself.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I recently checked my XXXX  report and there is a collection being reported by SYNCB Banana Rep.I tried reaching out to them but I havent heard anything. This account is not mine. I would like to see validation of when and who opened this account. I never signed any document to allow for this account.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Requested validation of debt several times for the company and they still have NOT provided it. Third time filing a complaint and nothing is being done. FCRA rules are not being followed. They sent me a generic copy of a bill. I asked for something showing my full name, full social security number, full date of birth, and original signature. I did not say anything about fraud. I asked to validate that the debt belongs to me. I have once again included a copy of my original validation request letter and certified mail receipt as well as the last letter sent to me from the company that still doesn't validate the debt in question. If the debt still isn't validated this time, I am well within my rights to contact an attorney. Everything is documented not only by mail but also by these complaints with the CFPB and the complaint with the FTC.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lakeside Recovery Solutions (FL)

On XX/XX/XXXX I received a phone call from my daughter saying that someone called her from Lakeside Recovery Solutions ( XXXX ) looking for me saying that the number they had on file was disconnected and were pressuring her for my number! When she said she wouldn't give it to them and that she would pass along a message, they got rude and said " well you'd better give her the message! ". She did and now I am filing this complaint. They did call my number before and my security app blocked them earlier that same day at XXXX ... .I do not know who these people are so I XX/XX/XXXXthem. Please help! Thank you!