davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

XX/XX/XXXX a servicer bank filed a foreclosure on my home. I defended our home prose from XXXX XXXX to XXXX XXXX. Then XXXX XXXX XXXX. ( XXXX ) granted a covid forbearance, then XXXX offered a loan Mod. ( LM ). Three months trial XXXX XXXX, which I paid. March a LM  was sent along with a 4th " post-trial '' payment amt. I had several issues with the unilateral items in the LM, I detailed each item enclosed the 4th payment with my letter of concerns. XXXX, XXXX, XXXX, ratified payments were accepted. On XXXX XXXX XXXX  notified me they were transferring my loan to Mr. Cooper bank they wrote " everything will stay the same '' But it did not stay the same. Mr. Cooper refused my 7th payment of {$1500.00}, and increased my amount to {$160000.00}! To be sure this is an impossible amount for me to pay. After a decade of XXXX XXXX offering to make payments, being under the threat of being publicly evicted into the street, we finally were making regular payments ( albeit a few details to be worked out ) but we had completed the 3 trial payments, then we paid three ratified payments only to have our loan transferred, and payments refused. It should be noted this was a predatorial loan in XXXX XXXX also I was discharged of debt in XXXX. I am XXXX, XXXX and an XXXX XXXX XXXX XXXX XXXX XXXX. The bank recently said " you haven't paid in years '' but I TRIED many times, on the record.
Consumer complaint received 2022-09-26
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. (CO)

XXXX XXXX stated that the payment for XXXX was never received, however XX/XX/XXXX a payment for the entire amount of the loan was sent. We did a buyout of our lease only to find out they would not except the payment. They did not send the money back to the loan company for almost 2 months even though I kept calling XXXX to send the money back. I was under the assumption the account was paid in full which is why no payment was sent. As a matter of fact because the account showed no balance I did not have the option to pay anything because there was nothing to pay. The account was reopened by XXXX after 2 months before the money was given back. It is not fair to say I dont pay when I didnt have the option to pay because there was no balance. I am attaching the response from the finance company as proof.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm submitting this complaint in response to the Credit Bureaus ' most recent investigation. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting additional information from the Credit Bureau about these specific accounts in question since I am not confident that enough was done to genuinely contact the creditors who are reporting these inaccurate information on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report includes the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/201XXXX XXXX
Consumer complaint received 2024-12-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF BISMARCK, INC. (ND)

Back in XXXX  I had a medical bill through XXXX XXXX XXXX get sent to collections at The Credit Buraeu of Bismark in XXXX North Dakota, I was informed by my Sheriff of this via being served the papers on XX/XX/XXXXXXXX XXXX XXXX XXXX so on XX/XX/XXXXXXXX XXXX XXXX I went in and paid my bill with XXXX XXXX in full. Nearly 4 years later I get my bank account garnished, after an investigation on my part it was due to this XXXX XXXX bill. The Credit Buraeu of Bismarck was never informed my bill was paid, and when they called to asked, all they asked was " has he made any recent payments '' so it occurred the incorrect amount of interest over time. I only yet owe a fraction of what they said I owed because of the serving fee and the interest on that instead of the nearly {$2700.00} they claimed I owe, so they emptied my bank account in a Garnish, taking more than what I currently, actively owe. After much back and forth between The Credit Bureau of Bismarck and my bank, this got cleared up and I was informed I would be getting my money back, but it still took me 3 days to get the money back even though they had said they sent over information. I did not have a single dollar to my name for 3 whole days due to this trip on their part. Between the not confirming the amount owed and the seemingly intentional lack of truth and professionalism during this process has made this an incredibly difficult ordeal.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PR)

Since 2016 I've been trying to validate with Experian the Public record XXXX XXXX th posted in my credit report. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that accounts belong to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX. They sent my consumer disclosure report which shows clearly that I dont have any bankruptcy in my records. Also, I contact U.S Court Puerto Rico and sent me a letter expressing that any local or federal court does not report or give any kind of information to the Credit Bureau or anyone else. However, theyre still reporting it. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that they contacted, address method of verification and still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in Puerto Rico instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ) To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.
Consumer complaint received 2022-09-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

The late payment information that the creditor is supplying to the CRA 's is causing stress & hardship due to the effects it's having on my credit report. Per Billing Error 15 U.S. Code 1666b, the creditor is illegally reporting the transaction on my consumer credit report & I demand to have the illegal late payment removed.

In addition, under 15 U.S. Code 1681b, there has been no written consent or permission to report this inaccurate information to my credit report, which accounts for grounds of removal.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX bank Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

Attempted to contact company several times and have not received a response from anyone. 
Company : XXXX XXXX was acquired by XXXX XXXX. Neither company is helping us to get a lien release for a vehicle that's been paid off for over 20 years.
Consumer complaint received 2022-10-02
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. (SC)

I am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have 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 an 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 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 the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

My father always submits a money order of $ XXXX to Discover credit card company via mail. 
With a GOOD credit score and no late payments, my father has not had any issues except on XX/XX/2022 at XXXX, Discover sent a message acknowledging of payment received. 

XX/XX/2022, my father 's card did not work, so he called and found out that Discover received the payment BUT, since the last 4 digits of the money order did not match with XXXX, ( which is a bank that XXXX check cashing services is contracted under ), deemed it unauthorized, Discover shredded and dismantled the check without giving any knowledge in writing to my father whatsoever. 

My father called numerous times, spoke with 4 customer service agents, 2 billing agents, 2 supervisors, 1 personnel had an answer to why the LAST 4 DIGITS of the money order was considered to be UNAUTHORIZED by XXXX, which resulted in shredding/dismantling the money order. 
This contradicts because on my father 's Discover account, the records show Discover receiving payment on XXXX XX/XX/2022 XXXX. 

Since the money order account with PLS check cashing place is in an " open '' status, Discover was supposed to send an email and mail explaining why they have shredded and dismantled the money order check. 

This is negligence on Discover 's end because they received payment, posted payment, but since last 4 digits of the money order was considered unautnorized they dismantled the money order? 2 supervisors also noted that my father has never been late on payments. 

None of the supervisors can figure out why the money order was shredded nor was there any proof in writing submitted to my father, so he may be able to take the proof, close the current money order " open '' status and create another money order to be sent out to Discover. 

At this time, nobody has a direct answer or resolution to fix this ongoing issue.
Consumer complaint received 2022-10-02
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. (AL)

In accordance with the Fair Credit Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the account # XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-09-26
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: CITIBANK, N.A. (TX)

XXXX Opened XX/XX/XXXX Account XXXX XXXX - this account is not mine Macys Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.

US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2022-10-02
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. (WA)

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : 1. XXXX XXXX XXXX *Account # XXXX 2. XXXX XXXX *Account # XXXX 3. XXXX XXXX *Account # XXXX 4. XXXX XXXX XXXX *Account # XXXX 5. XXXX XXXX *Account # XXXX 6. XXXX XXXX *Account # XXXX 7. XXXX XXXX *Account # XXXX 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 2022-10-02
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Report # XXXX Since XX/XX/2022. I contacted the credit bureau to correct the wrong information on my credit report TILL date they have not fixed the inaccurate personal data. 
Wrong names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Inaccurate addresses XXXXXXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-10-02
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 — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (GA)

My wife and I answered a promotion for trading in our phones for newer ones. After an hour and a half we found out that XXXX would not put the value of our phones in the contract so we stated that we would look elsewhere. We did not sign a contract or commit to anything with either XXXX XXXX  or XXXX XXXX XXXX. Later that day the XXXX XXXX sales person called and stated that she was not able to stop shipment of XXXX phones ; but she did cancel the account being set up. She ask would I ship the phones back when I received them She had been courteous and professional with us and I said I would.I received a package from either XXXX XXXX  or XXXX XXXX XXXX about XXXX or XXXX days later. I did not open the package and took it to the XXXX XXXX  store and they would not ship it back. The next day I took the package to a large XXXX XXXX XXXX store. I took an hour in the Que before I was waited on and they told me to take the package to the XXXX store in XXXX XXXX and they would ship it back in the special program set up for this. About a week before I had shipped XXXX pieces of equipment to XXXX XXXX XXXX when they would not set up and get wifi and TV equipment running in my home. About a month or XXXX I received a bill from XXXX XXXX XXXX for {$790.00}. I had not signed a contract with XXXX XXXX or XXXX XXXX XXXX so I did not pay it. About a month later I receive a letter from XXXX XXXX XXXX, XXXX XXXX Mi stating that they would be collecting {$790.00}. 
I wrote XXXX back stating that I did not sign a contract and had in writing from the XXXX XXXX sales person the deal was not consmate. That I did ship the phones back as requested. They requested shipping receipts and I sent copies. They still billed me. I ask for a contract with my signature and which credit card was charged. They sent me a phone installment plan not a contact and the signature on it was forged.I replied back that what they sent was not a contract and that it was not my signature. They still persist in billing me but they won't bill a credit card so I can fight this. So far my credit score is still XXXX with XXXX and XXXX but XXXX went to XXXX and then to XXXX and something. Can you help me ; I will send copies of everthing I have discussed. 

please help me.I am XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Phone XXXX
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Regarding the following item listed on my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2016 Status Paid, Closed. {$10.00}, XXXX written off. 
This was never written off but paid in full by the insurance company after a total loss accident. However, XXXX and Experian refuse to correct their incorrect information, despite being notified.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.