davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (AZ)

We updated our hazard insurance policy and notified our mortgage company before payment was scheduled to be sent. After we notified them of the new insurer, they sent the old premium payment of {$1300.00} to the old insurer. We noticed their error and had them send the payment to the new insurer, and it was received. However, we have contacted them multiple times since they sent the payment in error and have been told that the check has been stopped and that the {$1300.00} would refund to our escrow account. Today we learned that the information provided on multiple occasions was never true, and the old insurer had presented to check for payment and to seek a refund from them.
Consumer complaint received 2023-09-04
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc. (LA)

On XX/XX/23 or XX/XX/23, I called LRS following up on a letter I received regarding a medical debt sent to them for collect, asking for additional information on the debt owed. I also asked for information on the debt collection process for future reference should I actually owe the debt. 

Between XX/XX/23 and XX/XX/23, I received multiple calls from LRS attempting to collect the debt even after verbally requesting more information on the alleged debt on previous calls. 

XX/XX/23 - I contacted LRS in writing that my clinic had no record of me owing any debts previously, currently, or sending any debts to collections. Also included " If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt. If you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt. '' Between XX/XX/23 and XX/XX/23, I received daily calls ( sometimes multiple a day ) from LRS attempting to collect the debt even after communicating I was disputing the debt and requesting proof of the debt owed. 

XX/XX/23 - following a call from LRS that I answered, I contacted LRS in writing and reiterated that I disputed the debt and to report that to any credit bureaus to which they may be reporting the information. 

XX/XX/23 - I received an itemized bill, which included appointment dates, doctors, and the appointments purportedly owed for these appointments. 

XX/XX/23 - I asked in writing how to pay the amount and if there was an option to do so online. 

XX/XX/23 - After not hearing back from the company, I followed up in writing asking for the same information from my XX/XX/23 communication. 

XX/XX/23 - I followed up in writing for the second time asking for the same information from my XX/XX/23 and XX/XX/23 written communications. 

XX/XX/23 - I followed up in writing for a XXXX time in a XXXX attempt to pay the debt I purportedly owe ( I still do not believe I owe the debt, but I would simply like it off of my credit report at this point ).
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (TX)

Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX C/O IC System Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. XXXX XXXX did not remove debt but in turn sent me a letter stating the debt was valid. The letter XXXX XXXX mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. Equifax requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to me.
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (MA)

I signed up for a BBVA Clearconnect Checking account for a {$200.00} cash bonus. The terms stated : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

My account timeline : XX/XX/XXXX : Applied for account XX/XX/XXXX : Deposit was processed to account XX/XX/XXXX : Account was approved XX/XX/XXXX : Initial {$25.00} deposit appeared in account XX/XX/XXXX : {$300.00} Direct deposit from my employer was deposited in account ( 60 days from XX/XX/XXXX would be XX/XX/XXXX) XX/XX/XXXX : I sent a secure message online inquiring about status of the bonus XX/XX/XXXX : Receive response from XXXX  apologizing for the delay, reconfirming the bonus requirements, and now stating it takes 90 days from meeting the bonus requirements.

XX/XX/XXXX: I sent a secure message online XX/XX/XXXX: I again receive a similar response with the bonus requirements, apologizing for the delay, with a case ticket number XXXX  asking me to allow 24-48 hours for a follow-up reply. This message also states that it will only take 60 days from meeting bonus requirements for bonus deposit.

XX/XX/XXXX : I send a follow up since there was no reply after a week.

XX/XX/XXXX: I receive a reply from XXXX  apologizing, claiming a high volume of emails causing a delay in response time, and if I would like to talk to the bank to please call them.
Consumer complaint received 2023-05-22
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. (LA)

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 2023-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Bureau of America Ltd. (FL)

In XXXX XXXX XXXXXXXX I disputed a collection notice received from Collection Bureau of America. The dispute was over XXXX XXXXXXXX XXXX delivery/services in XXXX that were not as advertised and I refused to accept the delivery. The original date of purchase listed was XX/XX/XXXX ( listed as XXXX XXXX Complaint in attached ). Since then I have received repeated notices stating that I owe different amounts, citing different addresses and different companies ( XXXXXXXX XXXX XXXX XXXX XXXX ). I also disputed this with the credit bureaus ( listed as Credit Letter Dispute in the attached ), however I have yet to receive a copy of an agreement or contract with my physical signature on it to prove that the debt is mine. I also don't know what the charges are for as the breakdown is extremely vague in the most recent notice I received. Further, the most recent notice ( listed as XXXX XXXX XXXX dispute in the attached ) shows a new date of service ( XXXX vs. XXXX ) from the original and a different service address, plus a new account number. I believe that this information is being changed to make the debt more " current '' and keep it on my credit file and pressure me into paying a debt that is not mine. The trade line also lists Collection Bureau of America as an Attorney which is not accurate ( XXXX XXXX XXXX ). Lastly, the most recent notice cites a Florida service address beginning in XXXX and going through XXXX, however my husband is a XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX I was living in with him at his duty station in XXXX NJ. How could I have water service in Florida?
Consumer complaint received 2023-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX TX. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Caliber Home Loans received my XX/XX/2023 payment from the haf program on XX/XX/2023. Caliber home loans did say it takes 40 days to process. I understood that because they are swamped with payments from haf. But what I dont understand is why caliber home loans cant tell the credit department in the same building that they are running behind with posting payments?? If you have a payment in the building why would you not communicate the truth? Why would caliber home loans allow such an erroneous situation to happen? I called 14 times! I was told a manager would call and that never happen. I was told they are merging with nex and they are reconstructing. I was hung up on by XXXX as soon as she heard my name. XXXX was so annoyed and short patience so often that I knew caliber was going to put a derogatory mark on my credit report with no regards to what it would do to me. Caliber home loans should be held accountable for the careless way they treat their customers.
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. This debt is reporting in accurate and must be deleted. On XXXX this collection/charge off is reporting as an open debt with no history of payment. On XXXX this collection/charge off is reporting as open but in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX it is reporting as paid on time and then on XX/XX/XXXX it is reporting as 120 days behind. On XXXX this charge off/collection is reporting as closed and has no history other than XX/XX/XXXX and XX/XX/XXXX reporting as a collection/ charge off. You see this collection angency has reported different activity to all three credit reporting agencies and need to be removed for inaccuracies innediately. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( XXXX ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX OPEN XXXX XXXX OPEN:7/11/2021 XXXX Orgianal creditor : XXXX  XXXX XXXX Open XX/XX/2022
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

This is duplicate entry of same account on my credit report. US code 1692e ( false/ misleading representation, ) holds that it could not be listed as if it were another separate account. 
It is re-aged to reflect a more recent date. FCRA 623 ( a ) ( 5 ) ( A ) specifies dates of open/ delinquency must match. 
Despite my numerous requests, PRA has not provided me with an original contract bearing my signature, nor any document that assigns this particular ownership of debt to PRA ( US Code 1692g ( Validation of debt. ) ) It is beyond the statute of limitations in my state. ( Alaska Code 6-2-37. )
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Consumer complaint received 2023-06-19
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.