davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-30
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: ENCORE CAPITAL GROUP INC. (TN)

I have disputed this alleged debt with Midland Credit Management. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive sent in dispute letters to XXXX, XXXX, and Trans Union for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.
Consumer complaint received 2024-04-11
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. (AZ)

Letter to TransUnion and XXXX. 

I am sending you a follow-up letter regarding the remaining derogatory items that you have continuously furnished on my credit report. I want to emphasize that these accounts still show inaccurate information. 

XXXX. XXXX XXXX XXXX XXXX Account # : XXXX This account has inaccurate details in Account Status, Date opened, Payment Status, Last Reported, Date Last Active and Date of Last payment. 
As per FCRA, Accuracy of report. I have the right to dispute inaccurate or incomplete information on my credit report and I firmly request that it must be corrected or REMOVED. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Account # : XXXX This account has been successfully deleted in XXXX!!! And it still has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX  ) - Account # : XXXX This account has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

I look forward to seeing these accounts completely wiped out from my credit files by next month. 

Regards, XXXX XXXX
Consumer complaint received 2023-04-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (GA)

In late XXXX XXXX XXXX  after login in on my Carvana account I noticed that XXXX vehicle was not appearing on my dashboard as if I did not own the car, even though I have documents that shows that the vehicle was signed over to me. I was able to get in contact with a representative from the executive resolution team about the issue. It was stated by the representative that there was an error on Carvana 's end and did not know how this issue happened. Days later some how the vehicle was back registered under my name without me signing any new documents/contracts agreeing to a reinstate the contract. Is it legal to reinstated a vehicle in my name without my consent to reinstate. After facing this issue I was not planning on reinstating the vehicle in my name, however it was done so without my consent to reinstate.
Consumer complaint received 2023-10-19
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)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have been trying to use the Amex gift cards for purchases online with different retailers that accept Amex. I was only able to use one lower value card, the rest keep getting declined ( they are higher value ). Amex has stated that their gift cards should be accepted everywhere where Amex cards are accepted - but that is a blatant lie and scam.
Consumer complaint received 2017-01-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XX/XX/XXXX, I applied for a loan modification, just wanted to reduce interest only with XXXX. I was lured to miss a few payments in order to qualify for MOD by XXXX representative ( XXXX ) Unfortunately, I was wrongfully denies for MOD.XX/XX/XXXX. Then I had litigation with XXXX and other defendants. My loan was lost ( broken chain of title ), presumably at XXXX XXXX. Even, I presented all evidences at XXXX County Superior court, the judge XXXX XXXX refused to accept the facts. I think he should move in to live with the bank because he made his ruling so much favor to the bank. XXXX! I am woundering why should the court system even exists from the first place. Then, I already submitted my loan modification again ( I have to starte all over again ) through XXXX XXXX XXXX on XX/XX/XXXX. Now, Nationstar Mortgage , LLC served me a " Trustee sale '' dated XX/XX/XXXX again. This is another violation of XXXX. I would like to let the world know my XXXX suffering and enduring for a very long time.Thank you..
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Equifax security freeze team Please remove all fraud alerts and credit freezes from my Equifax credit report immediately. I am unable to obtain credit or view my Equifax credit report which is affecting my credit worthiness and the ability to establish new credit. Myself or creditors are unable to view my report.

Please remove it immediately Thanks.

Attached to this complaint is a copy of utility bill, drivers license and ssn card..
Consumer complaint received 2024-04-11
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. (PR)

The credit reports show a public record on my credit that is not mine, I asked the credit company to delete this public record on my report, but it took more than XXXX  days and they didn't send me the investigation, and the account is still on my credit report. Please investigate this ; The Public Record Number is XXXX.
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CO)

I purchased a {$500.00} VISA gift card from a king soopers. When I went to register the gift card online, I was unable to because somehow the information had been stolen and the {$500.00} withdrawn in a state thousands of miles from where I live and purchased the card. I called Visa, submitted a fraud complaint, gave them all the necessary card information, and they sent a letter in the mail from their prepaid dispute section saying that they believe an error occurred, credit in the amount of {$500.00} was posted to my account, and I should receive a new card within in 7-10 business days. That was XX/XX/XXXX. Now, 3 months later, no card, no refund. Ive called them since and theyve been unable to help me.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (MA)

I was looking at my credit report and noticed they were some things that was not correct. I sent two letters to Experian on XX/XX/2023 and XX/XX/XXXX XXXX Mail here is my tacking numbers XXXX. ) XXXX XXXX. ) XXXX But it has been more than 35 days since the credit bureaus haven't responded. That's a violation of 15USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and accept as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer smile at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is incorrect and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group (CA)

To whom it may concern I was served a copy from a court settlement debt. This XXXX account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXXXXXX XXXX   XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is XXXXXXXX XXXX with the case number of XXXX and I as the defendant. I never opened this XXXXXXXX XXXX nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling Moore Law Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( XXXX ATTORNEY ) but no luck. I was only able to leave a message. Please help me settle this or correct this mistaken debt collection. 
I could also be reached at XXXX or XXXX XXXX XXXX. 
Thank you and have a great day.
Consumer complaint received 2018-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (NJ)

On XX/XX/2018, I received a letter from AlliedInterstate LLC dated XX/XX/2018 regarding a debt from original creditor XXXX XXXX XXXX, creditor : XXXX, amount owed : {$46000.00}, Allied Interstate Acct # XXXX. 

I dispute the validity of this debt as it is addressed to the wrong person. Pursuant to my rights under the federal debt collection laws, I am requesting that you cease and desist sending letters to our address. You are contacting the incorrect person. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey Attorney General 's office. Civil and criminal claims will be pursued.
Consumer complaint received 2024-04-12
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-04-12
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-01-15
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to file a complaint against GENESIS CRDT regarding discrepancies in the reporting of my account. I have submitted disputes for the account in question, disputing the accuracy of certain information. Despite my efforts, GENESIS CRDT has responded asserting that the information is verified and accurate. However, I have observed significant disparities between their reported information and that of XXXX and XXXX. 

The discrepancies that I am disputing include : Account Status : GENESIS CRDT reports a different account status compared to XXXX and XXXX. The accurate account status must be promptly reflected to ensure fair and accurate credit reporting. 

Date Opened : There is a notable variance in the reported " Date Opened '' by GENESIS CRDT compared to XXXX and XXXX. It is imperative that the accurate date be reflected for proper credit assessment. 

Date of Last Activity : The reported " Date of Last Activity '' differs between GENESIS CRDT and the information provided by XXXX and XXXX. Ensuring the correct date is crucial for an accurate representation of my credit history. 

I have attached supporting documentation, including the responses from GENESIS CRDT, as well as the corresponding information from XXXX and XXXX. The evidence clearly demonstrates the inaccuracies in GENESIS CRDT 's reporting.

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that GENESIS CRDT rectifies the inaccuracies in their reporting. I am seeking the removal of the discrepancies mentioned above to maintain the integrity of my credit report.
Consumer complaint received 2024-04-11
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. (AZ)

Letter to XXXX and Equifax. 

I am sending you a follow-up letter regarding the remaining derogatory items that you have continuously furnished on my credit report. I want to emphasize that these accounts still show inaccurate information. 

XXXX. XXXX XXXX XXXX  - Account # : XXXX This account has inaccurate details in Account Status, Date opened, Payment Status, Last Reported, Date Last Active and Date of Last payment. 
As per FCRA, Accuracy of report. I have the right to dispute inaccurate or incomplete information on my credit report and I firmly request that it must be corrected or REMOVED. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  ) - Account # : XXXX This account has been successfully deleted in XXXX!!! And it still has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX ) - Account # : XXXX This account has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

I look forward to seeing these accounts completely wiped out from my credit files by next month. 

Regards, XXXX XXXX
Consumer complaint received 2023-06-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GFS II, LLC (OH)

I brought a used XXXX XXXX from Gateway the dealer offered a pay XXXX  years and move up to better vehicle, transmission replaced XXXX  XXXX loss job paying for rides.attemptrd to give car back dealer wouldn't accept. Sued in Municipal court, settled out of distress, Gateway harassed me after XXXX pmts, now garnishing wages.filed XXXX Discrimination against Gateway with XXXX civil rights commission, withdrew charg
Consumer complaint received 2023-05-01
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. (TX)

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Incorrect Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} Inquiry : XXXX XXXX, XXXX XXXX, XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I recently had a fraudulent account removed off of my credit report. They placed it back on there days later with a different debt collector! I tried to file a new FTC report and they recommended me to file a CFPB complaint.