davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Upon reviewing my most current credit report, I found that this account continues to be reported as a charge-off. This is incorrect, as it can not be reported in this manner given the 1099-C documentation.

According to the IRS, an unpaid charge-off is considered income, and under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. I have received a 1099-C ( Cancellation of Debt ) for the charge-off account listed below have received a 1099-C ( Cancellation of Debt ) for the charge-off account listed below : Account Number : XXXX Original Creditor : Credit Acceptance Corporation
Consumer complaint received 2024-10-01
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Systems,Inc. (TX)

I have recently viewed my consumer file and i have noticed that the inaccurate items on my account have not been removed nor updated. I disputed the validity of these items over XXXX calendar year ago. What i have recently learned is that XXXX did a thourough investigation and managed to make the proper updates to my account. The issue is now with XXXX and XXXX. These companies have neglected their duties to provide XXXX  % accuracy with proof of claim. 15 u.s.c. 1692 violation of my consumer rights.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (FL)

In accordance to 15 U.S.C 6802 ( b ) I requested proof of documentation that the collection agency was suppose to send to me prior to reporting my information to the credit reporting agencies, giving me the consumer an option to Opt Out of my personal information being shared to third party entities. 

Furthermore, since the account is inaccurate if the item is not removed I will be seeking monetary compensation for the damages.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I submitted a complaint to cfpb in regards to Experian reporting an inaccurate bankruptcy on my credit report. In Experian 's response that they mailed to me on XX/XX/2020 they stated that they verified the bankruptcy information with XXXX XXXX. However on XX/XX/2020 I received documentation from XXXX XXXX that they have deleted the inaccurately reported bankruptcy from their credit files. So how is it possible that Experian verified this information with XXXX XXXX if XXXX XXXX deleted this inaccurate information from thier files.
Consumer complaint received 2020-10-09
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: Consumer Adjustment Company Incorporated (VA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) CONSUMER ADJUSTMENT CO ( XXXX XXXX XXXX ) SEE  ATTACHMENT 3 ) XXXX XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV
form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TX)

XX/XX/XXXX Called customer service and was asked to verify my identity.

The agent verifies my identity and then I am being transferred to a " specialist ''.

The specialist line is offline, and I lose my queue.

I re-queue and call, and another agent verifies my identity.

However, this time, the tells me I need to call back at another time of the day because the the specialist line is now closed.

The back-and-forth calls lasted for over 20 minutes. 

XX/XX/XXXX Another series of calls with reaching customer service, getting my identity verified, and then being told that they need to transfer me over to another specialist for the call.

I am holding in queue once again,, and the agents tell me to give the line a call back another time.

This is another 20 minutes. 

XX/XX/XXXX Another series of calls and holds where this time, after getting my identity verified, I am transferred to a specialist who actually responds this time.

However, they specialist tells me they need to ask me another set of questions to verify my identity even though I have already done so with the first agent.

The extra part was, they required having to transfer to a 3rd agent as they have some " special '' questions to ask me in order to send my phone a OTP passcode.

However, the offices of the 3rd agent are not open.

I once again have lost my queue due to the constant back-and-forth with passing my calls from one agent to another to another. 
This is yet another 20 minutes of my time.
Consumer complaint received 2022-06-20
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. (MI)

on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  Account # : XXXX Date Opened : XX/XX/XXXX reported late payments XXXX  XXXX Account # XXXX Date XXXX reporting late payments to my credit profile XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX : {$240.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NH)

My loan with Nationstar Mortgage was in Forbearance. Before the end of the Forbearance period, in XX/XX/XXXX, I sold the property and the loan was paid off. Nationstar reported my loan 90-days late in violation of the C.A.R.E.S. Act. I contacted Nationstar by phone on XX/XX/XXXX when I checked my XXXX  score and was shocked, and sent information to an email address provided by the XXXX. I received no acknowledgement or response, and the message did not bounce. I followed up on XX/XX/XXXX by email and still have not received any correspondence from Nationstar.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC. (TX)

I have been with Frost Bank over 5 years. Someone deposit fake checks into my account. Frost bank did not protect me at all. My account has NEVER been froze before, my account has NEVER been delinquent before and last but not least I have NEVER deposit checks into my account. Frost Bank allowed one of the fake checks to clear then went into locking up my account after they had already transferred the funds. As a long term customer I would have expected them to call me before releasing any funds off my account because as of today they open me a new account, I deposit my payroll check in that new account and they froze this account now as well stating they wanted to verify the check. My payroll is an active check and now after 8 hours they want to release the funds. I have not been able to eat today, get gas or feed my children. Frost Bank should have protected me in the first incident because now they have falsely held my payroll check today. Not to mention the only reason my payroll is in a check form is due to the first account being closed out I couldn't get direct deposit, it had to come in a check form. I have took a {$4000.00} lost from the first account of fraudulent checks. and now got my payroll check held. I'm not a happy customer after so many years of loyalty to Frost Bank and I will assure to push this out as far as I can!!!!!
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-11-14
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. (AL)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

My payment is a month behind and I am trying to get caught up. As soon as the next payment becomes due ( the second of the month ) and not paid they start calling three to four times a day daily Monday through Sunday ( they call once or twice on Sundays ) until a payment is made. When I pick up to try to make arrangements to pay its an automated call and my choices are to pay now OR to pay now. Sometimes they let me choose a date three days in the future and I don't get an option to speak with a representative.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquiries are listed below : Experian : XXXX  XX/XX/20
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (FL)

I never has requested any application for this card. The attendant at XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX FL XXXX PH : XXXX XXXX XXXX on XX/XX/2020, do the application without my consent. 
I feel my personal and consumer rights were violated in a very bad way
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

I am a desperate consumer. I hope this complaint helps me to get a fair solution to my issue. I want to express that Monterey Collection Services has committed the following damages and violations to the California Credit Reporting Act : the account has been re-aged. Date of last activity is being reported much after the opened date, they have failed to report last payment date. This is causing a huge impact on my score. They have been negligent and unfair. 

I have suffered several damages : This item has stopped me from getting loans and is making me pay high interest rates due to credit score drop. My financial life is ruined because of this situation, i have experienced emotional stress. 

Based on all the damages that this company has caused me, I am demanding the following account to get removed from my records : account # XXXX, Opened date XX/XX/2017,, highest balance {$1700.00}, current balance {$0.00}, original creditor : XXXX XXXX XXXX. 

I have made my research and I have prepare some documentation. Please send the attached files to Monterey Collection Services, that is also known as Monterey Financial Services LLC. 

Thank you.
Consumer complaint received 2020-11-16
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. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

This company continues to fail to validate the SCRA ( Serviceman Relief Act ) which entitles the serviceman to receive 6 % rate regardless if they bought the account from a prior creditor as long as the account was open prior to entering the service. The process requires the rate percentage to be amended to the amount and then provide the consumer with the final amount to pay off their amount. I have called several times, dispute the account on my credit bureau, and they still refuse to warrant the relief that I have the right to have. I inform them JAG validates this relief and those who do not follow it are clearly violating the serviceman 's right! 

This company tried to sale my account yet to another collector that threaten to take legal action and once advise to SCRA and dispute stated that they need to handle the situation and they will no longer persist. 

I reached out to them several times t warrant my relief and pay off the deft, but all they try to do is give me some sort of payment arrangement, but refuse to truly validate SCRA. Previously they pass on this account to yet another collection company, but they had no problem to warrant the relief percentage, but when I called back to payoff the agreement they account went back to LVNV FUNDING LLC due to my dispute through the credit bureau. As I called LVNV FUNDING LLC again they continue to refuse to validate the relief. I inform them I have spoken to an attorney at JAG and they have advise that the relief should be validated.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX 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. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are 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 ( XXXX ), 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 Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX  XXXX XXXX XXXX XXXX  : XX/XX/2020 Balance : {$130.00}.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you update and delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation.