davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

XXXX XXXX  Dear XXXX, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

XXXX. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 
XXXX. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. 
XXXX. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
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. (NY)

I am writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (MN)

I purchased a vehicle on carvana XX/XX/XXXX and agreed to pay a {$1400.00} delivery fee of vehicle. The money was in my bank account at the time I agreed. Literally minutes after placing the order I cancelled it, due to another direct deposit due for my account I learned would not be coming, so I didn't want to make my self broke and cancelled the order within moments of placing the order. 5 days later, they took the XXXX delivery fee out of my bank account. Since the time I cancelled the order, I spent some money, so not only did carvana take money out of my bank account 5 days after I cancelled the order, they overdrafted my account and left me with a negative XXXX. They would do nothing to help me except tell me they would return the money in 10 long days and nor pat the over draft fees they caused by withdrawing the money after the contract was XXXX are leaving me without any money for 10 days and now I have to pay {$600.00} in overdraft fees because of them taking the money anyway after I said don't. I have no money for 10 days. What am I going to do about food, gas, other bills?
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 2. A personal credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries, along with a copy of the consumer FICO credit report maintained by you, which highlights the fraudulent items mentioned above. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax and XXXX both failed me. After noticing incorrect information on my reports, I attempted to resolve. They've consistently done nothing. This includes no investigation, taking over 30 days for failed resolution, fraudulent inquiries, missing accounts, terrible customer service, and lack of contact. After being a victim of fraud, with a police report and FTC document, I filed disputes for inquiries I hadn't done. They both failed to remove fraudulent inquiries, research my issues, or care. Now I'm losing more money and time because, I just payed a {$10000.00} retainer to sue both bureaus for defamation, breach of contract, and intentional emotional distress. This is tiring. They sent irrelevant follow-ups that didn't address any of my concerns.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX Insulation Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-08-20
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. (TX)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a severe form of XXXX  in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

While depositing our business cash deposit at the XXXX XXXX WA location ATM the power went out. We spoke with customer service and they said they would balance the totals and report what the actual deposit was and credit us the exact amount. they then said in the meantime they would like an estimate so they could credit our account temporarily. I specifically requested to not get the credit as it would be more headaches to account for this. Ultimately I spit out an arbitrary total with the disclaimer that its likely incorrect. They credited us that amount of {$4000.00}. I reached back out a few months later only to be told that number is the number I get, so I let them know it was CLOSER to {$8000.00} after a brief review and would report the true expected deposit to my business banker. This total included some change as I provided the complete expected total {$8800.00} as opposed to the to actual which we would have retained the coins. They then said our request to adjust is denied due to the inclusion of cents. Their customer service has been rude, condescending, and unable to follow simple instructions along with the fact that they are sitting on thousands of unearned dollars and will not provide a resolution even after following their direct instructions.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX  XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX  XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (IN)

The credit card was open XX/XX/2021 I activated my card and lost it and someone used my card and maxed it out to {$5300.00} I didnt receive no security alerts no fraud alerts telling me someone using my card. I received a statement saying my credit card was maxed out for XXXX immediately called chafe fraud department to dispute those transactions they never responded to my complaint closed my account and put it in the collection I told them to investigate the transactions it was unauthorized transactions but instead they closed my credit card and say I had to pay the unauthorized transactions that I disputed and closed the account with no explanations and now put a XXXX debt on my credit that I didnt do
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as Pacer. 

Remove this account from my consumer report now!!!
Consumer complaint received 2023-07-06
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. (CA)

Please see attachment Equifax is showing late payments for XXXX, XXXX and XXXX when this account was closed over 7 years ago. Why are they showing late payments on an account that is paid in full and has been closed way before this time.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-08-29
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. (GA)

Upon examining my Consumer Reports, I observed the presence of two tardy payments linked to an account for which I have maintained a consistent record of timeliness. The pivotal function undertaken by Consumer Reporting Agencies entails the accurate depiction of consumer information to the utmost degree. It is imperative that they fulfill this role with the highest level of precision. I wish to underscore that I have consistently met all payment deadlines for the account in question, namely : XXXX XXXX I hereby request a thorough investigation into this matter, accompanied by substantiating evidence in the form of statements validating the alleged late payments. Should such evidence not be forthcoming, I insist that the status of these payments be rectified to accurately reflect their punctual remittance, as has invariably been the case. It is worth emphasizing that I have maintained an unblemished record of punctuality and should not be penalized with erroneous late payment notations. 

I appreciate your prompt attention to this concern. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting 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. (TN)

I do not recognise these credit inquiries, and I have asked for them to be removed. I have asked to remove them from the bureaus ; ; they did not do as I asked I am providing an identity theft report, and I am requesting that they be removed because they inaccurate and not mine
Consumer complaint received 2023-09-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XXXX received Note from XXXX XXXX XXXX XXXX XXXX received Loan Modification with XXXX becoming our Noteholder and Investor, then XXXX XXXX closed XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX filed Bankruptcy, XXXX # XXXX ( XXXX  ), then doing XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX and extinguished all securitized Bonds back to original date as of XXXX, per United States Security Exchange Commission Quarterly Report for XXXX XXXX XXXX ( Table of Contents Capital Structure and Management XXXX  XXXX  structure consists of shareholders equity and {$110.00} XXXX of term debt. Term debt of {$130.00} XXXX was issued on the Effective Date. This has subsequently decreased by a net amount of {$14.00} XXXX as a result of principal payments totaling {$23.00} XXXX net of XXXX XXXX which have been issued totaling {$9.00} XXXX. 
On the Effective Date, all shares of common and preferred equity securities previously issued by XXXX were cancelled and extinguished. 
As of the Effective Date, and pursuant to XXXX  Amended and Restated Articles of Incorporation, XXXX  is authorized to issue up to XXXX shares of common stock and up to XXXX shares of preferred stock, each with a par value of {$0.00} per share. As of XX/XX/2013, XXXX shares of XXXX  common stock were issued and outstanding ; no shares of its preferred stock are issued ) but XXXX XXXX then filed a Assignment of Mortgage XXXX, and there is no Mortgage, XXXX XXXX XXXX XXXX us a Loan Modification XXXX XXXX XXXX our Noteholder is XXXX since XXXX, and that they can not remove the XXXX because they sold the Serving Rights XXXX, in Error, per conversation with XXXX XXXX XXXX Representative on XXXXXXXX  XXXX XXXX XXXX XXXX has acknowledge they are not our Noteholder, but Select Portfolio Servicing who is actually Servicing for XXXX XXXX XXXX  refuse to put in paperwork to get Lien Released and to refund all Monies paid plus interest. 
Per Select Portfolio Servicing ( Account Holder is XXXX XXXX, as Trustee in trust for registered Holders of XXXX XXXX Certificates XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXX  ) .
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (NC)

I have disputed the ownership of debt that Source Receivables Management is claiming that I owe however as of to date they have failed to provide actual proof that this debt belongs to me. Per 15 USC 1692g. Validation of debts I requested an original signed application with my signature and copy of my identification used to open said account. They are not able to provide his documentation and as such is trying to collect on a debt that they can not verify belongs to me. Failure to provide such information upon request is in direct violation of the FDCPA and entitles me to damages of up to {$1000.00}.