davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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)

To Whom It May Concern : The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called XXXX XXXX XXXX. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the XXXX XXXX in this round to prevent it being misinterpreted as coming from a credit repair company. 
You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX ) and others who furnish third party disputes free of charge, etc. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under the FCRA, the XXXX Credit Card now HAS to be removed from my reports from all bureaus. I have sent them a certified letter asking for ORIGINAL CONTRACT, PHYSCAL SIGNATURE, RECORDING BY VIDEO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. Furthermore, I asked, if this account has been sold, who was it sold to, how much was it sold for, etc. They, by law, had 30 days to respond. The have not. Therefore, under FCRA, this account has to be removed immediately. 

Attached is PROOF that if they company itself can not validate or verify the account with ME, whom they choose to report as having an account, there is no way the bureaus have HONESTLY been able to VALIDATE or VERIFY and be able to report an longer.
Consumer complaint received 2023-01-09
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. (OK)

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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.
Consumer complaint received 2023-01-09
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. (FL)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for sometime. Im demanding CFPB to enforce the correct and or deletion of these items.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 Balance : {$0.00} ; XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-15
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: CAVALRY INVESTMENTS, LLC (OH)

XXXX XXXX XXXX- {$180000.00} has been charged off and closed since XX/XX/2018, and there has not been any activity on this account since then. Please help to have this removed from my credit reports as it is stopping me from purchasing a home for my family. 

Cavalry Portfolio Services - {$8500.00} has also been charged off and close for close to 5 years now, and there has not been any activity on this account since then. Please help to have to removed from my credit reports as it is stopping from purchasing a home for my family
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the verification of a collection account on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), if a consumer disputes the accuracy of information on their credit report and the furnisher of the information verifies it during the investigation, the consumer has the right to request deletion of the disputed information. 

The collection account in question is XXXX. Despite my previous dispute and your verification, I am formally requesting the DELETION OF THIS ACCOUNT from my credit report. I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report in accordance with FCRA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX and I ( XXXX XXXX ) came to an agreement to pay for deletion on account number XXXX. I held up my end of the agreement to pay {$1500.00} within 90 days from XX/XX/XXXX XXXX they have yet to inform the credit bureaus of our agreement. I have tried to contact the credit bureaus regarding this matter and have yet gotten a response. can you please help me resolve the issue By Removing this account according to the agreed upon terms.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

On XXXX and on XXXX I ask that Equifax to removed all hard and soft inquires from my credit report. These hard and soft inquires don't have an account associated with them. Under 15 U.S. Code 1679c Disclosures- the law states :. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
Consumer complaint received 2023-02-01
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: M&T BANK CORPORATION (NC)

I have had a charge off from M and t bank on my Credit report for 7 years at a larger balance than when it was originally written off for. M and T bank kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I have made multiple attempts since XX/XX/XXXX to cancel XXXX  on my mortgage with this company to no avail. They asked me to order an appraisal on my home, which I did, but the XXXX sent by Dovenmuehle Mortgage severely lowballed my home to make it difficult to cancel the {$220.00} XXXX  fees I pay extra each month on top of my principal, interest and taxes. I am struggling and barely making ends meet just to pay my mortgage because of this extra fee. I fear my home may go into foreclosure. This company is making it extra difficult to cancel XXXX. They keep moving the goalpost each time I satisfy one of their requirements. My home is worth more than what their XXXX suggested. I have had my home appraised by other financial institutions for a higher value ( significantly higher ). The exact same homes, a couple of doors away from my home have recently sold for way higher than their XXXX suggested. Please help me, I can't fight this company. I fear losing my home. This company mistreats its customer just for their benefit. I have provided everything proof of home value they asked for, and I have met and exceeded every requirement to cancel XXXX, but yet they still will not give my application fair consideration. This company has a track record of doing this to its customers. They have horrible reviews and similar bad complaints online. Please help me, I don't want to lose my home. 

Below I have attached the appraisal that Dovenmuehle Mortgage did on XX/XX/XXXX, alongside copies of very close and similar comparables which they failed to consider in their appraisal. I have also attached a copy of a recent appraisal of my home by another financial institution. 

Thank you
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

On XXXX XXXX, XXXX, it was explained to my that my mortgage is in arrears due to the closure of bankruptcy. The company failed to explain once the bankruptcy claim was completed that an additional adjustments of {$200.00} was needed to recoup the monies that were paid during the financial crisis. Each month I would send in my mortgage thinking every payment was being applied properly to find out that the monies were adjusted to satisfy the rate during bankruptcy. 

I have had so many different grieves with this company dating back to XXXX. During that time the company applied something called Principal Curtailment starting at {$1000.00} and the monies grew up to the amount of over {$7000.00}. The loan is a projected as a predatory leading practices and I have written several officials both locally and state representatives. 

Each year their is a new issue with the payment schedule and I really need help and referred to a legitimate company with honorable practices. I have attached a few documents to provide an overview of the problems and attempt to satisfy any errors in the payment schedule.
Consumer complaint received 2023-03-08
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: Maximus Federal Services, Inc. (FL)

XXXX is reporting that I did not pay student loans in XXXX. During this time there was a mandatory hold on student loans as a result of Covid-19. Furthermore, my loans are all on deferment as I was and currently am enrolled in school.
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (MI)

On XX/XX/2023, I received a letter sent to my home address from GB Collects, ostensibly located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, claiming that I owe XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} for an invoice dated XXXX XXXX, 2023 ( one week ago ). ( See attached letter. ) In her letter, XXXX XXXX XXXX of GB Collects states, " After repeated requests, we have not heard from you regarding the above delinquent balance of {$120.00}. '' I have never heard from anyone at GB Collects on any matter before and XXXX XXXX XXXX has an automated service that no one answers when I attempted to call them regarding this supposed debt. I am not aware of any debt owed to XXXX XXXX XXXX as I always pay my co-pays when I'm at the doctor 's office ( and my co-pay is never anywhere near {$120.00}.
Consumer complaint received 2022-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

XX/XX/15 the amount is {$1100.00}. I sent a validation letter to verify that the services I received along with a letter verifying that I wanted my information to be released to another company or creditors. And I was contacted through mail of a creditor bill but not the letter that I allegedly signed.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I transferred XXXX points from my Chase XXXX Rewards account to my XXXX XXXX account in order to book a reservation. Due to COVID restrictions in the area this reservation needs to be cancelled. 

On XX/XX/2021 I contacted Chase to have the points returned to my Chase account but they state that they are unable to do so.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (MA)

PLEASE REFER TO COMPLAINT : XXXXXXXX XXXX  Subject : Complaint against XXXX XXXX and NFCU for Violation of the Electronic Fund Transfer Act ( EFTA ) XXXX am writing to file a formal complaint against Cash App and Navy Federal Credit Union ( NFCU ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ) . I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). 
According to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. 
In the email response received from XXXX XXXX ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXX for the purchase of a vehicle. XXXX XXXX stated that they are unable to cancel, or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. 
XXXX XXXX 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. 
I believe that NFCU, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.
Consumer complaint received 2023-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (MD)

This is a medical debt I have never received any info on. Showed up on my credit report on XX/XX/XXXX. Contacted the collection agency ( XXXX  ) on XX/XX/XXXX and all they could tell me is that it stemmed from XXXX. They would not give me any further information. I am on XXXX and need help.
Consumer complaint received 2021-04-15
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. (FL)

I do not recognize these accounts because they are not mine I am kindly asking you to remove them from my profile. Its pure identity theft and I am lost because I do not know how to fix this bad reporting ... I do not want to see accounts that are not mine in my profile SO Please advice and suggest me how I can get rid of them. Thank you
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have contacted this company and informed them the debt did not belong to me it belong to   XXXX   other family member who shared an account with me. the debt belongs to them I have disputed this numerous times including the other family members SSN and information. They are also reporting the account as opened in 2017. Please see pages 18 and 33.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2017-07-18
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: Experian Information Solutions Inc. (AL)

So I pulled my Credit and  Saw  many things that I was completely unaware of. I tried submitting one massive complaint but now I will submit a complaint about each error on my report. I have medical bills on my report in which I did not obtain. Had n't been to a hospital and have no idea how my information was used. I have no knowledge of this debt. Please help because no one can give me any answers as to how it got on my report. When contacted I told Customer Reps that I 've never been to  XXXX   XXXX  and they insist that I pay a debt that is n't mine.