davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Experian, I am writing to express my deep concern and frustration regarding an incorrect charge that has been erroneously attributed to me by XXXX XXXX. Despite my repeated attempts to rectify this situation, I have been met with nothing but stall letters from your organization. 

Let me be clear : the charge in question is not mine, and I am in no way responsible for it. It is unacceptable that this false information continues to appear on my credit report, potentially damaging my credit score and hindering my ability to secure credit in the future. 

As a consumer, I have the right to an accurate credit report, and it is your responsibility as a credit reporting agency to ensure that the information you provide is correct and up-to-date. By allowing this incorrect charge to persist on my report, you are failing in your duty to maintain accurate records and are causing me undue stress and inconvenience. 

Moreover, I believe that your handling of this matter is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Section 611 ( a ) ( 1 ) ( A ) - Reinvestigations of Disputed Information : If a consumer notifies a credit reporting agency ( CRA ) that they dispute the accuracy or completeness of any item of information contained in their file, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days.

2. Section 611 ( a ) ( 5 ) ( A ) - Treatment of Inaccurate or Unverifiable Information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the CRA shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

By failing to properly investigate my dispute and remove the incorrect charge from my credit report, you are in direct violation of these FCRA provisions. 

I demand that you take immediate action to investigate this matter thoroughly and remove the erroneous charge from my credit report. Furthermore, I insist that you provide me with written confirmation once this issue has been resolved. 

I remind you that under the FCRA, you are obligated to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. Failure to do so can result in legal consequences. 

I urge you to prioritize this matter and address it promptly. I have been patient thus far, but I will not hesitate to escalate this issue to the appropriate authorities, including the Federal Trade Commission ( FTC ), if necessary. 

Thank you for your attention to this pressing matter. I look forward to your swift response and resolution.
Consumer complaint received 2023-11-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (VA)

My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against Transworld Systems Inc for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given TSI any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with TSI and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TSI any right to collect on this alleged date. It is my belief that TSI is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from TSI before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If TSI can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TSI can provide me with sufficient documentary evidence that I have the legal obligation to pay them for a wireless product. They have no product, phone number or anything attaching me to debt. If this documentation can not be produced and TSI continues its collection efforts I will file for litigation for actual damages caused and TSI will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also TSI has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.
Consumer complaint received 2022-10-29
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. (CA)

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 XXXX Account number # XXXX, XXXX XXXX XXXX Account number # 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 or 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 know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-03-02
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a car loan with Capital One Auto Finance in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, Capital One sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now Capital One and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling Capital One Auto Finance and getting nowhere and being continuously hung up on.
Consumer complaint received 2021-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

MORTGAGE COMPANY IS NOT PAYING TAXES OR FIRE TAXES, GETTING DELINQUENT NOTICES AND HOME WILL UP FOR AUCTION IF NOT PAID BY XXXX OF XXXX. REFINANCED ON XX/XX/XXXX WITH SAME COMPANY PAID XXXX IN CLOSING COST TO HAVE MY MORTGAGE LOWERED NOW AFTER CLOSING WHICH WAS TO BE XXXX A MONTH THEY INDICATED MY MORTGAGE PAYMENT IN XXXX WOULD BE XXXX A MONTH. IN LOOKING UP MY ACCOUNT THEY SHOW MY NEW PAYMENT EACH MONTH IS XXXX A MONTH. THERE EXPLANATION WAS THEY MESSED UP ON MY ESCROW ACCOUNT. 

THIS IS UNACCEPTABLE TO BE PUSHED TO PAY AN OUTRAGEOUS AMOUNT EACH MONTH AND THEY ARE NOT PAYING TAXES.
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Basically my car was repossessed recently due to the fact that I miss some payments on my lease. The reason why I missed payments is because I recently switched my credit card numbers due to a recent fraud claim which is actually identity theft and the payments were an auto pay so I didn't realize that it wasn't going through. to make my point stronger I didn't get any notifications saying that I didn't pay that month or anything like that and for that reason I have no idea of the situation and he randomly repossessed my vehicle I would like this repossession on my credit report should be cooking off my report because this will affect me immensely in my future career I always pay on time and this was a total mistake and unfair thank you very much XXXX XXXX
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc. (GA)

I have requested debt validation through a consumer federal protection complaint for a dispute and debt validation and Associated Credit Services has not provided these documents from themselves or their client. It has been beyond the 30 days allowed by federal collection laws for them to provide these documents. 

Associated Credit Service continues to call my phone and leave multiple messages. Today ( XX/XX/2018 ) I verbally spoke on a recorded line and requested that they remove my number from their calling list and send any information through the mail. 

They are harassing me by calling my phone everyday- Please take my name and number off you list I do not owe you anything
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Im asking for sign documents are contact that I sign are how they they can up with accuracy of information they cant provide me with anything I see wrong address and wrong social Security number on my report charges late payment that are not mine this causing me stress I want resolve I want to file a complaint and see if there anything else I can do about this please let me know
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (PA)

In XXXX XXXX XXXX my mortgage auto payment paid my monthly amount however the mortgage had increased by XXXX XXXX. As the rocket mortgage company had spam called so pervasively I had silenced their calls and blocked them. This led to me not being aware of a missing XXXX XXXX  My entire payment was not late, only XXXX XXXX was 30 days late and was paid immediately.
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: New Mexico Educational Assistance Foundation (NY)

A male individual uses a number of different phone numbers, including : 1. ( XXXX XXXX XXXX ; 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX ; to contact me back to back to back about alleged debt. He threatens to show up at my doorstep, demands my social security number and date of birth. He says I owe money and that he will email me. He sends no email but continues to use different phone numbers to harass me, even after I told him to stop calling me.
Consumer complaint received 2021-01-21
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2017-05-02
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc. ()

A letter was illegally sent to my employer ( in  XXXX they have a   XXXX   XXXX   XXXX   drop box ), illegally threatening to sue them if they did not garnish my wages ( non-court ordered ) under a non-existent Federal regulation (  34 C.F.R. section 682.410 ( b ) ( 10 ) ( I  ) ( F ) ).   The collection company is  Delta Management Associates , Inc   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX , MA  XXXX  ) ; phone number  XXXX  ; email -  XXXX  XXXX  XXXX .   In my attempts to call this company, I was placed on hold for an extended amount of time and considering that I live in a foreign country, to remain on hold was cost prohibitive.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX And XXXX XXXX accordance with the fair credit act # 12345, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Under 15 USC 1681b - permissible purpose of consumer report, Th LAW CLEARLY STATES : ( a ) IN GENERAL + Subject to subsection ( c ), any consumer reporting agency may furn a consumer report under the following circumstances and no othe ( 2 ) In accordance with the written instructions of the consumer t whom it relates.

Did I give you written instructions to furnish this account on my cre report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), 1 " consumer report '' does not include- + ( A ) Subject to subsection 1681s-3 of this title any- 1641 ( i ) Reports containing information solely as a transactio... 
experiences between the consumer and the person making the reports.
Consumer complaint received 2023-09-28
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Account Summary in regards to my behalf... Just asking to please receive a full statement. Thank you Please do know not in the military nor veterinarian .... Just XXXX XXXX threw previous attending at school
Consumer complaint received 2023-06-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (CA)

This is a follow up to my most recent case that was closed : XXXX. It has been over 2 months since I have opened this inquiry and I have yet to receive my funds returned from the bank nor any response after submitting the documents they have asked for. I have emailed and called several times my contact XXXX XXXX from Truist bank with no response. 
Office : XXXX ; XXXX. 

My complaint : My Suntrust Bank account # XXXX was closed XX/XX/2019 due to " fraud '' suspicions. They refuse to send me back my balance of {$11000.00} because they need me to prove this was not fraud. It is not possible for me to do this since there was no fraud activity to begin with. I am at a dead end with this bank and I need help to resolve this issue. These funds are vital to my survival and need this returned asap.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

My Discover Miles credit card got shut down with an meaningless reason " we are no longer be able to meet your servicing needs. '' and the customer service has no clue about this situation. Only said the bank closed my credit line because of business which is not relevant to me because I paid every bill on time since I have the card. This inconvenience made me lose chances to purchase lots of good deals and earn miles.
Consumer complaint received 2023-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Onity Group Inc. (CA)

I am in the process of selling my home. I am seeking a LIEN RELEASE. In XXXX GMAC MORTGAGE granted a home equity line of credit of {$74000.00}, in my former martial surname of XXXX. GMAC is now defunct ( XXXX ). GMAC sold out to OCWEN who sold to XXXX, who lastly sold loan to PHH MORTG. None of these companies has ever reached out to me with any correspondence/billing statements. I have contacted PHH MORTG several times via phone to no avail. PHH MORTG says they have to record of my loan originating from GMAC. I have also inquired into XXXX XXXX XXXX 's office to get information on who bought loan, also to no avail. All I want is to get a lien release to resolve this matter as quickly as possible. All these mortgage companies selling loans and NOT keeping records has made it next to impossible to find the company who now has the loan.. PLEASE HELP ME. Thank you.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (LA)

Phoenix Financial has reported a collection on my credit report for {$200.00}. I have sent a validation letter to get the account verified but they have not done so. I have even asked for these things 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt. 
3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4. Proof that the Statue of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Show me that you are licensed to collect in my state. 
7. Your license numbers and Registered Agents They did not provide me with any of this information and they put on my credit that I have disputed this account. All I am doing is validating the account how could this be a dispute? That is false information.