davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Bureau, Inc. (IL)

I would like to verify my debt and therefore I am writing to request an itemized bill for the medical services or treatments associated with my account. I want to verify the accuracy of the debt and understand the details of the charges. Also I ask collector to provide the following : 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 he/she 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.
Consumer complaint received 2023-10-05
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. (FL)

This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Consumer complaint received 2023-09-22
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. (GA)

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 2024-03-29
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: Experian Information Solutions Inc. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

To Whom It May Concern : I have repeatedly asked XXXX CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, XXXX CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES collection agency substantiating their claims ( account # XXXX amount {$1600.00}. Furthermore, I have requested XXXX CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This COMPLAINT is in response to XXXX CREDIT REPORTING AGENCY recent claim that LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES collection agency, has verified that the ( # XXXX amount {$1600.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with XXXX CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, 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. XXXX XXXX XXXX XXXX, you may be liable for your non-willfulness.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been unable to obtain my weekly credit report online using annual credit report .com from transunion. It only allows me to get it via paper or mail and this has been going on about 8 months. Because of them, since they are listed on annual report .con before XXXX , I also dont get to see my XXXX report for free because it is listed after transunion and the system freezes up on transunion because they arent releasing my free and easy credit report as they should.
Consumer complaint received 2024-03-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Anytime Cash Solutions LLC (MS)

Money Man payday which is now called Anytime Cash had an employee who stole my identity. This happened on XXXX XXXX. I just found this out when a sheriff left court paperwork. I was a customer, but I never had an installment loan. When I did reach out to them I was informed that I had an installment loan back in XXXX of XXXX. So, the XXXX worker was the one who possibly stole my ID. The amount was for XXXX with court fees and interest its XXXXThis company is suing me for this amount.
Consumer complaint received 2023-05-23
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. (NY)

I have an account reporting on my all three of my credit reports from XXXX XXXX, I am a victim of identity theft, I disputed the charge with XXXX and the account was reported again as a valid debt, I would like to know what information was used to show that this debt is valid, I want validation of the debt showing that it belongs to me, I never had an account with XXXX, I need the original application and proof that I opened this account. I do intend to file a suit if this information isn't corrected and removed from my credit report.
Consumer complaint received 2024-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (OH)

Someone tried to write out a check to me and pull {$140.00} from XXXXXXXX XXXX using my information but I did not write the check or sign it. It was from XX/XX/XXXX from a XXXX XXXX XXXX address XXXX XXXX XXXX XXXX PA XXXX. I have received XXXX notifications from XXXXXXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not recieved any other notifications until now XX/XX/XXXX from Financial Assest Management Inc debt collection asking to pay {$190.00} for the amount owed to XXXXXXXX XXXX. Someone used my information to pull money and now the bank is trying to get money from me.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Please ensure that only XXXX XXXX appears on my credit report ; kindly remove all other names. This request is in accordance with specific credit reporting laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Reporting Reform Act ( CCRRA ), which mandate accurate and fair representation of consumer information on credit reports. Please be advised that failure to update my credit report as requested may result in legal action, as I am prepared to pursue legal remedies to address any inaccuracies.
Consumer complaint received 2024-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MA)

Rushmore loan management has been deducting {$400.00} to {$600.00} per month since XXXX. This amount is labeled as XXXX of equal to 2 months of real estate taxes and homeowners insurance. We have consistently paid these privately for the entire time. Our homeowners insurance is bundled with our XXXX with XXXXy insurance. We pay our real estate taxes the XXXX XXXX XXXX website via XXXX. We have even mailed a written request to stop this and to tell us what they are doing with the money. I did this in XXXX when I was unable after several attempts to reach them by phone. And again XXXX XXXX. At this time I provided documentation of all to a real estate lawyer. She was unable to get a response, and she is not a trial lawyer. Rushmore just sent me a letter stating that our XXXX  has a shortage and therefore our mortgage payments are increasing! This after I spoke with them in XXXX, they said they would correct and sent us a check for {$2000.00}. If you do the math, they owe us thousands!
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

i use paypal service sent money 2 x total of XXXX first time XXXX including fees then another 54 ones i sent to were blocked and was unable to access email was totld was given wrong email address paypal refused to refund money i have gone in cicles on issue since XX/XX/XXXX but paypal got rude and nasty to me complaint ref is XXXX im on XXXX XXXX so unable to do anything twice i think paypal stole money and kept for themselfs
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: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. Please update.
Consumer complaint received 2023-11-28
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. (TX)

The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts 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 2024-01-20
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: AMERICAN EXPRESS COMPANY (IL)

XX/XX/24 - Received AMEX gift card for {$800.00} XX/XX/24- attempted to use new gift card on XXXX.com and XXXX for amounts less than {$100.00}. Both were declined, even though I followed their online steps for making purchases online XX/XX/24 - retried using the card on XXXX. received another " payment declined '' email from them XX/XX/24 - I called to confirm that the card was activated, and it was, with a balance of {$790.00}. Attempted to use the card on XXXX again. It was declined. Called Amex customer support and they told me that the card wasn't working because it was an anonymous card. I told them that the website says, " Your American Express XXXX Card may be used at US merchants that accept American Express XXXX. '' They didn't acknowledge this. When I asked if I could just get the money from the card, they said it would take XXXX or more weeks to resolve the issue, and the money on the card would go back to the XXXX  who had originally given me the gift card. I would have to provide my ID and the original receipt of the purchase in order to do so. I told them I can't be sure that the person who bought the card for me would still have the receipt.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (AZ)

I contacted US  Bank XXXX XXXX  in XX/XX/2023 regarding the end of my lease that was occurring in XX/XX/2023 and I was offered to terminate it early. If I did so the excess mileage, wear and tear fees would be waived and I would get a refund of the last two payments paid. I agreed to do this, the car was picked up the following up day but the company who picked up the car did not provide any paperwork to confirm that I no longer had possession of the vehicle or anything regarding the condition of the vehicle which was the first thing odd about this return process. I called US Bank to confirm they had the vehicle and they advised yes. I also asked for a lease end statement and was told they don't do this. I pushed back against this as this is not standard practice and eventually they agreed to send me a letter stating the lease was closed and no payments were owed. I received this letter and I called in XXXX regarding the status of the refund for the last two payments paid. I was told in XXXX it would be 60 days but when I spoke to an agent in XXXX after checking she said that it likely be 60 days from when the vehicle was auctioned which occurred at the end of XX/XX/2023. Then this week I received an invoice for the excessive mileage and when I called the rep I spoke with advised that my account had numerous offers but she didn't see the excessive mileage waiver added. The whole reason why I agreed to terminate the lease early was because of this being offered or I would have sold it on my own which would have avoided any fees being assessed. This bait and switch tactic leads me to believe this more of deeper problem with US Bank XXXX as they don't seem to do things that are standard. Also try to really discourage their customers from exercising their right to purchase the vehicle at the end of a lease.
Consumer complaint received 2024-03-30
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-20
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)

I disputed and submitted a complaint to CFPB on XXXX for a collection account with inaccurate data on my credit report which was then deleted from my reports by both XXXX and XXXX. However the account was then readded back to my XXXX report several days later. I went from XXXX derogatory remark to XXXX  when it was deleted and back to XXXX again when the same account that was just removed was reported back on my XXXX report again!? How is this legal?! This is grounds for lawsuit! I want this account removed again and not placed back. I also want this report removed from my Experian report as they have failed to do so as well. Also I have been notified by XXXX of the data breach from 2017 that my information was exposed and have been trying to clean up all these negativities from my report since.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.