davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
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. (OH)

I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

Second Round LP was removed off my credit and not the credit bureaus have put it back on my credit. The original loan from 2012 was found to be in error. It was entire amount was removed by XXXX. This 2nd collection company put the interest on my credit report. that was subsequently removed now it reappeared on my credit. Again, I feel targeted by the credit bureaus. They refused to follow FCRA compliance initiatives and violate my rights as a consumer. The amount placed back on my credit report is XXXX
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Good Morning ; I was extremely shocked & surprised today when my fiance & I reviewed our credit report. I honestly thought that our credit was in pristine condition and therefore, we were in the process of refinancing our house and found out that we have inaccurate and negative items reporting in our Experian credit profile from XXXX XXXX XXXX XXXX XXXX XXXX Not only that we resolved this matter years ago, but by looking at our credit report, we noticed that it's reporting incomplete and unverified information. It's my understanding that when an account is in charge-off status, the " HIGH BALANCE '' should be higher than the actual balance but in this case, is reporting incorrectly. Here it's reporting High Credit : {$6100.00} vs. the actual balance is {$7400.00}. This is in violation of fcra and it can not be reported as such and it's causing this charge-off account to illegally re-aged.
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

Checked my credit report and saw a collections account that was sold from XXXX XXXX XXXX to a mysterious LVNV FUNDING stating I owe {$630.00}. I know nothing about this debt and I did not agree to any account being sold and I do have a XXXX XXXX account and I have statements dating back to XXXX where my balance was current and on time. I am requesting a debit validation letter, I would like to see my file from XXXX XXXX to check the validity of my XXXX XXXX account that was not XXXX dollars and was in fact closed by me. I never agreed to pay this LVNV FUNDING and I never have received anything from them.

-This LVNV account is not mine -I do not recognize an account with them XXXX XXXX has been paid -The balance listed is innorect -The account has been reported as of today as possible identity theft because of the collections status and amount claimed as owed and an FTC affidavit was filed oXXXX XXXXXX/XX/XXXX. 
I am asking the CFPB to investigate this matter and look into this company LVNV funding because a brief view of the company 's XXXX XXXX XXXX reccord is deeply concerning and troublesome, seems like many others are facing threats and credit reporting misinformation by them. I have never received a phone call or statement or anything from them claiming this debt, where are they obtaining my information and if they are attempting to collect a debt where is the statements being sent? This is a serious matter. 

I am invoking my rights under the FCRA section 's 609, 605 as well as the accuracy of this inquiry via FCRA 623 are requested for this LVNV FUNDING on my credit report. 

I am requesting the above matter specifically my XXXX XXXX accounts entire history from date credit was applied for to date of last payment and all payments made / contract entered into date and credit limits as well as the contract of any 3rd party regarding the sake of this allegeged debt the ficticiously created and I would like all documents send to my address on file.
Consumer complaint received 2020-07-09
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021, Bank of America refused to honor a valid negotiable instrument drawn on it in violation of UCC Sec 3-104. Initially, the bank refused to cash the check. I then requested that the bank issue a Teller 's check in replacement of the check I was given, in accordance with Associated Carriages , Inc. v. International Bank of Commerce. The bank still refused to comply. I told Mr. XXXX XXXX XXXX, the Financial Center Manager, that the Bank 's refusal was illegal according to the UCC. Mr. XXXX told me that I would have to speak with a bank attorney, to which I agreed. However, then Mr. XXXX insisted that I leave the bank, without permitting me to speak with the bank 's attorney. The only legal exception to UCC Sec 3-104 is if the bank has doubts over the identity of the payee. As I requested a Teller 's Check in the same Payee name, such a defense is not valid here.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Consumer Financial Protection Bureau TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX, Pennsylvania XXXX Telephone Number : XXXX Re : XXXX XXXX XXXX XXXX  TransUnion CRA Online Paid XXXX XXXX Account  has the Incorrect Current Residential Address I, XXXX XXXX XXXX ( Complainant ) had ran my online TransUnion LLC ( TransUnion ) Credit Reporting Agency ( CRA ) paid XXXX XXXX report dated on XX/XX/XXXX, for which, displays incorrectly my current residential address as : XXXX XXXX XXXX XXXX XXXX ND XXXX ( See Exhibit A ) instead of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ND XXXX. 

However, I had noticed onto the XXXX XXXX XXXX XXXX doing business as, XXXX website that offers TransUnion CRA weekly online credit report through their direct hyperlink to which, I am able to connects to my weekly online TransUnion CRA, credit report by ways of TransUnion CRA intranet that displays my correct residential address as : XXXX XXXX XXXX, XXXX XXXX XXXX ND XXXX. 
( See Exhibit B ). 

Therefore, I had attached a copy of my redacted North Dakota Real Identification Driver License Card ( See Exhibit C ) and XXXX XXXX XXXX dated on XX/XX/XXXX ( See Exhibit D ), as TransUnion CRA legal proof or evidence ; in order for TransUnion CRA to update my paid online Credit Monitoring account because I can not dispute through with my paid online TransUnion CRAs Credit Monitoring account.
Consumer complaint received 2020-10-10
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. (MS)

I noticed outdated addresses, incorrect names and inquiries that I did not authorize on my Equifax credit report. I submitted a letter twice, one on XX/XX/2020 via mail and XX/XX/2020 via fax and mail requesting that the items be removed. I did not get a resolution into this matter. I even submitted a fraud report to let them know that there was fraudulent activity on my account but all I got back was a generic letter which was around XX/XX/2020. It took 60 days for them to respond to me, when XXXX  and XXXX  were able to remove these fraudulents inquiries and outdated information from my credit report with no problem. That is unacceptable when my credit is at risk, which may have been due to their security breach and they move so slowly to respond and when they do they do not resolve the issue at hand.I am also working with creditors in regards to accounts that do not belong to me. I understand Covid-19 but when other credit bureaus are able to respond to consumer disputes in less than 30 days, why in the world is it taking Equifax 60. Is that not a FCRA violation? I want the old information removed any incorrect spellings of my name removed and these inquiries that I did not authorized removed. I had a fraud alert placed on my credit report because of the fraudulent information that I discovered.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (UT)

The CBE group is showing a total of 26 accounts showing on my credit report and there are a total of 9 that are showing {$50.00} and they appear to be duplicates and they continue to create new accounts with the same balance and submit each of them monthly which is hitting my credit score and costing my hundreds of dollars in extra premiums and interest. There are 6 others that appear to be duplicates as well that they are doing the same thing to my account. The company has contacted me and I asked them to send me information on the debt that is owed and that I was not aware of the debts that they were trying to collect on. I have never received anything from them in regards to these accounts. I was called from this horrible company and they were rude on the phone telling me that I owed this debt and this will be pursued by a garnishment or possible legal action, which is a violation of the fair debt collection act. I asked them to stop calling me and they proceeded to continue to call me, and my husband while he is at work, when he asked them who it was they told him that they were collecting a debt for me without any verification that this was my husband or not. He asked them to stop calling him and they called him a least 3 times a day for the next week until he threatened to get an attorney for harassment. They then called my parents and my in laws and told them that I was in trouble and they needed to get a hold me as soon as they could, and asked if there was another number they can call me on, they said no and asked them to stop calling them as well, which was not followed at all. This company has continued call when asked not too, given information about what they are calling for without verification or permission, and has threatened legal action such as a garnishment against me. I want this to stop. I don't want to hear from the CBE group again and I want them to pull the collections from my credit reports for falsely reporting something that they have never proven that I owed.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (IL)

Hi! 
Since I travel overseas a lot for my own safety I requested to have the paper statement sent to my address indicated on the card application which is also my residence/business address. 
I have called the Barclays USA twice. On the first approach I was told that despite my credit cards #, the card can not be located and that is the " glitch ''. 
When I was transferred to the supervisor I was then told that the credit card # is not enough and it has to be accompanies with variety of other info in order to pull out the info on the card. When I asked why since the each individual card has a distinct phone number and that alone should be sufficient to locate a customer I was then subsequently and without warning disconnected. 
On the second approach I again verified all the info on the account and I was informed that the account can not be located. When transferred to the account supervisor I was told that the CSR will not help me but he can help me get an online access so I can do it ... ... .myself. Mind you all I am asking for is to receive a paper statement, only.. 
I believe that this situation is also racially motivated as the manner of behavior of the CSRs listed fits standard racial stereotypes which are neither professional or respectful to the degree where the customer service function is not provided and the lack of thereof is blamed on the customer. 
So in other words can the Barclays USA be kind enough to send me a paper statement since its online system is not functioning due to " glitch. '' I also hope that this situation will help Barclays USA to institute a basic elements of customer care which would require a minimal customer service standards which need to be met : i.e. please respect the customers that give you business. Or perhaps since the bank has received a XXXX XXXX bailouts it now thinks that the institution is run for the benefits of its employees ( shareholders were already screwed so they don't matter ) and not customers. I hope this also helps the bank to rethink its US side corporate structure that allows this pathology to persist. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mortgage was sold to SPS PORTFOLIO SERVICING IN XX/XX/XXXX : I noticed A problem when I begin to calculate the principal that I have paid so far on my loan and I realized that SPS PORTFOLIO SERVICING had not been applying my principal appropriately. This lead me to pull my statements from XX/XX/XXXX to current and I found other issues that I have listed below. 

ISSUE # 1 : My mortgage loan originated through XXXX XXXX XXXX XXXX in XXXX, was transfered to XXXX XXXX XXXX XXXX XXXX in XXXX and has ALWAYS been : " A SIMPLE DAILY INTEREST LOAN '' On XX/XX/XXXX as I was calculating my principal payments, I realized there was an issue and I called SPS PORTFOLIO SERVICING on XXXX XXXX : I explained the type of loan I have and the Customer Service Rep stated that " We have copies of your original note that reads your loan is a CONVENTIONAL LOAN without PMI. It accrues yearly. '' I asked in an email to the email address provide by SPS, for a copy of " the note '' that states my loan originated as a conventional loan ''. I never got those documents. 

I faxed over all my documents from XXXX XXXX statements to actual history print outs from XXXX XXXX over the years of the loan. On the statements, it says in plain english- " your loan is a daily simple interest loan ''. On EVERY SINGLE STATEMENT ISSUE # 2 : My escrow balance has been depleted for reasons nobody at SPS PORTFOLIO SERVICING can figure out. I have forced placed HAZARD AND FLOOD INSURANCE ( only because it's cheaper ) and my balance in escrow was {$1200.00} as of XX/XX/XXXX which is for hazard, flood and taxes to be paid in XX/XX/XXXX. As I am reviewing my statements, I notice that my balance as of XX/XX/XXXX is {$940.00}, with only 2 more payments of {$170.00} each til XX/XX/XXXX. This will place me in the negative for escrow. I have never been in negative. 


ISSUE # 3 : On each of the statements from XXXX XXXX, I was 2 months ahead in my payments, which doesn't matter much with daily simple interest ; however, if I ever need to go past the XXXX date-I wouldn't have to worry about a credit report negative hit. But SPS PORTFOLIO SERVICING has my due date effective XX/XX/XXXX. I have already made a payment as of XX/XX/XXXX over the phone, and the payment still has not posted. This will not work for my type of loan. Each day is crucial and costs me money. It is not my bank 's error because I paid over the phone with XXXX XXXX in the past and my payment posted the same exact day. If I didn't see it, they would correct it.
Consumer complaint received 2020-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CA)

Borrowed {$1000.00} from Mountain Summit Financial on XX/XX/2020 Repaid {$250.00} on XX/XX/2020 Repaid {$260.00} on XX/XX/2020 Repaid {$260.00} on XX/XX/2020 I still owe {$930.00} towards principal. 

I checked for my interest rate in the details of the email but I havent been provided any and when I called they didn't disclose my interest rate.
Consumer complaint received 2019-09-28
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: Experian Information Solutions Inc. (AL)

I am writing this due to non-compliance with ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-03-10
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: Resurgent Capital Services L.P. (GA)

On XX/XX/2019, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-07-09
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Consumer complaint received 2020-06-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

XXXX, XXXX, and Experian has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want XXXX, XXXX, and Experian to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed my credit report and notice an error on my credit report regarding XXXX XXXX XXXX XXXX. My report currently shows a XXXX and XXXX late payment, but it skips the XXXX late payment marker. In reality, my payments on this account were made on time, and there was no delinquency.
Consumer complaint received 2022-06-05
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX number # XXXX, Account number : 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