davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (AL)

Dear TELE RECOVERY OF LOUISIANA, I am writing about the account listed above that you claim is a collection I have with your company. I request that you provide me with the following information regarding this debt : XXXX. The name of the original creditor. 

XXXX. The date of the original debt. 

XXXX. The amount of the original debt. 

XXXX. The date the debt was transferred to your agency. 

XXXX. The amount of the debt currently claimed as owed, including a breakdown of any additional charges such as interest or fees. 



Additionally, please provide me with a copy of any judgment, agreement, or contract that verifies my obligation to pay this debt. 



In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), please consider this letter as formal notice that I dispute this debt 's validity. I request that all collection activities cease until the requested information is provided. 



Furthermore, it has come to my attention that false information regarding this debt has been communicated to third parties, which has damaged my reputation. Such actions constitute defamation, which is a violation of my rights under the FDCPA. Please provide the following : XXXX. A list of all parties to whom you have communicated information regarding this debt. 

XXXX. Details of the specific information that was shared. 



If you can not validate this debt within 30 days of receipt of this letter, I demand that you immediately remove this debt from my credit reports with all credit bureaus to whom you have reported it ( XXXX, XXXX, XXXX ). Failure to comply with this request will be considered a violation of the FDCPA. 



Additionally, please be advised that I will be seeking damages of up to {$5000.00} for any harm caused by your actions, including defamation and any violations of the FDCPA. 



I also request that you refrain from any further communication regarding this debt except to provide the requested validation. Please communicate in writing only. Any future contact attempts beyond providing the requested information, or any further dissemination of false information, will be considered violations of the FDCPA and may lead to legal action. 



Thank you for your prompt attention to this matter. I look forward to your response. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I paid off 2 mortgages, totaling over {$450000.00} with XXXX Bank in XXXX, XXXX XXXX and the other credit agencies do not show these mortgages as paid in full, causing my debt to income ratio to be 244 %. In fact, ironically these mortgages just showed up for the very first time after this closing and had never been on my credit report. Also, criteria shows that I " do not have a mortgage '' lowering my credit score, when I had a substantial mortgage in good standing. These payments were nearly {$3000.00} for years and " paid as agreed. '' I am trying to purchase a small home, and can only get a subprime interest rate of 9.25 %, because my credit score is barely over 600. I live in XXXXXXXX XXXX, in a very small town and there are very few homes for sale, and I do not want to keep paying rent. I can not purchase any home without a ridiculous credit score, despite working for over 50 years. I have written the companies and the more I inquire it seems the worse it gets. This is grossly unfair. I see where this has happened all over the United States, and I find it concerning. What is going on with the credit bureaus? Are they intentionally trying to skew the credit reports to keep people in debt?
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I paid off 2 mortgages, totaling over {$450000.00} with XXXX Bank in XXXX, XXXX XXXX and the other credit agencies do not show these mortgages as paid in full, causing my debt to income ratio to be 244 %. In fact, ironically these mortgages just showed up for the very first time after this closing and had never been on my credit report. Also, criteria shows that I " do not have a mortgage '' lowering my credit score, when I had a substantial mortgage in good standing. These payments were nearly {$3000.00} for years and " paid as agreed. '' I am trying to purchase a small home, and can only get a subprime interest rate of 9.25 %, because my credit score is barely over 600. I live in XXXXXXXX XXXX, in a very small town and there are very few homes for sale, and I do not want to keep paying rent. I can not purchase any home without a ridiculous credit score, despite working for over 50 years. I have written the companies and the more I inquire it seems the worse it gets. This is grossly unfair. I see where this has happened all over the United States, and I find it concerning. What is going on with the credit bureaus? Are they intentionally trying to skew the credit reports to keep people in debt?
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : 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 XXXX XXXX XXXX  XXXX XXXX PA, XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. Restaurant XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (IL)

On XX/XX/XXXX & XX/XX/XXXX I mailed a dispute letter to XXXX and TransUnion advising that the pay status and remark section of my credit reports were incorrect. I received no response from XXXX and TransUnion advised that based on their " investigation '' the info was correct. I submitted a complaint with the XXXX  on XXXX trying to have the payment status and remarks corrected and received the response from XXXX that I am in an active XXXX. My active BK was filed XX/XX/XXXX and never in question as I am the filer, just the statuses and remarks posted against my non included accounts. 

This car loan was refinanced with the sole purpose of NOT entering it into BK. There was a claim for payment submitted against my BK petition on XX/XX/XXXX by XXXX on behalf of XXXX. As you will see in the uploaded docs a copy of the canceled payoff check that XXXX cashed on XX/XX/XXXX from XXXX which is not apart of the XXXX XXXX XXXX Bankruptcy XXXX. 

You will also notice that on XXXX XXXX mailed me a PIF doc. Also during this time I disputed the the payment status and remark sections of both TransUnion and XXXX Credit Bureaus to no avail. 

Also after my XXXX  dispute on XXXX, XXXX on behalf of XXXX filed an amendment to have their claim removed as the account had been PIF via XXXX for months. 

I recently emailed the CEO of XXXX and received a letter advising that they are " researching '' my recent correspondence regarding my concerns.
Consumer complaint received 2022-08-03
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. (IL)

On XX/XX/XXXX & XX/XX/XXXX I mailed a dispute letter to XXXX and XXXX advising that the pay status and remark section of my credit reports were incorrect. I received no response from XXXX and XXXX advised that based on their " investigation '' the info was correct. I submitted a complaint with the XXXX on XXXX trying to have the payment status and remarks corrected and received the response from XXXX that I am in an active XXXX. My active BK was filed XX/XX/XXXX and never in question as I am the filer, just the statuses and remarks posted against my non included accounts. 

This car loan was refinanced with the sole purpose of NOT entering it into BK. There was a claim for payment submitted against my BK petition on XX/XX/XXXX by XXXX on behalf of XXXX. As you will see in the uploaded docs a copy of the canceled payoff check that XXXX cashed on XX/XX/XXXX from XXXX which is not apart of the XXXX XXXX XXXX Bankruptcy XXXX. 

You will also notice that on XXXXXXXX XXXX mailed me a PIF doc. Also during this time I disputed the the payment status and remark sections of both XXXX and Experian Credit Bureaus to no avail. 

Also after my XXXX  dispute on XXXX, XXXX on behalf of XXXX filed an amendment to have their claim removed as the account had been PIF via XXXX for months. 

I recently emailed the CEO of XXXX and received a letter advising that they are " researching '' my recent correspondence regarding my concerns.
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-03
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # 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 an account without my written instructions
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (ME)

I have spoken with XXXX XXXX about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I went to a Wells Fargo drive-through ATM located on XXXX XXXX XXXX XXXX XXXX California and I attempted to deposit {$300.00} into my Wells Fargo savings account the computer took the {$200.00} and then returned the {$100.00} bill and then gave me the option to make another transaction or return my card I requested to do another transaction and put the XXXX XXXXXXXX XXXXXXXX  inside one more time the machine confirmed my XXXX XXXX XXXX as a XXXX XXXX bill asked be to confirm correct which I selected yes, completed and returned my card. When I went to check my savings account only reflected the {$200.00} that was initially deposited I contacted Wells Fargo that same day on XX/XX/XXXX and opened a claim for them to investigate. On XX/XX/XXXX today I was told that they have completed their investigation and they have checked the ATM machine and there was no jams and there was no additional money in their money count. When I asked if they can check the cameras or their computer monitoring they stated that they only do that for fraud claims and that I should get a police report to subpoena them for the camera footage. I asked how long the camera footage is In there system I was told they dont have a definitive answer for that. They took my XXXX dollars and refused to check the live footage that they have, and closed my claim essentially stealing my money and not returning it back.
Consumer complaint received 2022-08-03
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. (FL)

Only on my Equifax report -they have my date of birth as XX/XX/1899 as well as my name. In the pass I did have my military id stolen and fraud did appear on all three of the credit reporting agency. I have submitted my driver License online and even online on their website. 

my name is XXXX XXXX XXXX and my date of birth is XX/XX/1978
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place. 

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX as, XXXX XXXX, mo child support, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce. 

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX bank all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXX poor job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.
Consumer complaint received 2022-08-03
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. (MO)

after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place. 

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo child support, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce. 

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX bank all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXX poor job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, Wells Fargo Bank failed to notify me about an on-line Transfer from my Savings Account to my Checking Acct in the amount of {$100000.00} which I did not do. The money was then used by the Fraudster " XXXX from XXXX XXXX '' to claim that I '' stole {$100000.00} from XXXX XXXX  '' when I responded to an email from XXXX XXXX XXXX XXXX that the payment for my subscription of {$390.00} was successful. I explained that I did not ask for any subscription and " Employee XXXX '' told me to fill up an application for Refund from XXXX XXXX, bank that handles XXXX XXXX, which I did and it back to him. 
I was threatened by " XXXX '' that if I don't return back the money, he will call the Police to come get me! '' which made me really scared and trembling! I told him to just reverse the money then, but he said it has to by wire Transfer which I have not done before. He then sent me the Instructions of how to do it. I checked my XXXX  Checking Account and I did see " Deposit from XXXX XXXX  {$100000.00} ''! I then went to Wells Fargo Bank and gave the paper to the Banker and did the Transfer right away without any questions. 
When I got home, that XXXX called me again to check if I did the Transfer and to picture the receipt to send him. Then he said, " Let 's just this keep this to ourselves, ok? '' That's when I realized I got defrauded and had tried to call the Bank but they were answering the phone, so I went back to the Bank within the hour! XXXX tried to call the number on the receipt but no answer. The Banker also reported it to their Fraud Dept. I then asked to talked to the Chief Banker and complained HOW COME NOBODY NOTIFIED ME ABOUT THE ON-LINE TRANSFER FROM MY SAVINGS TO MY CHECKING ACCOUNT? THAT SHOULD HAVE ALERTED ME THAT IT WAS MY OWN MONEY THAT I WAS WIRE TRANSFERRING! Besides I did not have enough money in my SAvings to make the {$100000.00}! I told the Banker that was really NEGLIGENCE on their part! Then we found out that {$15000.00} came from daughter 's Acct ( Educational Savings for my Granddaughter )! The next day, I received in my email the warning about the on-line Transfer of {$100000.00} WHICH IS TOO LATE! I made a complaint Letter to the Bank about their Negligence and they wrote me back after 2 weeks denying my claim.