davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My escrow account has missing funds. This has been going on since my bankruptcy was paid and closed. Ever since my escrow has been missing money and my mortage payment keep going up. They paid more to insurance Co that was not correct amounts. They were rude and wouldn't help me understand why even going as far as to say they can't look up my information I asked for about my escrow account. They keep saying I was in the negative but wouldn't explain. They paid my last insurance Co more money than was my bill. Then when I changed insurance they paid them twice. XXXX XXXX sent them XXXX and my insurance sent them back one of the payments of XXXX they state I only have XXXX this has been going on since iv been with them.
Consumer complaint received 2024-07-04
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-14
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. (FL)

My information was compromised at XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. XXXX XXXX XXXX XXXX has been my only address for the past 10 years.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

Complaint against : Resurgent Receivables LLC Dear CFPB, I am writing to file a complaint against Resurgent Receivables LLC regarding their response to my request for debt validation, Despite my efforts to seek validation through various channels, including the CFPB, their response simply stated that the debt has been verified without providing any specific details on how the validation was conducted. 

As a consumer, I find their response to be inadequate, and I am seeking your assistance in resolving this matter in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

The information I am requesting includes : 1. If Resurgent Receivables LLC claims to be the holder of the original note, I kindly ask them to provide the original note for my review. 

2. If Resurgent Receivables LLC is not the holder of the original note, I request them to submit a contract between Resurgent Receivables LLC and the alleged debtor to support their claim. 

3. In order to further validate the amount claimed, I require Resurgent Receivables LLC to provide a comprehensive breakdown of both receivables and payables. This can be achieved by submitting the General Ledger and Balance Sheet associated with the alleged debt. 

I kindly request the CFPB 's prompt assistance in addressing this matter and ensuring that Resurgent Receivables LLC complies with the FDCPA. Please consider this notice as part of my formal complaint against their practices. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-08
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. (MI)

Hi I am reaching out to get this issue resolved because i cant get it resolved with Transunion, XXXX, and Equifax.After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft and informed the cfpb and all three credit bureaus in XXXX with proof and willing to prosecute. I have already notified my local police department and uploaded the police report from them.Please delete the following accounts from my credit report immediately! These items are stopping me from being able to succeed in life and get my family a home.
Consumer complaint received 2024-05-05
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. (NC)

I am writing to file a formal complaint regarding the inaccurate reporting of account XXXX  - XXXX on my credit report by the credit bureaus. On XX/XX/2024, I received communication from the credit bureaus stating that the investigation into this account had been concluded, purportedly finding it to be accurately reported. However, upon careful review, it is evident that there are multiple inaccuracies present in the reporting of this account. 

Specifically, the reported date of open, high balance, last activity, last verified, last report, and date of late payment are all incorrect. These inaccuracies call into question the integrity and reliability of the information provided by the credit bureaus. Given the extent of these discrepancies, I firmly believe that grounds exist for the immediate removal of this account from my credit report. 

Furthermore, I wish to bring to your attention a violation of my rights under 15 U.S.C. 1681 Section 604 A. According to this statute, a consumer reporting agency is prohibited from furnishing information about an account without the written consent of the consumer. I have not provided written authorization for the inclusion of account XXXX  - XXXX on my credit report. Thus, the inclusion of this account without my consent constitutes a clear violation of federal law. 

In light of the foregoing, I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. I urge you to take immediate action to rectify the inaccuracies in the reporting of account XXXX  - XXXX and to ensure compliance with all relevant laws and regulations. 

Please acknowledge receipt of this complaint and provide me with information regarding the steps being taken to address this issue. I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (IL)

In XXXX, Barclays reset my credit limit on my XXXX XXXX  account at what I owed. This caused the utilization rate to increase substantially, causing my credit rating to decline. 

Yesterday, they notified me they were now doing this to my XXXX Visa through Barclay 's, again, causing my credit to go down. 's WITH XXXX, I have always paid on time and a little extra each time. With XXXX 's I had one late payment, but not even thirty days and they rescinded the late fee. I have a plan to pay off or down all debts, have liquid assets to do so, and was going to do it after taxes. At this point, I will pay down or off other creditors first and put XXXX and XXXX to one of those debt relief schemes. 

I fail to see how Barclay 's harming my credit helps Barclay 's. They did not contact me before the fact or offer any other alternative. I was not adding at all to the XXXX Card, they could have freezed it or offered something like that to me and I would have taken it. Instead, they set out on a campaign to ruin my credit and it really XXXX XXXX XXXX
Consumer complaint received 2024-08-09
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. (OR)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XX/XX/XXXX
Consumer complaint received 2024-08-08
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: EQUIFAX, INC. (NC)

I am writing to file a complaint against Equifax, XXXX, and XXXX for reporting unauthorized inquiries on my credit reports and their refusal to investigate my claims. Despite multiple attempts to address these unauthorized inquiries, the credit bureaus have ignored my correspondence and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This negligence has resulted in the continued presence of unauthorized inquiries on my reports, negatively impacting my credit score and financial health.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC (FL)

XXXX XXXX XXXX is reporting on my credit report to all three bureaus that I owe over {$45000.00} in debt to XXXX XXXX XXXX. They are charging interest and claiming I owe the money I have disputed the debt and asked for validation and was told by XXXX XXXX and XXXX that it was verified and accurate I also contacted consolidated recovery and asked for validation they provided me a contract that I signed on XX/XX/XXXX this debt allegedly happened in XXXX how can I possibly be liable for something that I never agreed to be liable for or something that happened before I agreed to be liable therefore these companies are violating my rights to fair and accurate credit reporting and the FCRA And XXXX XXXX C XXXX XXXX XXXX C XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX Please see attached XXXX showing that these transactions were done in XX/XX/XXXX and a contract they say I signed in XX/XX/XXXX XXXX Cant be liable for something that I never agreed to be responsible for
Consumer complaint received 2024-01-04
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 SECTION 602A 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 WRITTEN INSTRUCTIONS SO THEREFORE I NEED THESE ACCOUNTS REMOVED IMMEDIATELY
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

[ XXXX XXXX ] [ XXXX XXXX  ] [ XXXX  elm, Texas, XXXX ] [ XX/XX/24 ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Subject XXXX Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) Dear [ XXXX XXXX XXXX XXXX ], I am writing to dispute certain information in my credit report that I believe is inaccurate. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting that the information be investigated and, if found to be inaccurate, corrected or removed to ensure the accuracy of my credit report. 

The item ( XXXX ) I dispute is/are as follows : [ XXXX the disputed item ( XXXX ), such as the name of the creditor or source of the report, the type of item, and the date it was reported. Be as specific as possible. ] I have enclosed copies of documents that support my position. Please investigate these matters and correct or remove the inaccurate information as soon as possible. 

Under the FCRA, you are required to complete this investigation within 30 days of receipt of this notice. Should you find the disputed information to be inaccurate, I request that you notify all credit reporting agencies to whom you have reported this information to correct the inaccuracies. 

Thank you for your attention to this matter. I look forward to a prompt resolution. Please send me written confirmation of the investigation results and any changes made to my credit report. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. Please see the attached documents.
Consumer complaint received 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXXXXXX XXXX XXXX XXXXXXXX, account number 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.
Consumer complaint received 2024-05-04
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. (AR)

My world finance account sold my account to a third party 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization Account number XXXX
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

Please see attached file. Attached is the appeal letter sent to navy Federal. XXXX funds show available but they still will not release my funds to me. I have contacted the security department 5 times to no avail.each time they have hung up on me and would not allow me to speak to a supervisor. This has been going on for a month. How is this possible? I look forward to hearing from you.
Consumer complaint received 2023-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valley Collection Service, LLC (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws.

Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system.

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law.

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

I received the following voicemail on XX/XX/XXXX : Attention this message is intended for XXXX XXXX this call is pertaining to case file XXXX my name is XXXX XXXX with XXXX this call is notification that attempts will be made to issue certified legal documents requiring your signature if you will not be available to sign if any changes need to be made to the time date or location of service or for more details contact the issuing firm that's handling your case their contact number is XXXX and make sure to reference your case number one calling failing to contact the issuing firm will result in a failure to appear to be issued in your name it is a time sensitive matter and you have been notified I called the number and XXXX transferred my call upstairs. A gentleman, XXXX XXXX? ) came on phone and told me he is attempting to collect a debt I owe to Toyota Motor XXXX for a vehicle I purchased in XXXX. He told me my social security number and date of birth. 
I asked him why I was just hearing about this alleged debt 23 years after the fact. He informed me Toyota sent me numerous letters that I ignored. He said the majority off attempts to collect were made by phone. I asked him what the make and model was, what address they sent collection letters to and what number did they call. He responded that he wasnt provided this information and he was hired to collect the debt using any means necessary. He said they offered me settlement amounts {$4700.00} ( I dont remember exact ) and it was small fraction of original amount but I chose to ignore them. He has to collect the full amount of $ XXXX now and I will be issued a summons now and failure to appear will be issued. 
I said I have no idea what hes talking about. He said he will see me in court.
Consumer complaint received 2023-09-20
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 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