davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything un true, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of 2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically re again the account to damage a consumer score more, a complaint has been filed against them as well.Also I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have worked with transunion several times and had the same information removed. I pay my bills on time and there were no late payments. all inquiries were for the same purpose ( but they refused to count them as a single record. Ihave no negative marks on my report and my oldest account on tu WAS from 1997 which was removed recently so it looks as if my credit history is shorter than it actually is. when I apply for a loan tu will intentionally lower my score. This has gone on for years and when I call in to dispute items on my report I am told they only have to follow their rules. this is not my first complaint to be filed with you. I recently asked tu to remove late payment information they claim was reported to them by XXXX XXXX /XXXX, an inaccuracy they reinstated only after I started looking into mortgage loans. 

I would like to have all inaccurate information removed from both my credit report and my credit file. 
I would like some protection against TU reinstating this information again. 
I would like to have a clearly defined timeline that states what is considered to be a new account for example ( 0-12 months ) and what is considered to be a short credit history for example ( 1-10 years ) short ( 10-15 years ) intermediate ) and so on. 
I would also like outcomes listed of any credit inquiry so it shows if an offer was made and if not why not. 
I would like it to be a requirement for anyone who pulls a credit report to furnish a copy of the report they pulled including the report number to the consumer and not tell them they ca n't do n't or wo n't because it is not their policy. 
I would also like fines imposed if a consumer can prove the any information that was previously removed has been reinstated.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have found several errors on my credit report via Trans Union. I asked Trans Union to investigate, but they have refused, stating it was my responsibility. 

I forwarded to Trans Union a copy of the Fair Credit Reporting Act Fact Sheet stating that is was their responsibility, and asked them to do so. To date they never responded. 

These regard XXXX inquires made to my account. Neither of which are mine, as I have not applied for credit in approximately 1.5 years. To date, there is only XXXX inquiry which I authorized in the last XXXX years, yet inquires keep appearing on my account. I have credit tracking through Trans Union so I know when a new inquiry is logged. XXXX recently came up even though I have not applied for any credit. 

I have informed TransUnion that I believe these to be fraudulent and I wanted them investigated. They have not responded. 

I would request the FTC / CSPB t0 please enforce the FCRA and have Trans Union remove these inquires as it has been well over 30 days since I made the inquires and they have not provided any documentation that they are mine and they are negatively effecting my credit.
Consumer complaint received 2022-11-10
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. (CA)

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. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (IL)

Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARELLC/CAPIOPART XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSETCARELLC/CAPIOPART XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-06-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
Consumer complaint received 2017-02-23
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (GA)

My mother took out a reverse mortgage for about {$110000.00} in XXXX on her residence in Florida from Financial Freedom, now a division of CTI bank. She had to be moved out in XXXX XXXX and is now in a XXXX with XXXX. Leaving the home triggered the foreclosure process. The balance on the loan is more than the house is worth today. We tried to do a deed in lieu of foreclosure with Financial Freedom which was denied. We tried to do a short sale, listing the home with a realtor, and received an offer for {$69000.00} after lowering the price to that after 5 weeks. I sent in the paperwork and Financial Freedom came back saying the house is worth {$110000.00}. As instructed by the lender, we rebutted, providing XXXX local comps at around {$70000.00}. They rejected the rebuttal and asked if the buyer could make up the difference. The buyer withdrew the offer, and the realtor said they wo n't list it for more than {$69000.00} because that is what house is worth.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was contacted by Fair Collections & Outsourcing several years ago about ( XXXX ) accounts that they claimed belonged to me and stemmed from the rental of an apartment at XXXX in XXXX, GA. The collection agency placed these accounts on my credit file at that time. I contacted the agency t make them aware that this was as a result of identity fraud, completed a fraud affidavit packet and also forwarded a copy of my police report that detailed the fraud. At that time several years ago the accounts were removed from my credit file. Just recently I found that Fair Collections & Outsourcing re-reported these accounts even though I had gone through the process of completing the affidavit, and providing the police report. They improperly and re-inserted a previously resolved claim. I have notified them again that these were previously resolved and addressed and they claimed to have no knowledge of that but they were removed from my credit files several years back. This is an ongoing fraudulent attempt to collect a debt that they know fully well I do n't know. When I caled most recently to try to discuss the representative told me that even though it had been deleted and previously resolved the original creditor had decided to continue to collect it and that that had to honor their clients request even if it was a fraudulent account.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX, 2014 we obtained a mortgage loan from Capital One 360 Mortgage Co. One of the account holders is prohibited from accessing any monthly loan statements or other statement whatsoever. The loan is in the joint name of a husband and wife. When attempting to access statements the wife has been refused access to any statement and was told that only the husband may access statements and that he has to have a separate sign in and access code. The wife is the person who initially obtained the loan and handles payments and maintenance of the account. 
Capital One is practicing blatant discrimination against the wife, requires separate access to the account by each mortgagor, and all contact with customer service agents and corporate officers has not resolved the problem.
Consumer complaint received 2016-09-09
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

On XXXX XXXX, XXXX, I took out an Auto Title Loan from LoanMart and received {$8000.00} ( includes a {$19.00} XXXX fee ). I paid LoanMart back {$9300.00} on XXXX XXXX, XXXX. I had the loan for 78 days and in the interim, I also paid two payments of {$840.00} to LoanMart. In total, I received {$8000.00} and paid {$11000.00} ( {$9300.00} + {$840.00} + {$840.00} + {$19.00} XXXX fee ) or {$2900.00} ( less {$19.00} XXXX fee ) in interest. I estimate that LoanMart overcharged me {$1700.00} and LoanMart refuses to tell me how the {$2900.00} in interest was calculated and how the {$9300.00} payoff amount was determined. 
On XXXX XXXX, XXXX, I paid off my car title loan of {$9300.00}. I had to call LoanMart for my payoff amount and was told it was {$9300.00}. I asked them how the {$9300.00} was calculated and was told they did not know, but for every day I delayed payment, I would be charged a daily interest rate. I paid the amount LoanMart said I was required to pay and called LoanMart several times to determine how the interest was calculated. LoanMart could not tell me how the interest was calculated so I wrote a Certified letter to LoanMart for an explanation. LoanMart received my letter on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX they have still responded to my request.
Consumer complaint received 2023-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I initiated a dispute for a transaction that was billed to my account on XX/XX/XXXX in the amount of {$140.00}. The credit card issuer sent me a letter, dated XX/XX/XXXX saying that if I had wanted to continue the dispute, I would need to send a statement saying that I didn't receive the service provided and a brief description of how I tried to resolve the dispute with the merchant. 

I faxed this information ( attached ) to the credit card issuer ( Capital One  ) on XX/XX/XXXX ( fax confirmation attached ). On XX/XX/XXXX, I received a letter ( attached ) from the credit card issuer ( Capital One ) saying that they are unable to assist me further. I am not satisfied with the response from the credit card issuer ( Capital One ) because the merchant ( XXXXCapital One Travel ) in dispute is a company that is directly operated and owned by the credit card issuer ( Capital One ) and I never received the goods or services from this transaction through no fault of my own because the service was cancelled by the operator prematurely without any type of notification to me at all. The credit card issuer has a responsibility to protect the consumer especially when the company in dispute is operated by the credit card issuer and the service was never provided.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (TX)

Afni, Inc. purchased a disputed debt from another debt collector. The debt status as disputed was known to Afni , Inc . The debt was removed from my credit reports because it was disputed and legally not owed. 

Despite the foregoing, Afni, Inc. submitted false statements to the consumer reporting agencies falsifying that the debt exists and is owed.
Consumer complaint received 2016-09-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

we ordered XXXX. in XXXX of XXXX our roomate signed this little XXXX box without my authorization. ( were told anybody over XXXX could sign ) this was a XXXX XXXX credit card. i canceled the order within three days. and returned their equipment. i notified XXXX of the situation and they did an investagation and gave us our money back. XXXX is still trying to charge us ov er XXXX for an illigal usage of the card and i reported the fact that we didnt wish to use their services. i want this to be taken off our credit report and they needto stop sendfing me bills.XXXX agreed with me.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NC)

On XX/XX/XXXX, I XXXX XXXX traveled to XXXX to purchase a pre-owned XXXX. The vehicle was fully equipped and also came with XXXX, which was not active in the vehicle at the date of purchase. Shortly after purchasing the XXXX XXXX XXXX and traveling back to my home in XXXX, XXXX. I was then constantly contacted by XXXX XXXX via cell phone. They offered the service and shortly thereafter trail activation, I received correspondence from XXXX XXXX XXXX XXXX XXXX, detailing that if I were contacted via cellphone ( which was illegal ), on the part of XXXX XXXX. That I was to receive compensation and free service as I was not the original owner and had not purchased this service. Moving forward and in constant correspondence with XXXX XXXX and submitting all documents pertaining to purchase. It was understood that this service would offer a settlement and free service. Instead XXXX XXXX has chosen to send a bill of {$60.00} to collections, in an attempt to tarnish my credit and credit score. This case has not been resolved and settled, as I have yet to submit my rebuttal / response to the denial letter XXXX XXXX sent to my home on XX/XX/XXXX. The dates of contact as they state are XX/XX/XXXX, but the purchase of the vehicle was XX/XX/XXXX. Additionally I was contacted via cellphone and therefore this settlement issue has not been resolved. Keep in mind the vehicle purchase date is clear and concise, XX/XX/XXXX.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (RI)

I filed for my 2012 taxes in the state of Rhode Island where I lived and Mass Department of Revenue had bad reporting by the payroll company who did work for my company. They allocated XXXX in income to Mass. I never lived in MA at the time. Therefore, they want me to pay a full years tax in MA. I am working on getting it corrected with the Payroll company so my tax atty can resubmit and get a reimbursement from MA instead of me paying in. I signed and submitted to EOS CCA and Mass DOR a Power of Atty. I sent it three times, they keep contacting me and not trying to resolve. Now they are saying they will garnish my wages in communications.