davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-20
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (CA)

A new Medical Collection was added to my credit on XXXX XXXX XXXX that does not belong to me. 

AssetCare , LLC ( XXXX ) XXXX Asset care purchased an account on XX/XX/XXXX. 

I was able to speak to a representative after the first two supervisors disconnected my call without answering any of my questions and concerns Lastly I spoke with XXXX, and I verified this is not an account that belongs to me and they reported the account to the credit bureaus incorrectly. NO efforts to confirm with me that this account is valid. They advised they called once on XX/XX/XXXX and were told they had a wrong number, they then mailed out a letter on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, I told them this is an incorrect address as the street name is spelled incorrectly, BECAUSE they did not receive a response to a letter AssetCare mailed out to a wrong address they submitted this account without any proof of validation to this account. I asked for a copy of the letter they supposedly mailed out to me on XX/XX/XXXX and they told me they could not provide me with a copy. I requested that they immediately notify the credit bureaus this account is being reported incorrectly and immediate deletion. I received confirmation they would be processing request for deletion pending an itemized bill of the services rendered for that account. They are now in violation of any HIPPA law protecting consumers of their privacy rights. 

Lastly, I was told once they mail out the itemized bill they will automatically start reporting it as a collection to the credit bureaus, even though they're only attempt to validate this debt was sent to a wrong address. This has caused immense conflict to my credit journey will be requesting costs for statutory damages.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I called Transunion because my free online account ( XXXX XXXX account ) stopped working after I had a legal name change done. On my first call, I spoke to Transunion customer relations department, who transferred me to their online department and then transferred me back to customer relations, only to be told I needed to speak to the online department again. After a few back and forth, I finally got a person in the online department who looked into the issue and said there were a lot of errors popping up, and he told me to contact the customer relations department again. The problem I'm having is I can't use my XXXX XXXX account to add or lift a credit freeze, Dispute or view my credit report. 

The error I keep getting for the freeze is, " Sorry, we're having trouble showing the status of your credit freeze right now '' The error I get when trying to dispute is, " We're unable to complete your request online. '' The error I get when trying to get my credit report is, " Your online credit report isn't available at this time. We can't access your credit report right now. This may be a temporary error. ''
Consumer complaint received 2023-12-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (GA)

i sold my house the closing was XX/XX/2023. at the closing i got a truist check ( it was in a businsess name, and when i submitted it to my bank they put my account on lock and withheld my incoming pay. they made me wait XXXX more days before they would tell me they they had denied the check, then closed my accounts so i took it to another bank and opened a business account and other accounts with advice from the bank teller on exactly how i should set everything up. i then got a call from Truist stating that everything had been explained to them and i could now take my check back to them and resubmit it. it was too late i had taken it somewhere else. Truist still put a hold on this money and will not release my funds to me, its been its been XXXX days now and they will not tell the maker of the check anything or release my funds to me. At this point i need this fixed Now XXXX has put holds on all my accounts until this money is returned to them nad they may close all my accounts. Truist will NOT TELL ANYONE anything and they have ALL my money. Its not their money to keep.
Consumer complaint received 2023-12-12
Product: Debt collection — Other 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)

Columbia Debt Recovery has been charging interest on this account since they acquired it. My original lease contract does not mention that any late payments will be charged interest on a monthly basis. Lease is attached for review. Please provide proper documentation of a signed contract which would give Columbia Debt Recovery the right to charge interest. 

According to XXXX, " 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (MN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-09-19
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: OneMain Finance Corporation (CA)

My credit report is still showing late payments on ONEMAIN account. 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 customer service representative. Please get rid of this : ONEMAIN XXXX
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I 've disputed several things with TransUnion and have not gotten a response of results. 
I disputed ; XXXX - have not provided sufficient proof of debt/was not validated XXXX- I sent several letters to company as well to TransUnion . Received return mail. Account was not validated for as amount charged which includes statement showing proof of purchase, company did not provide dunning letter prior to sending to collection agency - account was in dispute and nothing was done about it with the original company. 
Tax Lien which states released. Contact my local State Office which advised that it should have not been reported because it was paid. It do not show on any other Credit Bureaus. Advised that it need to be removed due to reporting in-accurate and hurting credit worthiness XXXX the amount is inaccurate, was not at that resident, disputed it and it came back resolved less than a week without proof. 
Sent removal of hard inquiry for XXXX to be removed, also notified the company, they advised they sent request of removal, was not removed, sent letter to TransUnion and it was not removed. I provided my info, however I advise the company I did not want to due business with them and they ran my credit anyways. 

Removal of inquiry XXXX under FCRA did not give permissible authorization
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NV)

XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX and XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Can you reinvestigate my account and if it not 100 % correct can you remove from my credit report according to law 15 USC 1681i make sure everything is complete and accurate Get it motorized 2 provide me a description of how you verified those accounts 3 file a complaint Lay out details n facts 15usc 1681 Eb assure maximum possible accuracy
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Maliciously and disgustingly, Bank of America closed my account because it had a promotional APR that they didnt want to honor anymore. This was done deceptively and out of malice even though my account was completely current. In order to perpetuate their deception they then refused to even answer my call- as if I was just a subhuman colored animal. This is a grossly deceptive business practice that Bank of America simply thinks they can get away with.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit, Inc (PA)

On XXXX the XXXX, XX/XX/XXXX and XX/XX/XXXX a negotiable instrument with a remittance coupon was sent in with a letter of instruction to the company by me, the company ignored and dishonored.Which violated UCC 3-603 TENDER OF PAYMENT ( a ) ( b ) which states if tender of payment of obligation to pay an instrument is made to a person entitled to enforce the instrument the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) as stated if tender of payment of an obligation to pay, an instrument is made to a person, entitled to enforce the instrument, and the tender is refused. There is discharge to the extent of the amount of the tender of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation, to which the tender relates. 
The company also violated UCC 3-604 DISCHARGE BY CANCELLATION OR RENUNCIATION. UCC 3-149 ,3-104, 3-306 USC 1786 ( m ) ( 10 ) ( A ) and 3-301. Has all been violated.on XX/XX/2023 a validation of debt letter was sent out to the company, the company responded with a letter stating my account will remain the same and the debt was never XXXX XX/XX/XXXX I received a letter from the company threatening to repossess my vehicle. If payment wasnt made.on XX/XX/XXXX my vehicle was illegally repossessed. There wasnt any current UCC filings for a lien on my vehicle at the time of repossession. Given that the company has traded my securities Which is currently still being traded on the primary and secondary market with out my permission. according to 3-203 ( b ) it states that the company lost their legal right as a holder upon the transfer.The company also stated in my contract that they were not to share my personal and private information with any non-affiliates or third-parties however, my information was share with non-affiliates. The company is only giving me one option to resolve this matter and In the threatening letter to sell my vehicle on XX/XX/2023 if I didnt pay the full balance of {$57000.00} only given 15 days to do so. The companys Never gave me a valid reason as to why my payment wasnt accepted and they also violated XXXX XXXX title XXXX XXXX.
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: AES/PHEAA (NJ)

After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX XXXX account XXXX was reported inaccurately and has not furnished any information that my student loan payment was ever late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs to be removed.
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: Credit Fresh Holdings Inc (DE)

I opened an account with Creditfresh in XXXX, XXXX. Had issues with repayment starting in XXXX. Spoke to several reps that gave incorrect information regarding credit reporting, status, etc and filed a complaint. 

I was told that I had until XXXX   to bring the account current to avoid default. On XXXX the account was placed in default, which resulted in credit reporting. 

Numerous times I have become aware of phone calls being recorded without being made aware.
Consumer complaint received 2023-02-02
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it again. It is not permissible to fail to validate these reporting accounts. Investigate these accounts and verify them as soon as possible XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00} XXXX XXXX XXXX A XXXX .... Balance : {$130.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XX/XX/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 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (CA)

Called on XX/XX/2023 to extend my XXXX disaster forbearance plan. The property zip code is in XXXX XXXX inside a declared disaster area that qualifies for invividual assistance. XX/XX/2023 as of this date no response from shellpoint and I called customer service and said I'm not eligibile. My loan is owned by XXXX XXXX, under their guidelines I'm eligible up to 12 months. I still have remaining 2 months left as of now.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (PA)

I filed a police report for identity theft with the XXXX Police Department on XX/XX/XXXX Incident # XXXX, with XXXX XXXX. The credit companies accepted my report and documentation that this bill was fraud. My credit went back to normal. Recently, I have again been billed by another credit company for the same utility in Texas. I am being asked, once again, to give proof that I did not move to Texas and incur this bill. I have lived at XXXX XXXX XXXX, XXXX PA XXXX for XXXX years, prior to that, I lived on XXXX XXXX XXXX XXXX, PA. I have never lived anywhere other than Pennsylvania. I have never been to Texas. I have been working for the XXXX XXXX XXXX XXXX since XXXX, which requires Pennsylvania citizenship. I use PP & L for electricity, always have. 

Today I called the collection agency ONLINE Information Services. '' I have more information this time about the fraud : Name of Company : XXXX XXXX XXXX Account Number : XXXX Amount : {$380.00} Address the utility was used at : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date for bill : XX/XX/XXXX Type of utility : XXXX The woman I spoke with said whoever opened the account has my social security number and birth date. I would like this matter to be resolved. I would also like the utility company to block any new accounts with my name or social security number. 

Another police report was filed on XX/XX/XXXX. Incident # XXXX with XXXX XXXX. I was given an email to contact XXXX XXXX by the collection agency : XXXX. Phone number for the collection agency is XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (IL)

I was setting up auto pay for the first time, I set this up XX/XX/2023. I notice that the payment had not posted nor was it pending in my account XX/XX/2023 ; I called the mortgage company to verify how the auto pay is set up, I know from past experience that some places want the first payment to be made then auto pay will start the next month, I call to verify was their policy set up that way, the young lady that I spoke with told me that I had to make a payment then the auto pay will start the following month. I seen the payment that I made through the mortgage web page account post right away, then XX/XX/2023 the auto payment took another payment. I have been calling since XX/XX/2023 to have this money refunded back into my account, I explained to the mortgage company that the money that was taking from auto pay was for my bills. I have not received anything in my account, all I get from this place is the run around, I ask to speak to a supervisor every time I call, I NEVER get a supervisor to speak with.