davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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: Resurgent Capital Services L.P. (NE)

I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is LVNV and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. 

I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither XXXX or LVNV have produced a document of any type and I only get a notice that the debt has been verified. 

I am again disputing this debt as not mine and it still remains listed as a verified debt on my Credit Reporting file. 

Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. 

I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by LVNV to XXXX as verification that the debt is mine, XXXX has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. 

If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. 

If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. 

I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.
Consumer complaint received 2016-06-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have been a customer of Bank of America for twenty years. I have always paid my bills with them on time or before due date and in most cases more than the minimum due. 6 1/2 years ago my wife had to file for bankruptcy due to loss of job and excessive medical bills. She was a co-signer on our 2nd mortgage and LOC. I assumed total responsibility for the debt and have been paying without incident, always on time and more than what was due, online using my BOA checking account. 
The other day I signed on my BOA account to review my accounts to make payments and found that I could no longer access both 2nd mortgage and LOC. I received a message that I could no longer access those accounts of make payments because of a bankruptcy or discharge of such. I contacted BOA thinking that this was done in error and informed them that I never filed for bankruptcy and for 6 1/2 years I have paid on these accounts using my BOA checking online access without incident, never late. 
I was told that I could no longer do so and that I now would have to phone in my payment, use a paper statement or go to the local branch to make my payments. As a XXXX vet going to a local branch would be problematic and calling BOA on anything has been shown to be anything but easy. 
I have done nothing to warrant BOA actions. I have a flawless credit history with credit scores in the lower XXXX range and my history with BOA has been the same. BOA did n't loose a thing on my wife 's bankruptcy and for them to take such an action after 6 1/2 years of flawless payment history by me is just wrong. 
When I spoke to their bankruptcy department they said that their actions were done to protect me. How is blocking my access to my accounts to keep my flawless payment history from continuing, protecting me? I emailed the CEO requesting his assistance in this matter and of the date of this complaint I have not received any response. 
So again, I never filed bankruptcy, I have never been late and as a customer I would be the type of customer that most banks would like to have. I also have a BOA credit card and they just raised my limit to {$23000.00}. because of my credit history with them. Does any of this make any sense? BOA is without a doubt the worst bank I have ever dealt with.
Consumer complaint received 2022-04-20
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: Unifin Inc. (NE)

I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is XXXX and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. 

I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither XXXX or XXXX have produced a document of any type and I only get a notice that the debt has been verified. 

I am again disputing this debt as not mine and it still remains listed as a verified debt on my Credit Reporting file.

Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. 

I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by XXXX to XXXX as verification that the debt is mine, XXXX has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. 

If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. 

If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. 

I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A collection account which I am not aware of just popped up on my TransUnion consumer report. XXXX XXXX XXXX, XX/XX/2024 I am unaware of this debt. I didn't have the opportunity to dispute this information. If, in fact, you believe you got me proper notification, please provide the certified receipt with my signature on it.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I made a payment to pay off my credit card balance on XX/XX/2022. When I logged on to make the payment, several payment types were offered to me. I chose a payment type that was displayed as " express processing ''. The amount of my payment was immediately deducted from my available checking account balance. I logged out and back in to the creditor 's website several times and showed no indication of a pending payment or payment made. I waited XXXX hours and called the creditor on XX/XX/XXXX to question why my payment wasn't at least showing 'pending '. The operator put me on hold several times over the course of XXXX hours and finally 'found ' the payment. The creditor sent me an email on XX/XX/2022 showing a payment posted date of XX/XX/2022. Today, on XX/XX/XXXX, I still do not have access to the available credit, but the creditor is showing FULL, not pending, application of the payment as of XX/XX/2022. I called the creditor to find out what is going on and they are telling me it will not be until XX/XX/2022 that I will have access to use my card. Today and tomorrow are the days I want to use the card, as it is specifically an Amazon Prime Card- and today and tomorrow are the once annual " XXXX XXXX XXXX ''. I asked the creditor over the phone if they will be paying me interest while holding on to my money. They indicated they will not be. I think their practices are deceptive and unfair. I made the so-called 'express payment ' a full week before I needed it, so it should be available.
Consumer complaint received 2024-03-11
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-20
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: CITIBANK, N.A. (IN)

In accordance with the fair credit Reporting Act XXXX XXXX Account # XXXXXXXXXXXXXXXX, 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. 

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-20
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. (CA)

In Accordance with The Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Accounts # XXXX, has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX ( XXXX ) XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX Credit Card XXXX 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error Institution Information XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-12
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. (IL)

In XXXX, 2022 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item with XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could NOT verify this item so they deleted it from their database. 

I then went back to Equifax XXXX, 2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a homeland causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2022-11-08
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. (AZ)

To Whom It May Concern : I'm in shock how poor attention the consumer report concerning me has gotten.

You are reporting inaccurate and/or incomplete/fraudulent information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.
Consumer complaint received 2022-04-20
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXX Accounts # 12345, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It
Also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX ( XXXX ) XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX Credit Card Cos. 

Institution Information XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error Institution Information XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-25
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. (UT)

XXXX  XXXX XXXX # XXXX is reporting a late in XX/XX/2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.
Consumer complaint received 2022-04-20
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. (MS)

I sent LCI a request to investigate and verify the accuracy of bankruptcy case number XXXX vial mail on XX/XX/2022 and via CFPB on XX/XX/2022 in which LCI acknowledge receipt of the request and responded that the " Company response is in progress as of XX/XX/2022 ''. 

CFPB Complaint Number XXXX My initiation complaint " I have attached my letter that I mailed on XX/XX/2022 that you told me that you never received on XX/XX/2022 '' My initial fair resolution request : ; Please acknowledge my letter and respond within a appropriate time frame. Also, please do not close this complaint without attaching your response. If any changes are made your are required to share the results with Transunion whom you share a relationship with Today is XX/XX/2022, and I still have not received a response from this company! 

LCI has failed to conduct an ( re ) investigation of bankruptcy case number XXXX in question within the required timeframe as outlined by the Fair Credit Reporting Act, and must subsequently remove this record from my LCI report. 

15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Consumer complaint received 2022-12-21
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. (IL)

In accordance with the fair credit reporting act XXXX Account # XXXX, 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. 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 purpose.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-20
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. (TX)

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

XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Consumer Account # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX National Credit Audit 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.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes 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 information is inaccurate..
Consumer complaint received 2022-07-12
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)

I noticed recently that the Three credit reporting agencies show a new collection account XXXX XXXX XXXX XXXX XXXX the shows me delinquent on a XXXX XXXX XXXX card in the amount of {$250.00}. Ive never had a XXXX XXXX XXXX XXXX I've called XXXX XXXX XXXX and spoke with a representative and they agreed it's my name however not my address, ss # or any other of the information they could verify and said they would fix the issue. I wrote to them also, and just can't get anywhere with these folks. Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

A XXXX rental property post emailed me on the inquire of a property. Unfortunately this post and person I had contact with via email and text promised property rental agreement and keys with the transaction of a security deposit that was sent through Zelle to recipient XXXX on XX/XX/2022 from my banking account. I was scammed for {$2000.00} out of my hard earned money. This person used a property address that did not belong to them as well as documents Id, and property deed from a unknown person to scam. I contacted the recipient to refund the money back and has completely ignored my request, I also contacted my XXXX bank and Zelle customer service but I am unable to get my money refunded.