davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character.

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.

Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : 1. Creditor is in breach of any alleged agreement that it claims I am bound by.

2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.

3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.

4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization.

5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 

CREDITOR NAME : XXXX XXXX  : XX/XX/2023 BALANCE : XXXX CREDITOR Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (MI)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (MI)

I had a Target credit card in XXXX. Around XXXX I was unable to pay and the account went default. This credit card has been reporting as derogatory for well over 7 years. I have continued to dispute this on XXXX and other CRA 's and it just will not come off. This debt is started nearly 14 years ago, and has been closed. I don't know how to get this off of my credit report.
Consumer complaint received 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (SC)

My mortgage was assumed by M & T Bank. I went from paying about {$560.00} with my previous mortgage company or so to over {$1000.00}. When asked why the increase I was told that my escrow balance was in the negative. I paid what I was supposed to pay. I lost my job and asked about modifying my escrow payments until I was able to find employment. I also asked for any programs that they provided to help. I was told I could not get help until I was late. Of course, I end up paying late due to no job and their advice. Then I'm told I'm not behind enough to get help. So now I'm trying to catch up. Well I go to make a payment and I'm locked out of my account. I try to call I can't get anyone on the phone. When I was able to get someone on the phone 2 days later this posted as another late payment to my credit. For the past 4 months I've called and asked them to not lock my account so that I can make payments as necessary. I work the same hours as them an need flexibility in making my payments. I spoke to someone about help ( now that I'm almost 3 months behind ) and they are supposed to send something. Then i was told i had to make XXXX payments instead of the XXXX that i was able to make. I still haven't received it. The principal on my mortgage is {$160.00} and my mortgage payments are about {$1000.00} ( or so ). Why is {$650.00} going to escrow?!! {$200.00} is going to interest. I'm paying more in both interest and escrow then is even going to my mortgage. Especially without notification or explanation that was going to be a change. I feel as though they were giving me bad advice and increasing my rates to make me loose my home. I got approved off of a job making $ XXXX. They were not willing to even set up a plan to pay off any negative escrow balances ( to was due to no fault of my own. ). To block me from making payments so that I can get caught up and to not even offer XXXX service for those with alternate schedules if online is not available. My credit has gone from the mid XXXX 's to the XXXX 's all from following the advice from a company that is supposed to be helping companies not setting them up for foreclosure and financial ruin. This is sad!
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-06
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-25
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. (GA)

these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX XXXX # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AL)

I am uploading this showing my filing for identity theft which occurred in XX/XX/2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a newborn. I need help please
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-01-06
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (CA)

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed The items below should all be updated to paid as agreed on my consumer report.

Below accounts is in Violation under 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-04-22
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. (FL)

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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 2019-01-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Prior to purchasing a new truck in XX/XX/2018, XXXX XXXX, did NOT borrow money from Pentagon Federal Credit Union ( PenFed ). Instead he took out a loan with a different credit union. 

On XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed requested evidence of insurance coverage for the vehicle. 

On XX/XX/XXXX, Mr. XXXX, an active member of the military, died suddenly. 

On XX/XX/XXXX, XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed demanded proof that it was lienholder, threatening that failure to provide this information would result in a loan recalculation. 

Mr. XXXX 's surviving spouse ( and daughter who had power of attorney for her mother ) telephoned PenFed but  PenFed refused to speak with either of them as they were not the borrower on file. 

On XX/XX/XXXX, Mrs. XXXX sent a copy of the death certificate by mail with a letter requesting proof of a loan because her records showed that there was none. 

On XX/XX/XXXX ( and again on XX/XX/XXXX ) PenFed sent an empty message of sympathy accompanied by a demand for the balance of the loan in the amount of {$26000.00}. 

Only after asking her personal attorney to call, was PenFed willing talk about the barrage of demand letters on a non-existent loan. On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX, said that the loan was canceled the day before onXXXX, because the loan was never negotiated. The substance of this phone conversation was confirmed in a XX/XX/XXXX letter by XXXX XXXX, Estate Accounts Assistant. In this letter, PenFed acknowledged receipt of the death certificate, stated that the loan check had never been negotiated and there was no longer any open loan on file. However, PenFed stated that Ms.XXXX needs to complete a membership application in order to receive the small balance of the savings account funds and get the credit card transferred into her name ( but she would owe payments on any outstanding balances. There was no information as to what if any balance was owed on the credit card ). 

But the icing on the cake was sent on XXXX XXXX XX/XX/XXXX. The letter was addressed to the deceased (! ) demanding copy of the title to establish that PenFed is the lienholder on this NON EXISTENT LOAN! 

In a light most favorable to PenFed, this is an administrative error of epic proportion and the lack of empathy is appalling. In a light least favorable to PenFed, this is an attempt to fraudulently extort money out of a grieving XXXX XXXX widow for money that was never borrowed from PenFed in the first place.
Consumer complaint received 2024-04-22
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. (CO)

I am trying to purchase a house, I realized that I had damages on my credit report. According to the 15 US 1666b there should not be any damages on my report its a defamation of character.
Consumer complaint received 2023-04-14
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. (NY)

the student loan are over 20 years old and were at one point in default then they were removed of report almost 10 years ago. for some reason the student loans are back on my reports and reporting CURRENT. I have not seen or heard from these loans and could nit be current at all I called the loan carriers and they said they have no answers because they show no payments in over 10 years.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services (CA)

In XX/XX/XXXX I filed a complaint with Mercedes Benz because I had so many problems with my XXXX XXXX C Coupe. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXX to check on the complaint and I had to file all over again because Mercedes " Lost '' my complaint.

I deferred my payment to Mercedes, later they clain they couldn't find the deferment and penalized my credit 67 points.

Bottom line is that this car lease and car have been returned and satisfied to Mercedes Benz.

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit.

I want Mercedes to fix this issue and remove it from my credit. Everything has been paid.

I don't have they car Mercedes does.
Consumer complaint received 2024-04-22
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)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with XXXX, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, XXXX has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that XXXX takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I call Experian, XXXX and XXXX credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any inaccurate.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Iam not reliable for this debt with GENESIS CREDIT MANAGEMENT company I do not have a CONTRACT with XXXX XXXX XXXX company.They did not provide me with original CONTRACT as I requested I demand this correction on my credit report this account be removed from my credit report from XXXX and XXXX accounts immediately
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One recently decreased my availability credit without my consent. After doing so my credit score dropped XXXX points which affects my overall credit score. This changed has impacted me during the purchase of a home. The credit card balance is XXXX at this time and has been for months. The credit card was used without my knowledge by an XXXX XXXX, therefore I had no knowledge of the purchase. Capital One denied increasing my available credit without allowing an explanation. I was advised by the loan officer to not spend at this time. This is unfair practice because of the algorithms are used to not recognize all circumstances, people of color, critical resolutions.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} Past due {$97.00} In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY