davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX .... 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2023-07-29
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. (VA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX PL XXXX, SC XXXX RE : Last XXXX SSN : XXXX XXXX XXXX XXXX  To Whom it may concern, Please accept this letter as notice that you are in violation of false reporting by verifying the account without providing account level documentation. According to FCRA, you are required to & quot ; ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. & quot; ( As stated in15 U.S.C . 1681i ) in conjunction with15 U.S.C.

1681i ( A ).

Pursuant to15 U.S. Code 1681o you failed to comply with the FCRA along with15 U.S. Code 1681n in which you KNEW it would be a violationand you intentionally violated the FCRA. 
Failing to follow procedure has caused mental anguish and caused me to be denied a personal line of credit and I received an adverse action letter stating because of the collection I was denied, even with having exceptional scores. 
I wish to settle this matter quickly and amicably. I am requesting a deletion of the tradeline, a release from the alleged debt obligation, and {$10000.00}. To remain in good faith, I am providing you 30 days to remedy this situation. Should I not hear from you, that will result a filing of this case in federal court. 
Should you wish to discuss this matter in greater detail, I can be reached via XXXX. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-08-23
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. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Consumer complaint received 2024-07-29
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. (TX)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Edge Home Finance Corporation (MO)

We recently sold a property at XXXX XXXX XXXX, XXXX MO XXXX. We were the owners and my husband was the listing agent. 
This property is in our own neighborhood. We purchased it, did a proper remodel and it was important to us to accept an owner occupied offer, as so many homeowners are getting beat out by investors with extremely competitive offers. 
We listed the property, received multiple offers on the property. We choose the offer based on the owner occupancy terms, conventional financing which came with a 20 day close. The lender stated they have done multiple loans for this buyer and they were a " slam dunk '' /strong buyer. 
Not even XXXX hours after we accepted the offer, the lender called and tried to change the financing to FHA because it would have significant savings to the buyer. We were not confident the appraisal would be completed in 20 days, so we did not agree to change it. Additionally, we aid a lot of buyers and to make a statement that FHA products somehow boast significant savings compared to a Conventional loan is not a new discovery. 
Moving forward, we closed on the house. 
We are now renovating the house across the street. Fixing up our neighborhood one house at a time! XXXX is still vacant. I reached out to the buyers agent 3 weeks post closing, concerned something happened. He said buyer just had to button up some things on her end but was having lawn service started and utilities turned on. Here we are now, almost 60 days past closing and still the owner has not taken occupancy. There is now a lockbox on the door. 
We are fearful that the owner is going to rent this property out & never intended to use this as a owner occupied property. It also raises concern that they have done this before, due to the lenders comment that they have done multiple loans for this buyer.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC (PA)

National Recovery Agency obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AZ)

This company is now " charging off '' the account after I provided the legal tender. I have requested on numerous occasions that I be supplied with financial documents - ASC 850 Related Party Disclosures- ASC 310 Receivables - ACS 405 Liabilities - Full Disclose of Assignment of Note - Any/all endorsements and allonges of NI.

Nothing has been sent to me and I have been ignored on all occasions. I have the right to request the documents per UCC 9-210 ( b ) the duty to respond is within 14 days.

At the time of opening, I was considered a minor of the account, I voided/rescinded the contract per the Baby Act, due to fraud, lack of disclosure, and lack of consideration. They were informed that I never abandoned these securities. I am the entitlement holder. They can no longer assume or presume that I am lost at sea. I signed a negotiable instrument, not just a contract. I never received a " loan '' from this entity, rather, they borrowed from me.
Consumer complaint received 2024-08-23
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. (NC)

I filed a complaint with the three credit bureaus regarding inaccurate items on my credit report. They ignored my complaint and accused me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and demand compensation for the damage they have caused.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC (TX)

I contacted the company on XX/XX/XXXX. I made a payment arrangement of {$400.00} that would keep my car from being repossessed. The payment was supposed to come out of my checking account on XX/XX/XXXX. I woke up XX/XX/XXXX to go to a doctors appointment and found that my car was gone. I found out that my car had been repossessed and they were claiming that they never received a call from me. I submitted proof to their email that I did contact them on XX/XX/XXXX. I was on the phone with them for 21 minutes making the payment arrangement. I provided a screenshot of the phone call. They said it would take 48 to 72 hours to investigate. I heard nothing from them so I called them back today and they claim they cant find any record of me ever calling even though Ive submitted proof that I did call them. They are refusing to release my vehicle unless I pay {$2500.00} essentially. I do not have that kind of money and its not fair that they are not holding up to the agreement of keeping my vehicle from being repossessed if I paid the {$400.00}.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC (TX)

This debt appeared recently on my credit report via experion. It claimed that I had incurred a debt with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I started on Medicare and qualified for Medicaid QMB, so I have probably the best insurance availble and I have zero copays and zero deductibles, so if I'd had any medical issues in XXXX, they would have been covered. When I looked up the creditor contact information on the XXXX website, it gave : Phone number : ( XXXX ) XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX When I called I discovered that the debt was actually incurred in XXXX XXXX XXXX years ago. In Texas, where I reside and where the debt was incurred, the limit is 4 years for legal action and 7 years for a negative debt to appear on your credit report, but this company states that the incident happened in XXXX so they are intentionally misrepresenting the date of the debt so that they can negatively impact my credit. 
I know this is a common practice where creditors still report time-barred debts to credit bureaus hoping that the debtor will pay to stop the debt from negatively impacting their credit, but they have exceeded the allowable limit of 7 years for even this shady practice, and should not be allowed to continue.
Consumer complaint received 2024-10-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (CT)

Lease paid in full - title obtained- went to XXXX XXXX XXXXXXXX for the buyout. Have since paid XXXX XXXX XXXX in full and GM Financial goes ahead and reports me late. This lease was paid in full last year. This is probably the XXXX issue in the last 5 years I've had with this company.
Consumer complaint received 2023-04-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (LA)

I have several rental properties and my home residence. Through covid 1p9 I received 1 stimulus check and nothing else. No SBA, no payroll supplement, or anything else. I think at tax time they gave me another like XXXX credit on my taxes. I say this to say even though there was a stay order for landlord to protect renters from being evicted and thus far roughly 10 % of my tenants have received emergency rental assistance covering 18 months when the shutdown was close to 24 months. Maybe more here in XXXX XXXX. The Lahaf approved me for XXXX. On my home where it's XXXX. Behind. This according to fees late charges etc. Then because the mortgage company did not write someone stating they were going to work with me in time the worker XXXX XXXX  withdrew my application. 5he email slaying it was withdrawn says when ready contact the LAH. The mortgage company then denied my forbearance application because it was now incomplete. Since the XXXX counselor said incomplete application they did too. The Gregory financial agent stated during a call, oh I see you have contacted the housing counselor. During this time another mortgage.
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 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 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX Date : XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Follow-up on FDCPA Debt Validation Request Account Number : XXXX from XXXXXXXX XXXX  Dear Portfolio Recovery Associates , LLC Representative XXXX I am writing in response to the letter I received from you stating that the XXXX XXXX account XXXX XXXX XXXX XXXX XXXX by your agency on XX/XX/XXXX. However, your response does not meet the debt validation requirements set forth by the Fair Debt Collection Practices Act ( FDCPA ), specifically under XXXX U.S.C. XXXX. Please allow me to outline below the reasons why I believe you have not provided full validation : XXXX. Lack of Specific Documentation : The documentation provided does not include a copy of the original contract signed between the original creditor XXXX XXXX XXXX  ) and myself. Without this proof, it has not been proven that I have agreed to pay this debt on the terms you mention. 
XXXX. Lack of XXXX XXXX : Your response mentions a balance of {$2300.00} at the time of the account purchase. However, you have not provided a detailed breakdown of the amount owed, including fees, interest, and any payments applied to the account. 
XXXX. Evidence of Transfer of XXXX : There is no clear evidence of the transfer of the debt from the original creditor to Portfolio Recovery Associates. I request that I be provided with a copy of the purchase agreement between XXXX and XXXX Bank showing the assignment of the right to collect this debt. 
XXXX. Debt Collection License : No proof has been provided that Portfolio Recovery Associates , LLC is duly licensed to act as a debt collection agency in my state of residence. I request a copy of the license authorizing your agency to operate in my state, along with the contact details of the relevant regulatory authority. 
Since my request for debt validation has not been fully and lawfully complied with, I reiterate that all collection activities must cease immediately until proper validation is provided as stipulated by the FDCPA. I also remind you that any negative reporting that continues to be reflected on my credit reports during this process could constitute a violation of the Fair Credit Reporting Act ( FCRA ). 
I look forward to your prompt response and give you XXXX  days from receipt of this letter to provide me with complete documentation supporting the validity of this debt. If I do not receive a satisfactory response, I reserve the right to file a formal complaint with the Federal Trade Commission ( FTC ). 
Please send all correspondence to the address listed at the beginning of this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank agreed to fix a problem with my credit reporting, which it did. However after fixing it, they reinserted the problematic information a few days later. XXXX published the information mere days after it was removed.
Consumer complaint received 2024-08-23
Product: Credit reporting 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
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. (NJ)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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. (NC)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.