davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

1 ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} 3 ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX
Consumer complaint received 2019-08-13
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. (TN)

I was rejected for a credit card due TransUnion failure to provide accurate account information. 

On XX/XX/2019, XXXX XXXX on behalf of XXXX XXXX declined my request and stated as follows : Thank you for your interest in XXXX XXXX. XXXX XXXX XXXX XXXX has reviewed your application, and it was not approved at this time because : You have high outstanding credit card balances XXXX XXXX XXXX XXXX received your credit score from TransUnion Consumer Solutions. 

Your credit score as of XX/XX/2019 : XXXX This information is inaccurate and I have requested TransUnion to update my XXXX XXXX account to reflect the account balance and report my score accurately. TransUnion on XX/XX/2019 reported my correct XXXX XXXX balance to XXXX prompting my score to be XXXX. 


Thank You
Consumer complaint received 2019-08-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (CA)

I reached out to collection agency " Real Time Resolutions '' in XXXX after bombardment of phone calls demanding that I pay a debt that I was unsure of. I wrote to them and offered settlement if the phone calls will stop, never verified debt and request the debt be validated by the company within 30 days. I also request that if the two criteria 's were met and they accepted my settlement that the debt be reflected as paid in full and removed completed from my credit report. 

Not only did i not receive any written correspondence from the company, the harassing phone calls haven't stopped to this day. Per the Fair Debt Collection Practices Act its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
Consumer complaint received 2023-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (PA)

On XX/XX/2021 I had a loss incident on my home, my insurance has currently issued me a check for {$24000.00} over this. This loss was under a previous mortgage servicer, XXXX XXXX. My current servicer, Roundpoint, who's name is now on the check, has specific requirements to distribute this check to me. This includes the claim to total under {$40000.00} ( which it does ) and for the loan to have been not delinquent during the loss event. Roundpoint is claiming my loan was delinquent during the event. This is false. I have attached my payment history with my previous servicer to reflect this. In order for a loan to be delinquent it would need to have been 30 days past the due date. It never was. 

My account with Roundpoint was not current for multiple months this year, this was due to an accounting error on the part of my previous servicer which was resolved, and Roundpoint has admitted this in previous complaints and has addressed all the errors and removed all delinquencies on their end and along with the credit bureaus. I have attached that letter also proving such.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Through JP Morgan XXXX I sent Bill pay to my homes XXXX XXXX. They cashed the check on XX/XX/2023 and never applied the credit to my account. I contacted Chase. Filed a dispute. They were directed to email me an Affidavit. They did not and reversed the original credit XXXX  days before they said they would be. I contacted them again and finally got affidavit emailed. I filled it out with supporting documents and faxed back to Chase. No response for a month. Finally after XXXX calls and subsequent dropped calls I'm told my Affidavit needed to be faxed to a different number. Yesterday I was transfered around and after over an hour on the phone it was dropped. Called again today. Asked for them to call back if it's dropped. They did not. They send a secure message through my account that I close it for fraud. It was not fraud. The company did not post my credit. I called Chase again, after XXXX min. And me asking again for call back if dropped call is dropped no call back. I shouldn't have to wait XXXX  days. It's already been XXXX  days and they better not close my account. Worst bank in the world.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the XXXX  data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX {$800.00}
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 sunrise credit service XXXX Credit report XXXX credit report. Experian .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2019-08-11
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: I.C. System, Inc. (TX)

I HAVE CONTACTED YOUR COMPANY BEFORE CONCERNING IC SYSTEMS IN THE AMOUNT OF {$1800.00}. THIS ACCUNT DOES NOT BELONG TO ME YET YOU STILL CONTINUE TO KEEP RE-ENTERING ONTO MY CREDIT FILE. IC SYSTEMS HAS NO LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE CONCERNING THIS ACCOUNT. NEITHER HAS IC SYSTEMS NOR THE COMPANY IT REPRESENTS XXXX  EVER CONTACTED ME REGARDING THIS ACCOUNT IN ORDER FOR ME TO DISPUTE THE VALIDITY OF THIS ACCOUNT. PLEASE REMOVE IMMEDIATELY FROM MY CREDIT FILE.
Consumer complaint received 2019-08-11
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: Yamaha Motor Finance Corporation USA (MD)

Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with XXXX period.
Consumer complaint received 2023-09-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (WA)

Waypoint resource is violating my XXXX rights. They've never mailed me any validation/verification to my address. None of my contact information has changed this year. They claim I don't have any account off my verified information but are listing a collection to my report via verified information. 

Attached proof. If there is a debt it's to old for my report and my attorney needs a validation/verification letter for review.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I HAVE CONTACTED YOUR COMPANY BEFORE CONCERNING XXXX XXXX IN THE AMOUNT OF {$1800.00}. THIS ACCUNT DOES NOT BELONG TO ME YET YOU STILL CONTINUE TO KEEP RE-ENTERING ONTO MY CREDIT FILE. XXXX XXXX HAS NO LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE CONCERNING THIS ACCOUNT. NEITHER HAS XXXX XXXX NOR THE COMPANY IT REPRESENTS XXXX EVER CONTACTED ME REGARDING THIS ACCOUNT IN ORDER FOR ME TO DISPUTE THE VALIDITY OF THIS ACCOUNT. PLEASE REMOVE IMMEDIATELY FROM MY CREDIT FILE.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM XXXX THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX  DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (NJ)

In XXXX of XXXX, I received the first phone call from FirstCredit Services, a debt collection agency based out of XXXX NJ. They informed me that my previous XXXX, XXXX XXXX in XXXX NJ, had sent my account to them for an unpaid balance. I asked if they could send me the documentation, as I had left the gym 4 months prior and had settled the account when I did. 

They never sent me any documentation, but continued calling me. I have received calls as early as XXXXXXXX XXXX EST, to as late as XXXXXXXX XXXX EST. I received, on average, 18 calls a week from FirstCredit Services.

I told them multiple times to stop calling me so early and so late, but they did not stop. They kept saying they would send me the documentation from XXXX XXXX, but they did not. I then sent them a formal letter asking for documentation in XXXX of XXXX. They did not respond for 2.5 months. Of course, if they dont respond within 30 days my understanding was that they would have to remove the collections. But they did not. 

When I told them I wanted them to fully stop contacting me in XXXX of XXXX, they finally sent me a letter. While the letter was addressed to me, it was a debt collection for someone named XXXX XXXX in XXXX NJ. The enclosed documents explained how she moved to XXXX from XXXX, and thats why she was trying to cancel her gym membership and declined to pay. 

To this day, I have never received any information from FirstCredit Services regarding their alleged debt to XXXX XXXX. In the most recent phone call on XX/XX/XXXX, they informed me if I did not pay the debt they threatened to submit a request to decrease your credit score. I am not sure if that possible, but I once again told them to stop calling me.

A common theme with FirstCredit Services I have seen is that they are violating the Fair Debt Collection Practices Act by : ( 1 ) calling before XXXX and after XXXX ( 2 ) sending me other peoples private debt collections ( 3 ) calling me 18 times a week ( 4 ) not sending me documentation after being formally requested to do so ( 5 ) not removing the collections within 30 days of not sending me the requested documentation ( 6 ) continuing to contact me after being requested not to I ask that the debt be removed from my account. Please let me know if there is another way in which I can report this agency for their behavior.
Consumer complaint received 2024-10-21
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. (NV)

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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX, XXXX XXXX XXXX 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2018-05-22
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. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (CT)

I purchased a car through Prestige Financial. A year after owning the vehicle the payments became too much for me. I sold the car to a family member. Before I sold the car I contacted the company and asked them if the new owner could assume the loan and title to the car. They assured me that the title of the car would be transferred and that I would become the co-signer and the buyer would be the primary loaner. Prestige Finanacial took the new buyers information and added them to my account but never transfered title or added them to the loan itself. They entered into a payment agreement with me and the new buyer while accepting payments from both of us. The new owner paid as agreed but because I did not continue my payments myself they repossed the car a week after recieving a XXXX $ payment from the new owner. After the repossesion they placed the loan amount on my credit report as well as the new buyers credit report. PrestigeFinancial misreprented themselves, they fraudelntly added the buyer to my account but did not add the buyer to the loan or transfer the title as promised. Since they did not do as promised the new buyer should not be on my account for they have no interest, and no contract with Prestige Financial. I ask that they stop reporting false information to the credit bureaus because the loan clearly states my name alone not the new owners. They illegally repossed the car after they entered into an agreementand accepted payments on the past due amount. They collected money from the new owner and pretended that the new owner was really on the loan.They accepted payments from the new owner and still repossessed the car. I have a copy of the loan and the new owner was never added. All monies that was collected from new owner should be returned to the new owner because they never had a contract with Prestige Financial and Prestige Financial fraudently purported as if they have a valid contract.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts ; ( Original Creditor : XXXX  ) XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have sent in affidavits to request specific verification that the CRA 's have been avoiding giving to me to verify that they are actually doing the investigative consumer reports prescribed by FCRA. These companies believe that they are above the law because they are large and have automated systems set up to detour consumers from getting personal access to someone to rectify and remedy these situations in person. 

I do not want my personal information analyzed, serviced and resold by companies who do not have my best interest at heart. These companies report erroneous claims because they have a financial interest in consumers having inaccurate reports. That means more credit monitoring, reports, security freezes and inquiries. How is this fair ir equitable for the consumer as required by Congress in the FCRA. 

I have used this medium to complain over the past years of the inaccurate information that they report and make money off of and not once, even with the deletions and admissions of guilt did they pay me the monetary compensation due. Its been a complete run around with rectifying this and now I am prepared to take this to court if they do not comply. Final attempt to settle outside of a class action suit that I have gotten prepared by my consumer attorney for me and a class of similarity injured Americans nationwide.