davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
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)

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.
Consumer complaint received 2018-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

New American Funding is calling me multiple times a day about late payments and I have asked them to stop but they refuse. My car was stolen XXXX Police Department case XXXX. They refuse to accept ACH payments because I was late a few times so I have no transportation and they refuse to take payment anyway that I can pay them. I have a titanium rod in my leg from knee to ankle so walking to the bank is not an option, the wire fees are costing me {$20.00} a month on top of late fees.
Consumer complaint received 2018-11-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: International Mortgage & Finance Group, Inc. (FL)

International Mortgage & Finance Group processed an FHA loan with XXXX XXXX  for my mortgage. On the day of closing I was provided with the closing documents on the day of closing XX/XX/18 which denies me of the 3 day look and it also included cost of {$1100.00} for points reduction on my credit that was not disclosed to me. My original score was used when errors on my credit were removed and my score increased to XXXX. I was charged a rapid credit rescoring of {$150.00} and was never provided a copy of the report although it was requested. {$110.00} was refunded after the closing as the processor explained that the credit bureaus made an error in the report and only XXXX XXXX was reported, this was never given to me. I spoke with the bank and the mortgage processor on the day of closing requesting refund of the cost for credit points that they applied without my consent but they refused.
Consumer complaint received 2018-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

I have an online account at MoneyGram and attempted to log on to complete an international funds transfer. I could not log in at all and kept getting an error message saying to try again later. I called the company and after several minutes, the rep told me my account had been " permanently closed '' and that I should try another money transfer company. I asked why this occurred and was not given an answer. I asked to speak to a supervisor. The rep said none was available, but there was a person there with more " authority '' than the rep. I spoke to that person who gave me the same blanket response. He eventually said sometimes accounts are closed for the " protection of the consumer. '' I explained that I personally knew the person I was sending the funds to and asked for the close to be lifted. He said he could not do it and directed me to the website 's customer support section. I filed a complaint there, got a " support tracking number '' but have had no response. I also went in person to a MoneyGram location the next day XX/XX/18 to attempt to transfer the funds, but the transaction was cancelled and would not go through. I send funds frequently internationally, as I am a XXXX and send these funds to the people we support there. I need this service to be restored and I need to be able to access my online account.
Consumer complaint received 2018-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have multiple credit inquiries on my account that I did not authorize. I called to get them removed and was not helped by your customer service. 
The following Inquiries were not authorized by me. 
1. XXXX XXXX XX/XX/2017 2. XXXX of XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXXl XX/XX/2017 6. XXXX XX/XX/2017
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transunion has been allowing XXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX  will change a number ex XX/XX/XXXX120 days late to 160 days late and transunion says its valid. XXXX has opened and closed the account many time. Most recently changing it to closedXX/XX/XXXX dropping my score 40 pts. Transunion has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to XXXX that I owed {$2300.00}, changed the date opened and that was validated by XXXX for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma (NJ)

See attached package including a XXXX XXXX, received by company as verified by USPS XXXX of Mailing Form XXXX with a postmark date of XX/XX/2021. 

SARMA received the instrument and responded ( see last page of packet attached ) by saying they were ceasing and desisting all collections and have returned the account to their client.HOWEVERThey, along with their client, XXXX have kept the instrumentwhich facilitates discharge according to UCC 3-603 Tender of Payment. They did not send back anything other than the correspondence attached. 

Not only have they and XXXX violated numerous 15 USC laws such as : 15 USC 1692c ( a ) Communications without prior consent. {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$24000.00} 15 USC 1692b violation stating consumer owes debt {$1000.00} 15 USC 1681b Furnish consumer report circumstances and no other {$1000.00} 15 USC 1681s Responsibility of furnished of information {$1000.00} 15 USC 1692e debt collector {$1000.00} 15 USC 1681i treatment of inaccurate / unverifiable information {$1000.00} They have sent these documents through the United States Postal Service [ 18 USC 1341, 1342 As of the date of this complaint, neither SARMA, nor XXXX has returned the instrument tendered on XX/XX/2021 as verified by the USPS postmarked Certificate of Mailing.
Consumer complaint received 2018-11-07
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This dispute is in regards to the account number ending in XXXX. The account is assigned to XXXX and XXXX XXXX. When we created the online account to setup automatic payments on XX/XX/2017, we spoke to the Toyota customer service representative about setting automatic payments. As the account was being setup, what was overlooked is the fact that the start date of the payment is different from cycle date. They setup the payment cycle system after the due date on the account and made my payment late. From there Toyota financial reported it to the credit bureaus. They reported a late payment and that affected my credit report and score. Im sending this letter so that your department can look into our inquiry and remove the late payment on our credit report. We appreciate the department looking into our concern. Please if there are any questions please contact us at XXXX or at XXXX.
Consumer complaint received 2021-08-04
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: CITIBANK, N.A. (PA)

The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-11-07
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 have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices.

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started
Consumer complaint received 2018-11-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

I traded my car in on XX/XX/2018 at XXXX XXXX in XXXX ga they accepted the trade which is documented on my contract on XX/XX/2018 my payment for the traded in vehicle was due on XX/XX/2018 ( 13 ) days after i traded in the vehicle on XX/XX/2018 a late payment was recorded on me and my cosigners credit even though i had no ownership of the vehicle from XX/XX/2018 i have called the owner of the loan they say i have to get a paper from dealership i call the dealership was told they would get the document a week later i went to dealership because of no response and was informed they would get document but i may or may not help another few days go by nothing i have filled complaint with XXXX also reviewed on XXXX and now am in process of doing direct dispute with bureaus
Consumer complaint received 2018-11-07
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)

XXXX  has been allowing XXXXXXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX  illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. XXXX has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to Experian that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
Consumer complaint received 2018-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. My loan was processed through Ally. My first year I had no problems. By. XX/XX/XXXX I needed a deferment. XX/XX/XXXX I was deemed 100 % unemployable by the Veteran Affairs. This caused a decrease in my finances. All of a sudden I started getting calls for my nephew XXXX XXXX..then when I called XXXX XXXX was also attaced to my account. I spoke to a rep and she said I had two accounts, yet XXXX was suppose to be mine. We continued discussion the account and we both were very confused. She told me her supervisor was out. Well several days later I called back..this time the supervisor can't remember his name..XXXX..he got real mad with me..actually he was XXXX. He hung up on me and the next morning the car was gone. I called Ally and all they would tell me was how much I had to pay to get it bqck. I went to XXXX XXXX XXXX for help. I paid 2600 plus dollars. I called to see where my car was and they told me I also had to pay for XXXX because my payments are due on the XXXX and I paid on the XXXX. I went and sent what they told me I had to do for XXXX or I couldnt get my car. When I got it it was muddy inside and out..money and dvd player movies amd music missing..as I started driving there was a loud noise. Turned out that one of my tires tread was stripped. Days later I went to check to make sure my account was current. It showed I owed for XXXX. I called, rep told me I hadnt paid for XXXX..I told her how I got my car back..she said I didnt pay enough to cover XXXX. I asked for an english speaking rep..she told me they will tell you the same thing and hung up. This just made me think even more that Ally had 2 different set of people cheating me. I did an online chat and was told I was current and it will be fixed within 24 hours. It was. Then a female called me stating she was in charge of my account..I told her this cant be..I dont want my car taken again. She said none should have repoed your car. Another red flag. She told me to pay 400 plus on line ... the next day I got a lettersaying to send a check. Confused yet again. I sent a l3ttef to Ally and XXXX XXXX called me about my concerns. He told me there was an error and he was going to see if A payment could be added to my account ... then he told me no. I asked him wbout the XXXX that the nasty guy told me that it wasnt expected so they applied it to principal. However XXXX told me the money was from a case I won from cfbp and. the department of justice.RED FLAG. He said the case was closed but he was going to look into it and call me back. For weeks I called him and he never answered. Then I got a copy of a letter Id never seen. Everytime I call or write them about an issue EVERYONE HAS A DIFFERENT LIE. IM suffering enough as it is with my health for them to be making it worse because Im up all night looking out the window to see if the car is gone. Mrs. XXXX at XXXX on XXXX XXXX worked my case and has proof of the inconsistencies with them.
Consumer complaint received 2018-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

The original creditor for this debt is XXXX XXXX XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that Transworld ( TSI ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because XXXX XXXX XXXX ( XXXX ) was handling this account. 

I spoke with XXXX  and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when TSI is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that TSI is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with XXXX on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that TSI have been contacted with my concern and they were waiting to hear their response. I have scanned them what TSI is reporting and they said they will contact TSI again with this information. 

I am exhausted dealing with this debt that has been taken care of. If TSI is reporting this account then why is XXXX involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one credit services have pulled my credit several times in the past year and I have reached out to them regarding this I have never requested credit with capital one credit and there are over 10 inquiries on my XXXX  and XXXX report. Capital one acknowledged these inquires and were suppose to remove them from my credit file however they are still showing on both reports.