davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: On-Site Manager, Inc. (WA)

My spouse and I received our discharge from our Chapter XXXX Bankruptcy on XX/XX/XXXX. At the time of our filing, we were staying in an apartment, which was included in our bankruptcy. We were evicted and ended up in a homeless shelter. Fortunately, we were able to enter into a program that would help us stabilize our housing situation and the management company of our new apartment was aware of our bankruptcy. In XX/XX/XXXX, we attempted to move away from our current housing situation because our kids are getting older and need separate sleeping spaces. We applied for a new apartment, totally unaware that On-Site 's rental report included the debt from the apartments from which we were evicted and was included in our bankruptcy. My spouse went to XXXX County in XX/XX/XXXX with our bankruptcy paperwork and received something called an " Abstract of Judgement, '' which states that we were in fact cleared via the bankruptcy and no longer owe any monies to the apartment that we were evicted from. The rental report came back denied, I spoke with someone from On-Site ( XX/XX/XXXX ) and explained this to them, they told me that they never heard of such a document as an " Abstract of Judgement '' and where did the form originate. I let them know that the form originated from XXXX County Courthouse and that I was going to dispute their findings. After speaking with representatives a few times, they chose to communicate with me via email only. On-Site sent me a determination via email and would not return any more of my phone calls. Because many apartments use " On-Site ''  for rental reporting, my family is even more limited as to where we can live ... which is totally absurd and discriminatory. This information should not still be appearing on our rental history, especially since it was cleared via Chapter XXXX Bankruptcy and via the " Abstract of Judgement '' received by XXXX County.
Consumer complaint received 2018-01-25
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. (GA)

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to Equifax and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Consumer complaint received 2018-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (TX)

XXXX XXXX XXXX - XX/XX/XXXX {$660.00} {$290.00} -XX/XX/XXXX {$250.00} {$61.00} -XX/XX/XXXX {$150.00} {$120.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} I sent a debt validation letter to XXXX XXXX XXXX via certified mail requesting that the company provide a breakdown of fees, collection costs and medical charges. I also requested that I be provided a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. To date, I have not received the requested validation of the debts and HIPAA authorization as allowed by the Fair Debt Collection Practices Act.
Consumer complaint received 2018-01-25
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. (GA)

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

To Whom It May Concern : I sent a certified debt validation letter to XXXX XXXX XXXX that was delivered on XXXX/XXXX/XXXX. This letter advised that I recently pulled my credit and noticed a collection from their company. By law, they 're required to validate the debt, not verify. I received a mailing from them dated XXXX/XXXX/XXXX and it was a front/back page copy of a bill from XXXX. This type of information is n't sufficient for debt validation. Especially in the event of identity theft. 

I then sent a certified method of validation to Equifax and the letter requested that they send me proof of all records in their files for the above referenced account establishing the method used to validate debt. I am required this information by law. 

Equifax did not send me such validation of debt. Instead, they sent me an updated credit report, advising the debt has been " verified '', not validated. 

I 've sent the same " method of validation '' letter to both XXXX and XXXX and they 've both, since, deleted the above referenced account from my report. 

I 've attached copies of the letter sent to the collection agency/Equifax, a copy of the documents received by the collection agency and records from XXXX/XXXX showing this same file was deleted by them. 

Thank you
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. Collections West, Inc. (OR)

On XX/XX/2018 @ XXXX PST I was contacted by XXXX XXXX XXXX ( XXXX ) XXXX with US Collections West. XXXX XXXX stated that I owed $ XXXX for an unknown debt and that I had a judgment against me and that I needed to set up a payment arraignment. I requested a debt validation and was told by XXXX XXXX that he and the company he represents did not have to provide that to me and which I refuted based on my understand of the FCRA requirements. I told him that I have no knowledge of what he's talking about and that I would like written validation to be sent to me of this debt. Again I was told that I didn't have a right to that, while he implied that my living in Arizona at one point was all the proof that he needed. That I was going to be garnished and that they would continue to come after me for the next 10 years until US Collections West received $ XXXX. He then hung up on me and my subsequent attempts to request a debt validation were refused and I had the phone hung up on in my face.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AL)

Ive sent out certified letters to XXXX XXXX XXXX for a collection account thats reporting {$840.00} of false debt!! I have never received any info on this debt! They will not respond to my letters! maybe because their physical address theyre reporting is a non deliverable address and so I have sent letters to their P.O. Box and someone has picked them up but Im afraid that the P.O. Box is someone elses and now they have my SS number and full name as well address!! The post office screen said INVALID address for their physical address!! I wasnt aware of this on my credit until This XX/XX/XXXX! all this time this false collection company is reporting inaccurate information!! Ive asked for documentation with my signature but have yet to receive anything!!
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX
Consumer complaint received 2018-11-27
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. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC .
Consumer complaint received 2018-01-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (TX)

On XXXX XXXX, XXXX I went into the US Bank branch to open a new credit card. XXXX XXXX, the banker, helped me open the account and successfully got the credit card approved. After which he mentioned another product to me. Initially I declined, but after hearing his spiel and reassuring me three times that there would not be another credit inquiry done on my credit report, I went ahead and agreed to open the personal line of credit ( PLOC ) and was approved. 

When I got home later in the day, I checked my credit report and saw that there were two inquiries done. I quickly called XXXX back and let him know. He said he would be looking into it. It took 4 weeks of back and forth with XXXX and various US Bank consumer report calls for them to officially open a dispute. On XXXX XXXX, XXXX. They formally opened the dispute. 

Sometime in XXXX I received a letter from US Bank stating that my dispute was denied. I called XXXX back once again and he said he would find out the issue and get back to me. After about 2 weeks of not hearing back I called the US Bank consumer report center directly at XXXX and they informed me the dispute was for the inquiry and because the inquiry was valid as a result of the new account, it could not be removed. I explained my frustration and they said they would be opening a new dispute to close the account and then remove the inquiry. I agreed. On XXXX XXXX, XXXX they opened the second dispute. 

Sometime in late XXXX I received another letter stating that my dispute had, once again, been denied. I called the department and they said that they were waiting on documentation from the banker, XXXX XXXX, to submit so they could process the closure and remove the inquiry. The banker, had already confirmed that the error was on his part, but they still needed whatever additional documentation. They told me they would be " escalating '' it and it could take a few days before that was completed. They were/are basically holding the resolution on the actions, of an individual I have no control over, who is also one of their employees. 

After two weeks of not hearing back, I finally called back today, XXXX XXXX, XXXX, to inquire about the status. They told me that there was no notes in the dispute about why it was denied, or what was going on with the account. They have once again " escalated '' it to be reviewed. 

Frankly, it has been almost 6 months. If it was only one bankers lack of knowledge that caused this issue, I would not be writing this message. This is my last resort as there seems to be a central flaw in US Banks policies and procedures regarding matters of this sort. They do n't seem to care or want to acknowledge that they made a mistake and resolve this.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (WI)

My new car has been paid on time every month since I purchased it. Its showing its 90days late when Ive never been 30days late on this car. My credit report is now showing 3+ months late, when I have previous credit reports and bank statements that show it has never been 30days late.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I mailed Experian a signed letter dated XX/XX/17 asking for a review of 3 suspicious items on my credit report. 

They sent me back a letter stating that they believe my letter to them was " suspicious '' and a possible case of identity theft so they will disregard it and deem all future mail correspondence from me as suspicious. They basically made it very clear that they will ignore any contact from me by mail and directed me to submit my disputes by phone or website requests only. 

I do n't think it 's lawful to prevent me from corresponding by mail and limit me to phone and website contact. I prefer to have a written paper record when engaging in business matters. I clearly identified myself to them and presented all pertinent identification data ( DOB, SS #, Address, Account numbers ) so I do n't agree with their determination. 

I responded to them by mail and am awaiting an answer. I also informed them that I filed a complaint with the Consumer Financial Protection Bureau. 

Please Please help me!!!
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When the XXXX breach happened, it was recommended to put security freezes on our accounts with the big 3 credit bureaus. Whereas XXXX and XXXX allowed this for free, TransUnion wanted {$10.00}, but they would put a " Security Lock '' on my account for free, so I did that. Upon attempting later to remove that lock, the online TransUnion account that it had me set up, would not allow me to remove it, only to change it to a Freeze for {$10.00}. I called the listed number. It took 4 separate calls to different numbers. Each time, I was put on hold, then had to give all my identification verification information, then was told I needed to be transferred to another department, was transferred, put on hold again, then had to give all my identification verification information again, then was told I had to call a different number. Every time, it seemed I was getting to the same initial department, and transferred to the same second department. All were offshore call centers. On the 4th call, the second department successfully removed the lock. This was a very abusive experience.
Consumer complaint received 2018-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

The companys name is portfolio rc. A bad debt happened to me and I am on XXXX from social security only. All of my assets are 1 car and 1 home. I am upside down on these debts. My mother helps me with those two payments as my SSI is not enough to cover them. XXXX was original CC ompany. They closed the account. Now this company Portfolio has called me while I was in hospital, I have 2 doctors and 2 nurses as witnesses. I can not pay the amounts they require, due my medications and 20 % match with XXXX. Please help.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I am writing in response to your recent communication dated XX/XX/year>, in which my request to block information in my credit report due to identity theft was denied. I submitted a valid Federal Trade Commission ( FTC ) Identity Theft Report and all the required supporting documentation, as mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. According to the FCRA, upon receiving a proper identity theft report, the credit reporting agency must block the reporting of information resulting from identity theft within four business days. Your letter claims you are unable to verify my identity due to the information. You have requested a copy of my social security card and a type of identification to confirm my address. I have attached them below along with the letter I received from Equifax and request immediate block of the accounts listed. The fraudulent information includes the XXXX account with an amount of {$680.00}, the XXXX XXXX XXXX XXXX account with an amount of {$4300.00}, and the XXXX XXXX account with an amount of {$6800.00}. Additionally, a second XXXX XXXX account under account number XXXX with an amount of {$10000.00} is also fraudulent. 

The Credit bureaus are attempting to stall investigation by sending stall letters that have no merit. There is a decent paper trail I will be filing with the state attorneys office for all damages soon as this issue is unable to get resolved.