davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (FL)

I received an alert that this was added on my credit report. I have never heard of the original creditor or the collection agency. I filed dispute with XXXX  and 2 days later all they did was update the information to match the information on the other credit bureaus. In other words this collection was not accurately reported. I have not received any documents or any calls. I even filed with the XXXX. This company on their site has an overwhelming list of complaints for adding false information and false reporting. This company is known to scam and it is causing me stress because I just finally cleared my credit not even a month ago and all of a sudden this account just appears out of nowhere. I need this deleted or removed please. I do not own this debt and didn't have any documents to support that this is mine because I have never heard of either said company. It says amount owed {$810.00} as of XX/XX/2022. Company name of original debt XXXX XXXX XXXX XXXX FL and debt collector Consumer ADJ CO.
Consumer complaint received 2022-12-22
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)

XXXX XXXX # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2017-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (GA)

I 'm disputing the following debt in the amount of {$50.00}. Capio Partners is reporting a debt on my XXXX credit file with XXXX Hospital being the original owner. I was never notified of this debt. This debt was also once deleted from my credit file and now it 's back. FCRA states a debt can be deleted and added back with out a 5 day advance notice. Also there is now way I can owe the debt. XXXX XXXX 2016 I had Florida state XXXX Please see attached proof that I had Florida state XXXX. I also never visited XXXX in XX/XX/XXXX because I was in Georgia at the time.
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.
Consumer complaint received 2023-06-19
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. (TX)

Upon examination on my consumer reports, " XXXX, TransUnion, and XXXX '', there are some inaccurate reports to my personal information. According to Fair Credit Reporting Act ( FCRA ), state that all reporting agencies must maintain the utmost accuracy to consume information in the agencies listed above. They are reporting inaccuracies to my personal information. Which is violating my rights under 15 USCS 1681 ( A ) Accuracy and Fairness of credit reporting. Following find ( 3 ). They are also violating my rights under USCS 1681s-2 ( A ) Duty of furishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of error. 

I have sent notices to all ( 3 ) agencies listed above. It has been a failing attempt that these agencies has yet to respond to these reporting inaccuracies on my personal information to my consumer report. And by these agencies failing to correct or update the accuracy to my personal information. They are violating my rights, under 15 USCS 1681e compliance procedures. ( B ) Accuracy of report. 

I request that my personal be updated to the following : Name Date Reported XXXX XXXX XXXX XXXX XXXX Birthdate Reported : XXXX XXXX XXXX SSN Date Reported : XXXX XXXX  Address Date Reported : XX/XX/2023 XXXX XXXX XXXX XXXX, TX XXXX Telephone Date Reported : XX/XX/2023 XXXX Employment and Employment Address Date Reported : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX I'm requesting that all other names, birthdates, ssn, addresses, telephone numbers, and employment be deleted, and that this be rectification. 
..
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I saw a new report about the company. 
I looked at my account and discovered that even though my interest rate is 2.875 %, the principal going to my mortgage is {$460.00}, the interest is {$550.00}, the escrow is XXXX. 
I even added an extra XXXX a month to help pay off the mortgage early. 

My upaid principle balance is the same as the amount I paid on my home 3 years ago. 
At this rate I can not pay off my mortgage in 30 years, which was promised. 
I am hoping you can assist me. 
Thank You for what you do.
Consumer complaint received 2023-06-04
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. (CA)

The credit bureaus have refused to correct their mistakes and are in violation of 15 USC 1681n willful non compliance of their errors are also in violations of 15 USC 1681b Permissible purpose. I am therefore requesting a copy of my written instructions that should be on file. I am also requesting a copy of my notice that the company sent to me that notified me of these accounts being placed on my report. 

XXXX XXXX
Consumer complaint received 2023-06-01
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: JPMORGAN CHASE & CO. (IL)

I have been trying to get this late off my redit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-06-04
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. (CA)

The credit bureaus have refused to correct their mistakes and are in violation of 15 USC 1681n willful non compliance of their errors are also in violations of 15 USC 1681b Permissible purpose. I am therefore requesting a copy of my written instructions that should be on file. I am also requesting a copy of my notice that the company sent to me that notified me of these accounts being placed on my report. 

XXXX XXXX
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (KY)

In 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. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires XXXX 1.XXXX XXXX  XXXX Finance ) XX/XX/XXXX 2XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX ( Finance ) XX/XX/XXXX 6.XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX  XXXX XX/XX/XXXX 13. XXXX XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED XXXX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXXXXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX  XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )
Consumer complaint received 2022-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I scheduled auto-draft payments to start on XX/XX/2022 with my correct account number and routing number and even called the company to confirm it was setup correctly. They continue to miss auto-drafting payments every month to the point where now I am a month behind in payments. My mortgage is $ XXXX per month and I have contacted their customer service multiple times.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I contacted Portfolio in regards to an alleged account I noticed on my credit report around XXXX XXXX XXXX. I sent a letter on XX/XX/XXXX certified mail, requesting they send me more information regarding this alleged account because I did not know what it pertained to. I received no response from that letter. I sent another letter on XX/XX/XXXX asking for more information again, and again no response. I also sent a letter to XXXX on XX/XX/XXXX requesting their assistance with who this account was with or what this account was for, yet all they stated was that they verified the information. I tried one more time on XX/XX/XXXX asking XXXX to provide me with more information about how they verified the information and I still have not heard back from either company. It is against my consumer rights for these companies to place alleged debts on my credit report with no explanation or no verification when I am simply asking what this debt pertains to, since I am unsure of what it is.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have had these investigated numerous times buy all the bureaus. I have had this account on my record for over XXXX years. XXXX has removed because of the FCRA. Rightfully so obey the LAW. the following should do the same XXXX XXXX and TransUnion asap!
Consumer complaint received 2023-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime (CO)

Its disturbing that I have to file this complaint! I do have a current complaint in progress regarding this issue but this is an important update that greatly affects the other complaint and its resolution. My other complaint is in regards to the balance of the loan! I had to pay {$11000.00} in repairs for the vehicle purchases at DriveTime! It was over a year period but all stemmed from issues in the very beginning, I just had to do my best to repair the issues as I could afford it. But the repairs should have been covered under the XXXX  Day dealer warranty that comes with the purchase of the car. Within XXXX weeks I had warning lights on the dash and I called DriveTime and spoke to the XXXX who sold me the car. He told me to call XXXX XXXX XXXXhe warranty company! They told me to take my car to XXXX transmissions, XXXX was an in network repair facility. They did start a claim! They were waiting on approval from XXXX  This is XXXX  days after purchase of the car. So within the XXXX  days! They had the car for a week. They called me and said that the mechanic thinks it is best the car be serviced at a XXXX dealership! That was how serious it was. Now were at XXXX days! I was able to drive the car myself home! I made calls, then the car was XXXX! A major oil leak in the cooling system was causing the engine to overheat. I couldnt drive more then a mile. On the XXXX day I found a XXXX XXXX XXXX XXXX in XXXXXXXX XXXX, had vehicle towed there! They did diagnostics and it was a lot! They started a claim with XXXX XXXX, XXXX XXXX didnt respond until the XXXX day and only covered {$1200.00} while I had to pay almost {$4000.00}. They deliberately stalled until after the 30 day mark and Blamed the dealership for not calling in. But I had already had a documented claim within the XXXX days! Ive been in an ongoing litigation since. So XXXX thing I will point out real quick is while my car was at XXXX per DriveTime by mileage was XXXX and I remember because the lady said she didnt want to tell me the mileage because of the XXXX. So fast forward to XX/XX/2023. I have XXXX insurance! Which gives us free XXXX reports! I get an alert asking how was the service I just received at XXXX that was a maintenance inspection and whatever! But I didnt have my car serviced there. There was an alert generated because odometers can not be alerted! So it read XXXX last known to XXXX. I called and they stated they were called by XXXX XXXX  to alert records that would not show that I was there within XXXX days in order to gain a benefit to themselves. These records would fully prove my complaint and hold them reliable. They are deceiving the CFPB and me the consumer
Consumer complaint received 2023-06-04
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: LOBEL FINANCIAL CORPORATION (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Lobel Financial is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Lobel Financial the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Lobel Financial whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Lobel Financial Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (NY)

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.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

For months dating back since XX/XX/2023, Ive been disputing inaccurate information on my credit report as Ive learned through the FCRA. Due to my inexperience doing this I looked up templates online to help type up a dispute letter and what a dispute letter should say. 

XXXX, Transunion and XXXX has denied me my civil right to dispute this information on my report. They wont even look into it. They continue to stall by sending letters saying they believe in a third party service etc etc. Everytime I responded by telling them it is me. And I wont even get a response. FCRA, states these companies have 30-45 days to investigate these matters and they have failed to do so, therefore they should be removed. 

I am trying to buy a house and this delaying the process. I can not wait another 2-3 months.
Consumer complaint received 2018-04-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: VANGUARD FUNDING LLC (AL)

I have a number of Brokerage CDs. These products are sold as certificates of deposit. However, these products trade like bonds, meaning that their price can rise or fall depending upon interest rates. 

These products should not be sold to savers or retired folk who are seeking safety and income. But they are being sold to millions of saver who are now panic selling because the price is falling because short-term rates have risen. 

Further, the bid/ask spread on CDs which only pay 2 or 2.5 percent typically have a spread of 1 or 2 percent. This is outrageous.

The bottom line is that these products are sold as certificates of deposit, but they resemble nothing of what most people know to be a CD. This practice needs to be eliminated. A CD should not trade like a bond - most buyers are not interested in seeing their assumed safe investment pulsate in value with the markets. If they wanted that they would invest in stocks. Something needs to be done about this.
Consumer complaint received 2024-03-08
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. (AR)

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately. 

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law. 

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number. 

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXXXX/XX/XXXX.