davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( 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 ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - Account Number:3**** XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (CA)

I was not properly served. Default judgment been filed recently. Debt was transferred to a different servicer prior case filing. Charged off debt amount : {$15000.00}. Case number : XXXX. I've communicated with Zwicker and Associates, they are a debt collecting law firm. 

According to IRS guidelines under **IRC 166**, once a debt is deemed worthless, it should not continue to be collected. The continued collection efforts raise questions regarding the debts actual value. 

Failure to adhere to these guidelines could result in IRS violations, which may incur fines underIRC 6700.

IRC 6700 imposes penalties on individuals who promote abusive tax shelters or prepare false or misleading statements regarding the tax implications of a financial transaction. The fines can be significant : * A penalty of $ XXXX each improper promotion or representation made. 
* If the promoter is a corporation, the penalty increases to $ XXXX each violation. 


In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g**, I request validation of this debt, including : 1. Documentation proving the existence of the debt and its current balance.

2. Evidence showing that the debt has not been categorized as worthless for tax purposes.

3. The accounting financing statement related to this charge-off.

4. A copy of the original contract with my signature.

Additionally, under **15 U.S.C. 1692e** and **15 U.S.C. 1692f** I am entitled to request and obtain all information relevant to this debt, including any records of communications and transactions. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically XXXX*15 U.S.C. 1681b** and **15 U.S.C. 1681s-2**, I request that you cease any reporting of this account until proper validation is provided. 

I also wish to address your recent filing for default in court regarding this matter. Given the principles outlined in both the FDCPA and FCRA, I request that you dismiss any legal actions related to this account until proper validation is provided. 

If this debt is indeed considered worthless, I ask why collection efforts and legal proceedings are ongoing. I expect your response within 30 days and anticipate a resolution to this matter. 

Thank you for your prompt attention.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GOLDMAN SACHS BANK USA (CA)

I was not properly served. Default judgment been filed recently. Debt was transferred to a different servicer prior case filing. Charged off debt amount : {$15000.00}XXXX XXXX XXXX XXXX XXXX I've communicated with XXXX XXXX XXXX  they are a debt collecting law firm. 

According to IRS guidelines under **IRC 166**XXXX  once a debt is deemed worthless, it should not continue to be collected. The continued collection efforts raise questions regarding the debts actual value. 

Failure to adhere to these guidelines could result in IRS violations, which may incur fines underIRC 6700. 
IRC 6700 imposes penalties on individuals who promote abusive tax shelters or prepare false or misleading statements regarding the tax implications of a financial transaction. The fines can be significant : * A penalty of XXXX XXXXXXXXor each improper promotion or representation made. 
* If the promoter is a corporation, the penalty increases to XXXX XXXX  each violation. 


In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g**, I request validation of this debt, including : 1. Documentation proving the existence of the debt and its current balance. 

2. Evidence showing that the debt has not been categorized as worthless for tax purposes.

3. The accounting financing statement related to this charge-off.

4. A copy of the original contract with my signature.

Additionally, under **15 U.S.C. 1692e** and **15 U.S.C. 1692f** I am entitled to request and obtain all information relevant to this debt, including any records of communications and transactions. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681b** and **15 U.S.C. 1681s-2**, I request that you cease any reporting of this account until proper validation is provided. 

I also wish to address your recent filing for default in court regarding this matter. Given the principles outlined in both the FDCPA and FCRA, I request that you dismiss any legal actions related to this account until proper validation is provided. 

If this debt is indeed considered worthless, I ask why collection efforts and legal proceedings are ongoing. I expect your response within 30 days and anticipate a resolution to this matter. 

Thank you for your prompt attention.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I deposited {$2000.00} into the Beth-page credit union atm . And it only read and deposited {$140.00}. This happened on XX/XX/2024 XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (TX)

I settled all of my debts when i sold my home in XXXX of XXXX. Now Midland Debt Collectors are saying i didn't pay all of my debts off and seized my savings account for payment and placed funds on hold until the year XXXX. If I didn't pay off the debts how did I get a payoff of release to get funds for my home? My credit report is clean no debts owed. Didn't list the original creditor or account number amount owed what year account was listed for collections. I don't think this is my debt. Why didn't this judgement report on my credit report like the others did.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar Mortgage has stalled at every request. I have gone to     XXXX   XXXX   to refinance and get a loan on the equity on my home. I have been making automatic withdraw payments for over  three  years without fail.  XXXX  let me be late for two years without notifying me and wouldnt rectify it for my credit even though they were automatic payments. I fixed the late payment issue and continued to make on time payments for over a year. My mortgage guy at  XXXX  was on a conference call o n 4  different occasions with Nationstar representatives trying to get them to update my payment information for my credit report. They failed to do so for over a month. I contacted them today a t    XXXX   XXXX   with my  XXXX  rep, and they verbally responded that my payment information would be updated by  XXXX   XXXX . I did not agree with this and asked for a supervisor. We waited on the phone for ov er 15 minutes  longer and they assured me I would get a phone call in "  15 minutes ' ' by a supervisor. That never happened. This company is inept and I cant take it anymore. I am being punished because of thier incompetatant procedures.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX [ Date ] Experian Dispute Department po box XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX : Notification of Removal of XXXX XXXX XXXX XXXX Account by XXXX To Whom It May Concern, I am writing to inform you that XXXX has recently completed an investigation and has removed the XXXX XXXX XXXX XXXX account from my credit report. The details of the removed account are as follows : XXXX XXXX XXXX XXXX Account : Account Number : XXXX ( XXXX ) Account Number : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Status : Account charged off. {$44000.00} written off. {$23000.00} past due as of XX/XX/XXXX. 
Balance : {$23000.00} Balance Updated : XX/XX/XXXX Original Balance : {$47000.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$23000.00} Terms : 72 Months Payment History : Multiple months showing CO ( Charge Off ) status and past due statuses. 

Given that XXXX has determined this information to be inaccurate and has removed it from my credit report, I am formally requesting that XXXX and TransUnion also remove this account from their records to ensure accuracy and consistency across all credit reports. 

As per the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and up-to-date. Since XXXX has validated that this information does not meet these standards, I expect that XXXX and TransUnion will take similar action. 

Please acknowledge receipt of this letter and confirm in writing that the XXXX XXXX XXXX XXXX account has been removed from my credit reports. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX Attachments : 1. XXXX Dispute Results ( showing removal of XXXX XXXX XXXX XXXX account ) 2. Copy of Credit Report with Discrepancies Highlighted CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) New York State Department of Financial Services Feel free to adjust the details or add any other information that you find relevant.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

For over The past few years, I have tried correcting the information showing on my credit reports. Its stating that it was discharged in bankruptcy. It was not a discharge. They were included in the XXXX XXXX and they were paid through the XXXX XXXX. By them stating it was discharged, its showing as if they were never paid and its derogatory on my credit report and harming my credit. Impacting my ability to purchase a home and my credit score. 

This is the US courts definition of just charge and this does not apply to me! 

https : //www.uscourts.gov/services-forms/bankruptcy/bankruptcy-basics/discharge-bankruptcy-bankruptcy-basics
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MD)

DEBT VALIDATION LETTER Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # _ Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; XXXX. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (SC)

When I found out about this debt, I worked out an agreement with the collector to pay back the amount owed. I asked the company to allow me the Servicemember 's Civil Relief Act to reduce the interest rate. The company denied my request even though I submitted my active-duty orders via the email address I was given, XXXX.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I've my mortgage loan with the Fifth Third Bank and I've been charged a PMI amount of around XXXX XXXX per month because my initial down payment was less than XXXX XXXX  of the principle amount. In XXXX, XXXX, I made additional payments to the principle amount that brought my total down payment close to XXXX XXXX. Ideally Fifth third bank should have canceled my PMI amount in my monthly mortgage at this point but they still kept charging me XXXXXXXX XXXX every month for a year. In XXXX XXXX I finally sent them a notification email with the details to cancel my PMI which they did. However they said that they wouldn't be refunding me my XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) because I'd not requested them to cancel my PMI earlier, despite going above the 20 % down payment threshold.
Consumer complaint received 2019-07-29
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX i received a inquiry on my Transunion credit report from a XXXX XXXX which I did not authorize. I reached out to them and they determined it was fraud. They said they would mark it in their system but I would have to reach out to Transunion to have it removed. I reached out to Transunion who tell me I have to contact XXXX XXXX. This has happened before with Transunion. I am tired of going back and forth. Transunion is a ridiculous company to deal with especially as it is my information. Any help in this matter is greatly appreciated.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Keith D. Weiner & Associates Co., L.P.A. (KY)

I financed this car in XXXX  and a year later I totaled the car. I dont know why I have to still pay for it if its not a working vehicle. Its been sent to the collectors and they have threatened that it will affect my credit if I dont pay the full {$250.00} every month. They have been taking out {$120.00} every 2 weeks for about a year now. I have to also pay {$390.00} for a different car I have. This is putting a huge burden on my bank account and savings and Im not sure where else to turn.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK PUERTO RICO (FL)

I have a family operating account at First Bank Puerto Rico with a branch in XXXX XXXX XXXX. Bank Statements for XXXX and XXXX of this year were fraudulently compromised for {$14000.00}. I asked the bank for the XXXX through XXXX statements and discovered the fraudulent activity. The bank did not send us the statements for those months because we have a Florida residence. In order to retrieve the bank statements I must wait until I travel to XXXX XXXX. I contacted the Bank as to the issue and was issued a case number. Two weeks passed so I went to the XXXX XXXX branch and enquired about the case number. I was told that their policy is that the complaint must be filed within 20 days of the occurrence. We did not receive the bank statements until XX/XX/year>. I have a copy of the statements with the fraudulent activity highlighted in yellow. We write checks only. There is not a debit card and we do not pay by wire or ACH. There was a check written, not authorized and several mobile payments to XXXX XXXX.
Consumer complaint received 2024-08-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC (TX)

Hello, I have tried making an attempt to do a settlement with an agreement of deletion letter company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX I have spoken with a lady XXXXXXXX XXXX XXXX  on XX/XX/year> this lady was rude very asked her to speak with her supervisor to see what we could do to work out an agreement being this is abought debt, and you pay for pennies on the dollar. I asked that I could pay {$500.00} to settle and the lady laughed at me and the supervisor said no. I asked her if she could try to further discuss it with him and see if we could work something out, she said she would talk to him I told her I would be able to call her back at XXXX that same day she gave me a number to call XXXX ext XXXX. I called at XXXX and did not get an answer I continued to call up until XXXX XXXX that day, Then the following morning I attempted to call and kept getting transferred around to different people and hung up on. Then XXXX XXXX called me and left a very hasty aggressive voicemail. I missed the call being I was at work and kept trying to call back when I had a moment. I continued to call for the rest of the day and a lady would answer the phone I would tell her who I was and that I was returning a call to speak with XXXX XXXX, she told me to hold and transferred me and I got hung up on. I called back a lady answered the phone I told her I was returning a call for XXXX XXXX I was transferred and put on hold for over XXXX minutes, and I have proof because I screen recorded everything. The employees are very unprofessional will be doing a business complaint with XXXX being I see that the company is not BBB accredited as well as a Consumer Complaint I have already started the disputes in action with the bureaus and will pursue further action to get this matter resolved. This business should be looked into for their practices and unprofessionalism as well as attempting to collect money from people and not being XXXX credited it seems as if they may be scamming people out of their money. I have made reports with each credit bureau in reference to this matter requesting a validation letter the company Nelson Cruz & Accoiates is also getting the same letter certified. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation