davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TN)

Never received a written letter about a debt until few months ago I saw a credit report change from TSI. 

I asked XXXX XXXX to validate if the debt was real. 

I received a letter around XXXX that the debt was valid. 

I sent an offer letter for a certain amount to payoff the debt to TSI. The letter was sent early XXXX. 

I received a call around middle of XXXX from a TSI agent that the offer was accepted for XXXX. They said I would only be able to pay over the phone as the automated system would force me to pay the full amount. I asked to be sent a written letter about the offer being accepted. They agreed to do so and that I can pay once received. 

Several weeks go by. I call XX/XX/XXXX to inquire about the letter. This new agent says that the previous agent I spoke to agreed to the XXXX but they were in a different department and that they wont be able to accept the XXXX offer. I asked to be transferred to the correct department and the rep refused stating they wont transfer me. I asked what happened to the letter, and the rep said they dont send letters to offers not accepted. 

I asked why I never got a response from my mail I sent on early XXXX since they did receive it since they agreed on the enclosed amount, and the rep said they dont response to letters.
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am XXXX and fell behind on a few mortgage payments. I was able to make a large payment of XXXX dollars. Nationstar returned the check I sent. Nationstar informed me that I need to send XXXX in order to stay livi g in my home.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (IL)

In accordance with the credit Reporting act XXXX  Account 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 2022-11-28
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. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (TX)

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, 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 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 2019-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/19 I received a call from capital one XXXX XXXX saying that my account was delinquent for {$800.00}. At closer look XXXX XXXX capital one had reversed my last four payments totally {$800.00} to XXXX/XXXX. I have been on the phone with both companies jointly multiple times since XX/XX/19 trying to get the {$800.00} back to my XXXX XXXX capital one card. I have also filed formal payment investigations twice. Both companies blame each other and no one will take ownership for the problem. I am unable to speak with a supervisor at capital one. I was told to write a letter. I am still out the {$800.00}. XXXX bill pay says they have resent it to capital one XXXX XXXX   and capital one denies it and says they have not received it or that my husbands name is on it although they take payments from this account. I have spent more than 8 hours on the phone with both parties and 2.5 months later the issue remains unresolved. If it was {$100.00} I would have given up but not for {$800.00}. I need help and a voice with these two companies who seem not to care. I called once again tonight XX/XX/19 to XXXX capital one and they told me it was a XXXX issue and XXXX sent a letter today saying it is dressbarn capital one 's issue.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (NC)

Hi there, on XX/XX/XXXX my card was used without my authorization at a XXXX in Ohio for {$310.00}, and XXXX XXXX in XXXX XXXX XXXX, Utah for {$10.00}. I live in XXXX, NC. I got a refund for the XXXX XXXX directly for the {$10.00}. I had to dispute the charge with XXXX on XX/XX/XXXX. On XX/XX/XXXX, my bank, Current Bank took {$310.00} from my account with no notice. The charge says Dispute Lost-Credit Reversal. I received no written or email notice that I lost the Dispute.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2023-07-11
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)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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. (NJ)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-06
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)

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear Sir/Madam, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX XXXXXXXX XXXX as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023XXXX XXXX XXXX XXXX repossessed the vehicle in question in the State of Florida and subsequently sent it to auction for resale. According to the laws of the State of Florida, as well as the relevant statutes such as the XXXX and XXXX, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned request, XXXX XXXX XXXX has failed to furnish any such evidence within the designated time frame of 14 days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX  singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and UCC-9 remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Consumer complaint received 2024-03-04
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

We mailed an endorsed insurance claim check along with a personal check of mine to Ally Auto Finance using a United States Priority Mail envelope by cutting out the delivery address from the payment slip of the statement and pasting it on the envelope, then personally dropping it off at the post office and paying additional postage. The tracking number on my receipt is XXXX XXXX XXXX XXXX XXXX XXXX and it shows delivered on XX/XX/XXXX at XXXXXXXX XXXX. On my first call two days ago, the representative stated not receiving such payments and on my second call yesterday the representative stated they received the payments and holding them for unknown reasons. I also received text messages that my payments were not made on time due the XXXX of XXXX. 

insurance check # XXXX in the amount of {$2200.00} personal check # XXXX in the amount of {$350.00}
Consumer complaint received 2024-03-04
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)

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to XXXX an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
. 
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to granXXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2024-03-04
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. (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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Kohls/Capitol One Account number : XXXX I have disputed this account also called the Collector to ask them to remove this account. It was removed and put back on my report. I did not open this account and was unaware of the CFPB. I just became of aware of the CBPB and this is the reason for this letter.
Consumer complaint received 2016-08-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MS)

The persons in the office does n't communicate when calling customers to ask them when they will be in to pay. The keep calling several times a day everywhere and anytime during the day. They also do n't give you chance to respond back to them and after responding there is another person who still calls the same way. Lack of communication inside the office.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

inaccurate information is being reported on my credit report. The following names and addresses on my file are incorrect Ive never gone by this name and I have never lived at these addresses. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-03-04
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. (GA)

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.
Consumer complaint received 2024-03-25
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. (GA)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-02-02
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)

AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... ..... 
I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ... ... .... 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ...... 
I request that the following inquiries be verified or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX 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.