davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (WI)

I dont agree with the debt owed. Never received a statement balance and also its not my debt to pay because XXXX XXXX has a dispute with my insurance company and drop my insurance company, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC (NJ)

On XX/XX/XXXX I was working with a broker at Nexa mortgage to secure a 25 year XXXX loan to purchase a mobile home. The broker was very responsive XX/XX/XXXX and XX/XX/XXXX and provided me with a pre-approval letter to use to create my buyers contract. After providing all my information online and getting my contract submitted to the seller, all communication stopped from the XXXX and Nexa Mortgage. I have texted the broker 4 times, left a voice message 3 times, called the corporate office 3 times, my realtor called the corporate office and contacted a local broker for XXXX to see if they could help. I had a receptionist at Nexa Mortgage tell me that I would receive a call back within XXXX hours and that was on Tuesday XXXX. It is now XXXX and I have not received any email reply, call backs, text reply or any communication from Nexa Mortgage XXXX Since XX/XX/XXXX they have completely gone dark.
Consumer complaint received 2023-02-01
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. (SC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.
Consumer complaint received 2023-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-03
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. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-03
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. (AZ)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX and XX/XX/XXXX I mailed out letter to Transunion asking to verify accounts on my report. Transunion failed to show proof that each account is 100 % accurate. 

I ask to Tranunion to share with me their method of verification for the following accounts in question. I have yet to receive a respond and it is now XX/XX/XXXX.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2023-06-10
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. (CA)

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$260.00} Medical XXXX Balance : {$590.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd. (TX)

I have called, emailed XXXX several times and explained the charge is not mine. I had ID theft and had many issues which was reported to police and all credit bureaus. Not to mention, I was not even living at the property where the electricy charges were made. XXXX mistake is affecting my credit, and they are harrasing me with collections. Highly considering to hire an Attorney to suit them.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MD)

Gemini is fraudulently denying they received my wire even though I have provided numerous evidence that the wire was successfully transferred including a federal wire reference number. The company has not credited my account even though I wired the funds on XX/XX/XXXX. I have provided a federal wire reference number and other documentation including a screenshot from XXXX of wire transfer confirmation.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I sent a letter to Transunion disputing 2 separate accounts listed with XXXX XXXX requesting verification. On XX/XX/XXXX, Transunion only responded with " verified as accurate '' which did not provide me verification as I had previously requested. On XX/XX/XXXX, I sent a 2nd letter requesting Transunion to provide me with the procedure and documents used to verify this account was accurate as listed. Transunion did not respond. ON XX/XX/XXXX, I sent another request and listed the reasons why these 2 accounts were not accurate and sent a copy of where XXXX had deleted both accounts because they were unable to verify accurate results and once again, Transunion never responded. On XX/XX/XXXX, I sent another letter requesting their method of verification, and they responded on XX/XX/XXXX just with verification. Transunion never provided me with documents or any information as I requested in how they validated this account was reporting accurately. Transunion failed to properly investigate the accuracy of these 2 accounts - If they had done so properly as they stated, they would have found the same results as XXXX  and been unable to verify thus removing both accounts from my files.
Consumer complaint received 2023-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report noticed a XXXX XXXX XXXX account. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. As a reference, please see the below FRAUDULENT accounts in question that must be DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. This company has not valid proof Ive ever done business with them because I have not. I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX  have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.
Consumer complaint received 2024-03-03
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. (GA)

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/year> you received my dispute regarding some transactions and late payments furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Furthermore lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required byis mailed or delivered to the consumer not later than 21 days before section 1637 ( b ) of this title the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.

What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate.

I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law.

Delete these incomplete and unverifiable accounts and transactions from my consumer reports :
Consumer complaint received 2023-05-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

THIS IS BEYOND RIDICULOUS. I DON'T KNOW HOW THESE CONSUMER REPORTING AGENCIES CONTINUE TO GET AWAY WITH REPORTING INFORMATION WITHOUT PROVING ANYTHING. I KNOW FROM READING THAT I AM THE ORIGINAL CREDITOR SO HOW CAN THEY JUSTIFY THEIR ACTIONS.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Financial Solutions, LLC (AL)

On or about XX/XX/2020, XXXX XXXX XXXX, a debt collection agency removed this collection from my XXXX credit report due to a dispute resolution. 
On or about the same date, Accelerated Financial Solutions, another third party debt collection agency placed this same account in collections and reported this information to XXXX without any prior attempt to contact me. This debt was resolved and removed in part due to CFPB. 
Accelerated Financial Solutions primary business is debt collections thus subject to the Fair Debt Collection Practices Act. 
Accelerated Financial Solutions has used predatory debt collection practices in an attempt to collect a debt not owed and resolved. I hereby request this debt be removed from my XXXX credit report, and no further action taken, XXXX. debt being " resigned '' to another debt collection agency.