davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-01
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. (MI)

In 2023 I contacted the debt collection agency on my credit report and requested that they send me a copy of my original promissory note be mailed to me. They sent me a copy of my credit report with my name typed and forged instead of cursive/personal signature and forged on the signature line of the contract. If they can't furnish my personal original signature contract then this student loan is null and void and has been breached by original lender. I didn't make a contract with the debt collection agency nor can they prove I did meaning this debt has already been discharged and forgiven. I also never received a 1099c IRS form which I am required to receive after a discharge of debt. According to 15 USC 1681 and UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (TN)

XXXX sent me a letter last month saying they are collecting a debt for MaxLend. I asked for proof of the debt and they sent me documents which indicated I allegedly borrowed {$1600.00} and made application on XX/XX/2022. The loan maturity date was XX/XX/2022. The APR is 635 % with a first payment of {$250.00} and remaining payments of {$400.00} every two weeks. The documents had my correct social security number and address. However, the bank routing number and bank account number where the funds were sent are not mine. The documents indicate I applied electronically for the loan and I gave consent for all communication to be electronic. I have never received a phone call, email or text from MaxLend. I never signed electronically for a loan with MaxLend. I am a victim of identity theft.
Consumer complaint received 2024-05-28
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated this things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that the account is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I am beyond exhausted with all my efforts to resolve this matter with ability recovery services for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery services has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.
Consumer complaint received 2024-05-28
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)

I sent a letter last XX/XX/XXXX to removethese items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remov these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$2000.00} HWARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-28
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$56000.00} XXXX XXXX  XXXX XXXX XXXX : {$5100.00} XXXX XXXX Balance XXXX {$24000.00} XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-28
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. (GA)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2019-01-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (ID)

I sold my house XX/XX/2018 and paid off all my bills. Idaho XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XXXX I made no more payments which means Idaho XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (SC)

I HAVE A FEW ACCOUNTS ON MY CREDIT REPORT THAT I DON'T RECOGNIZE. SOMEONE STOLE MY IDENTITY AND OPENED SOME ACCOUNTS. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Syncb Amazon XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If you can please look into this and delete these immediately. Thanks
Consumer complaint received 2024-08-01
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)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-06-03
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. (TN)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2024-09-05
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)

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. 

Account Name : 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 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 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Main Line Recovery Solutions, Inc. (MA)

Subject : Dispute of Debt - Request for Validation and Documentation ( Acct : XXXX ) To Whom It May Concern, I am writing to formally dispute the validity of a debt reported on my credit report by your company. The debt in question is associated with XXXX XXXX  and amounts to {$3800.00}. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting comprehensive validation of this debt. 
Specifically, I request the following documentation to verify the legitimacy of this debt : 1. Proof of Attendance : Documentation from XXXX XXXX that verifies my attendance, including dates of enrollment. 
2. Final Grade or Transcript : An official transcript or any records showing the final grades received for the courses taken. 
3. Course Details : Detailed information regarding the courses I was purportedly enrolled in, including course names and descriptions. 
4. Original Contract or Agreement : A copy of the original contract or agreement I signed with XXXX XXXX, indicating my obligation to pay the stated amount. 
5. Itemized Statement : An itemized statement of the debt, showing how the amount of {$3800.00} was calculated, including any fees or interest. 
6. Verification of Authority : Documentation proving that XXXX XXXX XXXX is authorized to collect this debt on behalf of XXXX XXXX. 
7. Payment History : A complete history of payments made on the account, if any. 
8. Prior Actions Taken by XXXX XXXX  : Detailed information on all actions XXXX XXXX took to contact me regarding this debt before transferring it to collections. 
9. Prior Actions Taken by XXXX XXXX XXXX : Documentation of any attempts made by XXXX XXXX XXXX to contact me and settle this debt before it was reported on my credit report. 
10. Proof of Initial Contact : As required by the FDCPA, proof that at least one of the following methods was used to contact me about the debt before it was reported to a credit reporting company : a ) Speaking with me in person b ) Speaking with me by telephone c ) Mailing me a letter and waiting a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered d ) Sending me an electronic communication and waiting a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered 11. Signed Documents : All documents, including electronic records or images, which bear my signature and which concern the debt being collected. 

Please note that this request for validation is made pursuant to the laws governing debt collection practices in the state of Massachusetts. Until these documents are provided, I am disputing the debt and request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

I appreciate your prompt attention to this matter and look forward to your response. Please send all requested documentation to the address listed above or via email at XXXX Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2023-04-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I signed a contract with Rocket Mortgage, to refinance my house, that I owned free and clear. The home did not have insurance as I had bought it for cash tears earlier. As part of the closing, I agreed for home owners insurance and flood insurance to be paid for out of the my equity funds at closing, and then to pay extra each month for the insurances and taxes to be paid in escrow. 
However, something happened with the Flood Insurance and there was a wrong address or something, and I was told the check was sent to the insurance company, but no flood insurance was placed. I then received a letter from Rocket Mortgage telling me I allowed my Flood Insurance lapse. It is impossible for me to allow it to lapse, because it was paid for in closing and is escrowed. 
I contacted the mortgage company and all they would say is they were going to get Force Placed Insurance, so I contacted insurance agent and the mortgage broker trying to find out why I was going on. At this point, the mortgage company and the closing agent should have been looking into this. We eventually got the issue cleared up, which required me having to pay cash to the insurance comp-any, which was not the original contract agreement. 
Meanwhile, Rocket did the Force Place Insurance and changed my mortgage amount, then changed it again, and then charged me for the mistake. 
My mortgage is just under XXXX and I have paid XXXX early every month, yet I have not received full credit for my extra payments, and then Rocket began charging me late fees because I refuse to pay for the mistake in closing. 
Finally, they sold my mortgage and passed the problem to another company, where that company charged me fees that Rocket passed on, including a late fee, when all my payments have been made early. 
Rocket mortgage refused to work with me and fix the mistake that was made in closing. It seems the consumer was the only one not protected during the closing, and all the professional licensed professionals involved in the closing absolved themselves of all responsibilities.