davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

I sent a letter requesting the validity of debt to Fair Collections & Outsourcing regarding the account Fair Collections & Out XXXX on XX/XX/2022. 
Federal law requires that collection agencies respond promptly within 30 days. It has now been 36 days since this company has received my letter as failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). I am now requesting that you DELETE this item from my credit report immediately. Additionally, you failed to validate this debt at my request, which is a FDCPA violation, and you continued to report inaccurate information. I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2022-08-04
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. (NC)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX & XXXX XXXX/XXXX/XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX CT XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA XXXX XXXX Balance : {$320.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$550.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$800.00}
Consumer complaint received 2022-08-04
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. (CA)

I received a letter from CFPB that you closed my complaint to protect my PRIVACY. I called XXXXExperian after I purchased a credit report from XXXX XXXX XXXXated XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses and accounton my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( TBOM/VT ), account # XXXX, Amount {$300.00} has violated my rights! 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2022-08-04
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 received a letter from CFPB that you closed my complaint to protect my PRIVACY. I called TransUnion/Experian after I purchased a credit report from XXXX XXXX dated XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses and accounton my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-08-04
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. (CT)

I sent a letter on XX/XX/XXXX to remove these the inaccurate information and accounts that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to deletes any accounts and inaccurate information not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$1.00} XXXX XXXXXXXX Balance : {$20.00} XXXX XXXXXXXX Balance : {$20.00} XXXXl XXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$14.00} XXXX XXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX  XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$23.00} XXXXl XXXX Balance : {$33.00} XXXX  XXXX Balance : {$23.00} XXXX  XXXX Balance : {$9.00} XXXX  XXXX Balance : {$15.00} XXXX  XXXX Balance : {$19.00} XXXX  XXXX Balance : {$33.00} XXXXl XXXX Balance : {$19.00} XXXX  XXXX Balance : {$33.00} XXXX  XXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$10.00} XXXX  XXXX Balance : {$7.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$13.00}
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Dear Sir/Madam : Please find the attached photo of a letter I received from Capital One indicating that I was denied an automobile loan. However, I did NOT apply for this loan and can not reach a human being from Capital One to tell them this application is fraudulent. I do not have any accounts with Capital One and not sure I ever have. 

I've attempted to contact Capital One using several telephone numbers. I called the number on the letter and two customer service numbers to no avail. When I've called, their system gives prompts for topics. I check " auto loan '' & it tells me I was denied and it disconnects me. Because of this, I have no idea whether it was for a new or used car, what loan amount was requested, the date of the application, or anything other information. 

You will find the reference number on the letter I'm attaching as well as my address. I'm hopeful that this complaint will initiate a response to me from Capital One as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-04
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. (PA)

It has been established that you are not interposing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (NC)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2022-08-04
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 — Problem with personal statement of dispute
Company: I.C. System, Inc. (CO)

I talked to them today around XXXX today and they told me they will remove it in 30 days but I want this negative impact removed very soon I paid everything to them now I want my credit the way it use to be.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (MO)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$440.00}
Consumer complaint received 2022-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (VA)

Loan company is unable and unwilling to provide me monthly statements. They claim that since they provided me a " coupon book '' when I got my mortgage, that they are not obliged to provide me monthly statements. They offered to mail or fax me a statement, but that they will not do this routinely nor will they make statements available on their website for me.
Consumer complaint received 2022-08-04
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. (MD)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have sent in a letter to get medical accounts removed that are in collections and have no updates. Also, they are not able to verify accounts that have medical information on them, so when they do an investigation where do they get this information from? Also I would like to have proof of this being verified and connected to me.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CO)

To I C System : My credit report has an account ( {$690.00} ) reporting that is unknown, unverified and is a violation of the FDCPA and the FCRA and MUST BE DELETED FROM MY CONSUMER REPORT. I asked for specific documents to be sent to me. This did not happen. Since you are still reporting the unknown account on my consumer report, I will be preparing to take further action for damages for each month this account has been reporting on my consumer report, up to {$1000.00} per violation. And I will be seeking for other damages as well, under the FCRA and the FDCPA. ( I C SYSTEM WILL BE LIABLE BECAUSE YOU ARE THE ONE REPORTING THE ACCOUNT TO THE CREDIT REPORTING AGENCY )
Consumer complaint received 2022-08-02
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC (WA)

My wife and I have a VA mortgage through Crosscountry Mortgage. 

We missed two mortgage payments -- one in XXXX XXXX, the second in XXXX XXXXXXXX

Crosscountry Mortgage correctly reported a rolling " 30-days late '' to the credit reporting bureaus after the XXXX XXXX payment was missed. Crosscountry Mortgage incorrectly reported a rolling " 60-days late '' status after the XXXX payment was missed.

My wife and I contacted the mortgage company in an effort to remedy the situation.

We were approved for a COVID forbearance, which was later extended.

The entire duration of the COVID forbearance ( to include the extension ) was from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX we made a mortgage payment -- during the forbearance period. 
On XX/XX/XXXX we made a second mortgage payment -- during the forbearance period. 
On XX/XX/XXXX, we made a third mortgage payment -- during the forbearance period. 

We made these payments during forbearance to bring the account current. 

Crosscountry Mortgage accepted these payments, and applied them to our loan. 
However, the mortgage lender did not ( and still hasn't ) annotated our loan as " current ''. They continued to report " 60-days late '' on our credit reports.

The incorrect information Crosscountry Mortgage reported on my credit reports has harmed ( and continues to harm ) my wife and me in the form of emotional stress, higher interest rates, closed lines of credit from other lenders, and an inability to conduct financial activity with other lending institutions.

Our credit reports should reflect a 30-day late as of XXXX XXXX, and " pays as agreed '' as of XXXX XXXX