davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The XXXX XXXX indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Consumer complaint received 2023-12-12
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. (CA)

This credit reporting company is no properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Consumer complaint received 2023-12-12
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. (LA)

Per FCRA as a federally protected consumer, I am now Opting Out of Any and All authorization I the consumer may have given you written or non written, verbal or non verbal per 15 USC 6802. I would also like too add 15 USC 1681, all the 31 address on my credit report needs to be removed. The XXXX XXXX is disclosing my utilization which is private information with that being said that is considered violation of my privacy which is 16 CFR 433.3. I'm not closing any accounts just want to update my credit report. It is a {$1000.00} fine for each violation. There seems to be many on my report.
Consumer complaint received 2023-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Automated Collection Services, Inc. (LA)

IN RE : XXXXXXXX XXXX XXXX, Original Creditor AND Automated Collection Services , Inc., 3rd Party Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Most recently, in XXXX, XXXX, I received correspondence from a XXXX party debt collector, Automated Collection Services , Inc. ( ACSI ), wherein the original creditor, XXXXXXXX XXXX XXXX, shared my personal and private information without my knowledge and/or written consent - violating FCRA law ( s ) and consumer law ( s ) and sold this alleged debt that I have no knowledge of, along with inaccurate information. ASCI is demanding payment in the full amount of {$2700.00} ; and also, XXXXXXXX XXXX XXXX closed  and charged off this alleged account and reported same to the three ( 3 ) credit bureaus, additional 3rd party affiliates. Moreover, this inaccurate and alleged debt is sitting parked on my consumer report affecting my credit score and ability to get approval for loans, credit, cards, etc.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am writing to express my serious concern about the sudden closure of my two HSBC US accounts on XX/XX/year>. These accounts were : Account Number : [ Account Number XXXX ] - Previous Balance : {$1500.00} USD Account Number : [ Account Number XXXX ] - Previous Balance : {$500000.00} USD I was not notified beforehand about the closure, and upon contacting customer service, I was informed that the decision was made based on " deposit rules. '' Unfortunately, this explanation was unclear and did not provide me with a clear understanding of the situation. 

Furthermore, I requested to keep the funds in my accounts for a 3-day transfer to my HSBC XXXX account XXXX However, my request was denied, and the bank opted to issue an international check instead. This process raises several concerns : Delay : The check issuance and delivery process can take up to 40 days, causing significant inconvenience. 
Fees : There are associated fees for collecting the check internationally. 
Security : International checks can be less secure than electronic transfers. 
Due to these concerns, I request : Account Reversal : The immediate reversal of the account closures and the return of my funds to their respective accounts. 
Transfer Facilitation : Support in facilitating a swift and secure transfer of the funds to my HSBC XXXX account. 
Compensation : Compensation for the inconvenience and distress caused by this unexpected closure and lack of clear communication. 
I have always strived to maintain a positive banking relationship with HSBC US. I kindly request a prompt resolution to this matter. Please contact me at your earliest convenience to discuss these concerns and arrange a solution. 

Thank you for your time and attention to this urgent matter.
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: Bread Financial Holdings, Inc. (NC)

I have been disputing inaccuracies on my credit report since XXXX, XXXX still haven't deleted or corrected inaccurate information, I've made all my payments on time, paid off Capital XXXX, XXXX, XXXX accounts. XXXX sent updateds which was not updates on XXXX and XXXX which wasn't updates there was no change on my credit report, Capital XXXX they said was verified, I'm asking for the FURNISHER to sent me the information they used to verify and update Capital XXXX, XXXX, XXXX accounts.
Consumer complaint received 2023-12-12
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. (MD)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA
Consumer complaint received 2023-08-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Account Number : XXXX {$48.00} balance - open date XX/XX/XXXX Grain Technology Account Number : XXXX {$300.00} balance- open XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1000.00} balance Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1200.00} balance Open date XX/XX/XXXX AFFIRM XXXX account number XXXX balance {$540.00} open date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX 336 Dayton, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX Employ XX/XX/XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc (NC)

sent alleged debt validation - requesting - proof that I owe this alleged debt or a contractual obligation that is binbing me to pay this alleged debt Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. 

They didn't provide me with actual debt validation
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my credit report every year. Each year I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. XXXX, XXXX, TransUnion, and XXXX.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

I.C System INC Account # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I am writing to dispute the debt collection practices of I.C. System, Inc. related to my account [ XXXX ]. THIS company has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ).
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (FL)

I have no record of this debt, and had I been properly notified to dispute it, I would have done so. If you did indeed send a letter to an incorrect address, I request that you provide me with a copy of it along with the certified receipt bearing my signature as proof of its delivery to me. According to the Fair Debt Collection Practices Act ( FDCPA ), you should have sent me a letter within five days of receiving the debt. Additionally, the name and address associated with this debt are incorrect. Furthermore, you're reporting that a payment was made within the last year, which is inaccurate. Given these errors, I request that you promptly remove this entry from my credit report.
Consumer complaint received 2023-12-12
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Consumer complaint received 2023-12-18
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. (MO)

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the multiple attempts to correct the late opening of accounts and the removal of late-closed accounts associated with my account at your esteemed institution. 

I initiated the process to open and close accounts, respectively. Unfortunately, these actions were not processed in a timely manner, leading to significant inconveniences on my part. Despite my repeated attempts to rectify the situation through various channels, the issue remains unresolved. 

I have made numerous phone calls to your customer service department, visited the branch in person, and submitted written requests through your online portal, all in an effort to expedite the resolution of this matter. Regrettably, each interaction has yielded nothing but assurances and promises without any concrete action taken to address the delays and errors in the account processing. 

The impact of these delays has been substantial, affecting my financial stability and causing undue stress. Furthermore, the late opening of accounts has resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I understand that errors can occur in any institution, but the repeated failures to rectify the situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is within my rights to receive timely and accurate service from your institution, and I am disappointed that this has not been the case. 

In light of the above, I kindly request that you take immediate and effective action to resolve this matter. I expect a thorough investigation into the root cause of the delays and errors, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.
Consumer complaint received 2016-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I purchased my home in 2006 from XXXX XXXX XXXX. XXXX sold my mortgage to Nationstar. Everything was fine as far as I knew. I was told by nationstar I could lower my current mortgage payment with a low rate refinance. So, I refinanced my mortgage. My mortgage briefly changed, not much, then went back up. I called and inquired why. I was told my escrow with XXXX was not enough to cover current escrow when I refinanced. Never heard this before and I asked about my equity from my house and was told they used it. I never agreed to that. I was mislead, tricked and misinformed intentionally. After 10 yrs from a XXXX mortgage, after refinancing with Nationstar, I still owe XXXX. My mortgage was lower before I refinanced. I requested a copy of my refinance papers and they never sent it. I never went to the bank they sent travel notaries to my house. If Nationstar purchased my loan, why am I being penalized from their purchase from XXXX. I did n't choose them. What can be done?
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have been trying to communicate with PYOD through various disputes since XXXX 
They have provided no proof of the original agreement with my signature and/or any other identifying information. I do not believe this debt belongs to me as I did not open an account with XXXX XXXX, the original creditor for the debt collection.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (GA)

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately. 

Inquiries reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (CO)

Nationstar/Mr. Cooper sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with Nationstar/Mr. Cooper, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/year>, I entered into a consumer credit sale with XXXX, XXXX for the purchase of a XXXX XXXX XXXX. At some time after the sale, some third-party name Bridgecrest began XXXX itself as the creditor of the loan. After sending several correspondences to Bridgecrest to determine their involvement in this credit sale, I have been left with no answers. Bridgecrest has made claims it services the contract but is aloof in saying it is the servicer for XXXX, XXXX ( the listed lien holder ) of the vehicle. Pursuant to the UCC, I requested a full statement of account from XXXX, XXXX who failed to respond, which constitutes a breach of the agreement, as well as a statutory violation. My research has shown that XXXX XXXX XXXX regularly sells its rights in retail installment contracts through a series of purchase agreements and those agreements get securitized in a XXXX XXXX. Upon information and belief, consumer feels this is the case here and a series of transfers has happened, and XXXX, XXXX and Bridgecrest have been materially misrepresenting themselves as creditors and lien holders confusing the consumer, as well as preventing him for making informed decisions about his alleged obligation. Furthermore, the agreement is unfair and one sided with a finance charge almost as large as the amount financed.