davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mann & Carducci Co., LPA (OH)

I received a notice from the XXXX County Courts ( XX/XX/XXXX ) that there was a judgement issued against me from the State of Ohio Department of Taxation for the amount of {$3400.00}. 

This is a complaint against Mann & Carducci CO. , LPA XXXX XXXX XXXX, XXXX XXXX A XXXX, OH XXXX XXXX. I was unaware that this debt was owed. 
2. I contacted The State of Ohio Department of Taxation to ask what the debt was from, year? type of tax? etc. They did not answer my question, however referred me to the Attorney General 's office.

3. I contacted the Attorney General 's office with the same questions and received no response.

4. I called Mann & Carducci Co. and the person who I was supposed to speak with regarding this debt ( XXXX XXXX ) was unavailable for an extended period of time. I called the number that was left on XXXX XXXX ' voicemail. Called several times, left several voice mails, and received zero response. 

At this time I thought it was wise to at least send in the proper paper and small payment to stop wage garnishments. According the the judgement paperwork I had two weeks to submit this paperwork. The due date would have been XXXX XX/XX/XXXX of XXXX. 

I sent in my signed paperwork, check for {$150.00}, and two stubs on XX/XX/XXXX. 

I received back my signed paperwork, check for {$150.00} and two stubs with a note written on a post it note saying that they could not accept it because this information was due in XXXX. Please again be advised that the court documents state XXXX. 

I am now WRONGFULLY getting my wages garnished of {$370.00} per pay period. I sent in the correct paperwork within the given time and I want the garnishment to stop ASAP
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC (LA)

I received a phone call on XX/XX/year> from phone number XXXX stating they were trying to collect on debt and i was bombarded with so much information that I did not get a chance to say much. I then requested that all information be sent to me in writing, so i can verify the debt. I was told since this account was sent to several agencies then she doubted that it would happen and since i requested this on a recorded line she had to hang up and good luck. Then on XX/XX/year> I receive a voicemail from XXXX stating I need to call this company to talk about my alleged account. An again On XX/XX/year> I receive another phone call from the same number XXXX after I distinctly requested they send all information in writing. Also, they sent an email with limited information.
Consumer complaint received 2018-02-16
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. (NY)

I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Transunion has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, TransUnion must provide me with a copy of the original contract signed by and obligating me to this debt. If TransUnion can not provide such proof of debt validity, the account must be deleted form my report. TransUnion has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Account Status XXXX # XXXX Not Validated XXXX XXXX # XXXX Not Validated XXXX  XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX # XXXX Not Validated XXXX XXXX XXXX # XXXX Not Validated XXXX/XXXX XXXX # XXXX Not Validated
Consumer complaint received 2018-07-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (DE)

On XX/XX/17 I went to XXXX of XXXX for a new XXXX. During the signing of the contract I agreed to pay {$550.00} a month for the car and trade in I had. After I had signed the contract it stated {$550.00} a month. Then I get a call from the finance Co. XXXXXXXX XXXX XXXX the guy stated during the call, " he was calling to confirm the payments for {$670.00} a month. I then was frustrated because when I signed the papers it said {$550.00} with a a guy named XXXX who works at XXXX of XXXX. So I go back to XXXX of XXXX and confront XXXX during our conversation he pulls the contract out and shows it to me. I have my cousin in the room with me. So while looking at the contract my signature was change and the monthly payment also along with my trade in value and they added a {$10000.00} buy out i never agreed to. I snacted the paper off the desk and told XXXX this was not what i agreed to. He turns red aggressively asking me to return the paper. I said why did you change the information after I signed the paperwork. So then XXXX agreed to change it to {$550.00} after all the commotion. So I figured everything would be fix after this but, it wasn't XXXX done the paperwork and the next call I got from XXXX XXXX XXXX the guy says your payments or {$640.00}. So this is the 2nd XXXX change the information on the contract. I called for months up to XXXX of XXXX to speak to whoever owns the company they gave me the run around he never returned my calls at all. So I brung this issue up to XXXX XXXX XXXX. Mind you I was never late on any payments trying to figure out how to handle this issue. No lawyers in Delaware handle this kind of case which I find very strange. I tried everything. I keep reading over the contracts for months seeing how this guy XXXX XXXX me around to cheat me out of the money. I really work hard for every day. Then after months of searching I found you guys to try to help me with this issue. So XXXX of XXXX came got there car and sold it with out me knowing about this. Then they send me a bill for {$12000.00} which I do not owe them any money. I had the car 10 months payed on time everytime. I put {$4000.00} down and a trade in. They have reported false information to all 3 credit bureau, that I will liked removed. They stated to the credit bureau that this dept is in collection which is a lie and that they wrote it off as a bad dept. I haven't seen a judge for this matter at all. I had my legal office contact them on many occasions no response. The people at GM Financial left rude messages and responses when the attorneys tried to contact them and played many phone games. I would appreciate if they removed the false information from the 3 credit bureaus and quit harassing me for money I don't owe the this matter is closed with with Gm Financial and no negative remarks should be on my credit report at all. It's been on going harassment. My attorneys XXXX XXXX has been very respectful but Gm Financial hasn't cooperated at all!
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

On XX/XX/2018my account was debited automatically in the amount of {$1900.00}. On XX/XX/XXXX XX/XX/2018 I made an additional payment of {$1900.00}. My banking intstitution placed a stop-payment for the payment on XX/XX/18(  {$1900.00} ) however, the second payment made on XX/XX/18 was verified as clearing through my financial institution ( trace no. XXXX ) however HomePoint Mortgage has not applied it to my account after several attempts to speak to customer service to apply the payment. This has now reached the point where they are indicating they will report this activity to the credit agencies and have been unwilling to properly address the issue.
Consumer complaint received 2018-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC (LA)

I received a loan check in the mail from 1st Heritage located in XXXX, LA .. XXXX XXXX XXXX..in the amount of {$1200.00} it hit their bank as XX/XX/XXXX ... I repaid {$1200.00} and {$20.00} and XXXX.. They are trying to charge interest in excess of of 26 days of interest .The loan really hasn't been originated since I paid off before 30 days .. I was told on the phone that the loan was due to be repaid on XX/XX/XXXX ...  so they are definitely loan sharking. I would like them to accept the two fees and the amount of the check back as payment in full ... {$1200.00}
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

WELLS FARGO ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Consumer complaint received 2024-11-04
Product: Credit reporting 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (MD)

I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the XXXX Credit card and the XXXX credit card has been paid in-full by me.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NM)

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
Consumer complaint received 2018-04-02
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. (PA)

Transunion File # XXXX XX/XX/2018 TransUnion has on Auto Finance in the last 3 months 2 Showing I have not applied in the last 3 months or 6 months for no auto loan as showed on this credit report # XXXX date issued XX/XX/2018
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

From Januart of XX/XX/XXXXuntil XX/XX/XXXX XXXX XXXX XXXX XXXX reported my account as late when I was trying to catch up on payments. 

I attempted on many occasions to complete there mortgage adjustment process and apply for government assistance process and was consistently met with artificial obsticles and unhelpful support staff at Ocwen. They were never able to successfully qualify my account for assistance because of all of the red tape and obstacles created by their process. Additionally, in 49 states they have reached a settlement because of this abuse of customers. 

I have contacted Ocwen multiple times both in writing and by phone and inly get an automated response. I believe given their universally observed negligient behavior these late payment marks should be removed from my credit report.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is showing up on XXXX and Equifax. I have attempted to contact XXXX XXXX XXXX XXXX and XXXX XXXX, and all I got back from them was " Fill out this form '' which I did and submit it. After that, it showed up on another credit reporting agency, bringing my credit score down when I am trying to buy a car. I asked my loan officer and she said, " Fill out the form again. I don't handle disputes. '' How's that for customer service??
Consumer complaint received 2024-11-04
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. (KY)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I received my annual free credit report from XXXX XXXX, XXXX, and Experian credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
Consumer complaint received 2018-01-12
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: Prosper Marketplace, Inc. (AZ)

On XXXX/XXXX/XXXX my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX XXXX XXXX XXXX XXXX was returned to sender. 

The address on my credit report showed as XXXX XXXX XXXX  in XXXX XXXX, CA as of XXXX/XXXX/XXXX which was the date the letter was drafted. 

More than 30 days has passed without a response. Per federal regulation this item must be immediately and permanently removed from my XXXX XXXX and XXXX credit reports. Please see attached dispute and supporting docs. 
My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. I have suffered identity theft breaches in recent years and require this information. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX AND XXXX XXXX APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-02-16
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. (VA)

THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
XXXX XXXX card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Two fraudulent charges fro {$450.00} were made at the XXXX XXXX on XX/XX/XXXX using my card number. I was in possession of my card the whole time and was out of state the date that this purchase was made. Citizens Bank froze my card in response to the fraudulent charge, I then called them on XX/XX/XXXX to confirm that the fraud was fraudulent. The representative I spoke with said that the charge would be removed and that Citizens would send me a new card. I received my new card and my billing statement was updated to remove the amount. 

On my XXXX billing statement, the two charges of {$450.00} were placed back on to my account, as an " account adjustment. '' I immediately called Citizens to dispute why the charges were placed back on to my account, as I had verified them as fraudulent, and under federal law I could only be held responsible for a maximum of {$50.00} of those charges. I was not able to get a response as to why I was re-charged for these purchases, and was told that the customer representative was " emailing the fraud investigator '' and that I would hear back in 2-3 business days. I heard nothing from Citizens and called again on XX/XX/XXXX and was told the same thing, that the representative would email the fraud investigator and that it should be removed from my account. This time I was told that it would take until the end of the week ( XX/XX/XXXX ) to get a response. I again received no response, so called today, XXXX, to again follow up on this issue. I asked that the issue be escalated to a supervisor and indicated that I would be filing a complaint with the CFPB and cancelling my account.
Consumer complaint received 2018-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the account referenced as XXXX XXXX thats is stating the account was opened on XX/XX/XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please see attached the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this company. As an XXXX XXXX serviceman whom was in delopyed international from XX/XX/XXXX to XX/XX/XXXX. Although I was in the united states on XX/XX/XXXX I was not in the state of Texas to open any loans. I have attached a letter from the United states military stating my identity was compromised. So I ask again how was this debut vaildated.When the SCRA ( All XXXX XXXX servicemembers are protected under the Servicemembers Civil Relief Act ) If your military service " materially affects '' your ability to make the payments on time the military service the seller can not repossess the item, take you to court, or make any bad credit reports on your contract without a court order. What court order did XXXX provide as proof of request to get payment for said account.