davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosebud Economic Development Corporation (TX)

On the afternoon of XXXX XX/XX/2024 I, my wife, and mother, received calls from a company stating their name was " XXXX '' informing me they were under contract to find me to help serve me with a debt collections lawsuit pursuant to a bad debt from Zoca Loans doing business as Rosebud Lending. 

I filed a report with the XXXX XXXX Sheriff 's Office ( XXXX, TX ) Report Number XXXX XXXX XXXX Sheriff 's Office XXXX XXXX XXXX XXXX, Texas XXXX Report Number XXXX I am XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, TX ( formerly XXXX XXXX, TX ) and was part of the XXXX XXXX XXXX XXXX hack several years ago as well as XXXX. I have multiple fraud alerts on my credit and immediately checked XXXX, XXXX, and XXXX and did not see Zoca Loans or Rosebud Lending. I executed internet searches for Zoca Loans and Rosebud lending and called them to explain this loan was obtained using fraud and I did not enter into this contract. 

A service representative reportedly named XXXX stated they would not engage me despite my assertion this was fraud and I had never contacted Zoca Loans or Rosebud Lending before. XXXX stated Zoca Loans did not check credit and issued an {$800.00} loan under my social security number and sold the debt to XXXX XXXX XXXX in Florida and XXXX Loans would no longer communicate with me or help me resolve the issue because they sold the fraudulent debt to a debt collector. 

National Debt Holdings Certification Number : XXXX XXXX XXXX XXXX XXXX XXXX Certification Number : XXXX Phone XXXX ext XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Suite XXXX XXXX XXXX, FL XXXX Zoca Loans states it does not check credit and as a member of the US Military I am at risk for ID theft. I place alerts on my credit however Zoca Loans advertises it does not check credit and simply releases funds. https : //www.zocaloans.com/en/faq/ # contact-us-section Zoca Loans stated XXXX used a phone number I do not recognize to verify me XXXX Zoca Loans stated it used an email I have never used to verify me XXXX I called XXXX to find out if how XXXX can access this email and they will not allow me to access this email. 

Zoca Loans stated they transferred the funds to a bank I have never heard of and the bank states there is no record of my social security number of file for any account ( Rep XXXX XXXX at XXXX - XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank in NY and the XXXX XXXX. 

I did not apply for this loan. I did not submit identification for this loan. I did not consent for my information to be used for this loan. This is fraud and I believe this is a crime. I did not sign any document a reasonable and prudent person, business, or trained loan underwriter could assume is permission to tie me to this debt. Neither business entity can produce my legitimate email, my legitimate phone number, my signature, my banking information, or anything about me. This is fraud.
Consumer complaint received 2024-08-05
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 writing to you for the second time regarding the inaccurate information reported on my credit file. My previous letter, dated XX/XX/year>, has not yielded the appropriate action, and I remain deeply concerned about the handling of my dispute. Specifically, I am requesting a detailed explanation of the verification process your bureau utilized to investigate the disputed accounts. According to the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Your failure to comply with these regulations is highly troubling and suggests a lack of adherence to the legal standards set forth by the FCRA. The accounts in question do not belong to me and are erroneously attributed to my credit profile. These accounts belong to another individual, and I have no association with them. I have provided ample evidence to support my claim, yet these inaccuracies persist on my credit report, causing undue harm to my credit standing. I demand that you provide a comprehensive account of the steps taken during your investigation, including the methods and sources used to verify the disputed information. The lack of resolution from your previous response indicates a possible failure in following the mandated investigative protocols, which is unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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  Account XXXX has violated my rights. Or a 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 2024-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Statebridge Company (UT)

I have contacted this company on at least 4 occasions to resolve my concern related to payments not being posted to my account. They continue to tell me I don't have a past due balance, but do not provide me with information about the payments I have made. The statements I have received do not show a transaction history. I have asked to speak to a supervisor - the first time I was told they were not there, the second call I was told they would be there after noon MST and they weren't. Today I was told they would not be back until Monday and to call after XXXX MST on Monday ( it's only XXXX MST ). I have sent the requested information - copies of payments sent. Today I received a letter in the mail saying my account is in arrears and I may be foreclosed on. 
I feel like I have not been able to resolve this and it may be negatively impacting my credit score. Please help.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc. (GA)

XXXX XXXX XXXX XXXX continues to allege I owe a debt I do not. Under the Fair Debt Collection Practice Act XXXX XXXX XXXX should have sent me a notice of my right to dispute this debt before the information was sold to credit bureau to be placed on my consumer report. I have received no such notice and I dispute this debt as belonging to me and have no contractual obligation to XXXX XXXX and refuse to pay this debt.
Consumer complaint received 2024-03-20
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. (GA)

XXXX and Equifax continue to report an allege debt I do not owe and they have not validated or verified as belonging to me. I have received no documentation or contact information on who they spoke with to validate this allege debt. This debt has been canceled out and is now considered income and can not be reported to the credit bureaus.
Consumer complaint received 2024-03-20
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: Spring Oaks Capital, LLC (GA)

XXXX and SpringOak Capital continue to report and allege debt I do not owe. I did not receive any documentation or contact information for the party whom they spoke with to validate this debt. Under the Fair Credit Reporting Act this debt had to be properly validated before it was able to be reported.
Consumer complaint received 2024-03-20
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)

TransUnion and XXXX XXXX continue to report and allege debt I do not owe. I did not receive any documentation or contact information for the party whom they spoke with to validate this debt. Under the Fair Credit Reporting Act this debt had to be properly validated before it was able to be reported.
Consumer complaint received 2024-03-20
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)

TransUnion and XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act by reporting this allege debt that has not been validated or verified as belonging to me. I have received no documentation or contact information for me to follow up with on how they were able to validate this debt.
Consumer complaint received 2024-05-07
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. (PA)

XXXX XXXX XXXX is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that XXXX XXXX XXXX deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

Law firm sent me forms stating that the judgment was dismissed. VA loan officer said I am unable to buy a home with VA loan because lexis nexis shows XXXX on their database but my credit reports don't show a bankruptcy XXXX as it never was filed. I've contacted law firm and they stated they've done everything on their end. I ; 've tried contacting lexis nexus but have had no luck. The city it was filed in was XXXX XXXX in CA.
Consumer complaint received 2024-03-20
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)

TransUnion is reporting a collection account XXXX XXXX XXXX Account # XXXX that is not accurate. This so called debt has been canceled per the IRS and this is now considered income and can not be reported. I have also not validated this debt as belonging to me and have received no evidence from TransUnion that they have validated this debt with proper document or verification from a human.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

Jefferson Capital Systems Inc continues to allege I owe a debt I do not. Under the Fair Debt Collection Practice Act Jefferson Capital Systems should have sent me a notice of my right to dispute this debt before the information was sold to credit bureau to be placed on my consumer report. I have received no such notice and I dispute this debt as belonging to me and have no contractual obligation to Jefferson Capital and refuse to pay this debt.
Consumer complaint received 2024-04-23
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: Continental Finance Company, LLC (TX)

I WAS TOLD TO EMAIL COPIES OF MY CREDIT REPORTS TO THE BAK OFFICES ON XX/XX/year>. 

I REQUESTED A SUPERVISOR OVER THE TELEPHONE CALL TO DISCUSS THE XXXX  DAY LATE ON MY CREDIT REPORTS AND WAS ADVISED THE ** NO LATE FEES WERE ACCESSED FOR XXXX XXXX AND TO EMAIL THE CREDIT REPORTS COPIES TO THE ( XXXX ). I THAN WAS LIED TO ON SEVERAL OCCASIONS THAT I MUST WAIT XXXX HOURS ON XXXX DIFFERENT CALLS FOR A RESPONSE BY EMAIL FROM THE XXXX XXXX! NEVERTHELESS, NOTHING WAS DONE AND AS OF TODAY, I WAS TOLD TO DISPUTE THE INFORMATION WITH THE CREDIT BUREAUS DIRECTLY IN WHICH I HAVE SINCE XX/XX/year>.
Consumer complaint received 2023-12-15
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. (AL)

I have 2 auto loan accounts reporting that do not belong to me. I never opened either of these accounts. I have an idea who opened the account ( maybe some relatives that used my information ). I do a lot of traveling with my job and I am never home that much so I am guessing that someone that was living with me opened these accounts. I guarantee that these finance company do not have my actual signature on file because I never open these accounts.
Consumer complaint received 2024-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MO)

Mr Cooper purchase my Loan from XXXX XXXX in XXXX of XXXX. 

Back on or around XX/XX/XXXX, I received notice that My Escrow was short and my payments were going up from {$1200.00} a month, to {$1400.00} a month. My Insurance did go up {$400.00} and my Taxes did go up almost {$700.00}, Both annually, I also had a small shortage of {$420.00}. So my total escrow shortage for this upcoming year would have to be paid back ( Around {$1500.00} ), which is more than consumed by the {$2700.00} increase

in Escrow. I was the notified that my Escrow would increase again another {$70.00}, then again at another
{$300.00}. They are wanting to pull almost {$900.00} in Escrow a month. That's roughly {$10000.00} in Escrow for a tax and insurance bill of {$5500.00}. I am on fixed income due to a XXXX and I will lose my home. 

Every time I talk to them, I get rude customer service, disconnected, or get different sets of numbers, projections and payments. My Mortgage payments have changed from anywhere from $ XXXX {$2300.00} a month. They change their story every time. I have several spreadsheets from them that under value my Escrow on each sheet by hundreds. Which is throwing off the amounts. The reason that I am using " rough '' numbers, is because as I mentioned, they give me different numbers and excuses every time.
Consumer complaint received 2023-11-07
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three 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 or deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (KS)

I got my federal taxes listed on to a prepaid XXXX  XXXX from XXXX XXXX and American Express. There Is a app for your phone for the card to check your transactions and balance. I didnt use the card or app often. So the beginning of XX/XX/2024 I logged onto the app to get my account information and noticed my balance was almost {$2500.00} short!! There were almost {$2500.00} worth of transactions to a XXXX account that was NOT mine and I did NOT authorize. I immediately closed my card online and reported it stolen thru the XXXX  app. I also looked on the app to see what to do if this happens. It said to write to them and include everything. So thats what I did. I printed off all transactions, included my police report and the officers card.I mailed it off priority mail. I waited for almost 2 weeks for a response and never got one. So I finally called. 
The lady on the phone said they never received my dispute and redid the entire thing. I received a email asking for my documents and I uploaded all of them. I told them I did NOT authorize ANY of the transactions. 12 days later I get an email saying my dispute was denied. 
My card was used on someones random XXXX that did NOT have my name on it or anything to do with it. I did not authorize the transactions. How can they deny my money?
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Companies are in violation of title 15 usc 1681b, reporting without written consent, title 15 usc 1681 c-2. Information in alleged identity theft be removed in 4 days, also in violation of title 15 usc 1681n and title 15 usc 1681o. Willful and negligent non compliance 2nd attempt for abritration
Consumer complaint received 2024-03-30
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. (TX)

Companies are in violation of title 15 usc 1681b, reporting without written consent, title 15 usc 1681 c-2. Information in alleged identity theft be removed in 4 days, also in violation of title 15 usc 1681n and title 15 usc 1681o. Willful and negligent non compliance 2nd attempt for abritration
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have three claims open with Bank of America with XXXX XXXX XXXX, a XXXX money transfer service that is covered under Regulation E.

1005.3 Coverage. 
iv. A transfer from the consumer 's account resulting from a debit-card transaction at a merchant location, even if no electronic terminal is involved at the time of the transaction, if the consumer 's asset account is subsequently debited for the amount of the transfer. 

They have refused to issue me a provisional credit for these claims citing that they are not Reg. E. even after providing them with the exact reference on your website. I called them several times, faxing them the attached documents and they still refused to issue a credit repeating that it was not a Reg. E dispute.