davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : 1. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
2. Why is this third-party entity negatively impacting my credit score?

3. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
4. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this 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 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CT)

This issue involves more than one entity. I purchased an item with XXXX XXXXXXXX XXXX XXXX XXXXXXXX via pay installments with Affirm using my credit card with XXXX XXXX XXXX XXXX XXXX quoted a 3 business day delivery and express shipping. XXXX never responded to my inquiry for express shipping so I cancelled the order the next day. A week later XXXX sent me an email saying my item was shipped from XXXX, NJ. I sent another communication telling them that the item was not authorized to be shipped due to them not following their express advertisement. They responded saying since it was already shipped I needed to wait for receipt and return the item to get a refund. Every week since then I have received an email saying that my item was just shipped from various locations with various tracking numbers which were not valid on any system. I advised Affirm of this fraudulent activity and told them all of the above. I also sent them images of the aforementioned. Affirm denied my claim once and when it was escalated with additional verification images they ignored my claim. Additionally, I encountered 2 representative at Affirm including XXXX XXXX who were extremely intent on not investigating nor resolving this issue. I tried filing a claim with XXXX however their turnaround time is unreasonable. I have encountered several fees in accumulated debt due to the unnecessary willful mishandling of this fraud merchant.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

On XX/XX/XXXX my vehicle was repossessed by XXXX XXXX XXXX XXXX. On XX/XX/XXXX I talked to loss mitigation said they are in the process of charging off my 2 credit cards with 2 loans. They said the total of my charge off would be XXXX. I said that I would like to pay off my auto loan to get my vehicle back. They said that would be okay, if it was before XX/XX/XXXX. They informed me they will hold off on the charging off, If I paid off the auto loan, repo fee, and storage fee by XXXX. She said the total will be XXXX that they also would not give me my title tell the other account have been paid off. on XX/XX/XXXX I paid the bank XXXX and loss mitigation supervisor told me it did not cover the repo fee and they would just be tagged onto my other debt that is owed. At the time I asked how much it would be and they would not informed me cause they didnt know how much it would be. They also said they would email me my paperwork and did not. Later on XX/XX/XXXX I received a call from the same loss mitigation agent that has been talking with me throughout this repossession. 
she was asking for a verbal agreement on how much I can pay a month to settle my other debt. I just started my new job on XX/XX/XXXX so just gave a rough estimate of XXXX. Now I been paying XXXX every month so far. I ask when I might get my title since the auto loan is paid off and they stated when my debt is paid in full. Its been a fight to get any documents from them about my repossession, or a charge off. They stated they cant provide any documentation of the charge off because they will have to send my account to legal and my car would be repossessed again. Its been a struggle cause I can not pay anything but the XXXX or they send me email starting avoid any possible legal action at this time. After demanding the repression paper work they only will send me the documents of the paperwork that I signed to get my vehicle back and not the auto loan being paid off and the total. When ever I do they said they cant provide it or they will need to send my account to legal. I have no paperwork showing that they can hold my title for collateral for my other debt. Every person I talk to said this very strange for a bank to be this way. So I am reaching out to see if they are doing everything correctly. Thank you so much for your help
Consumer complaint received 2023-03-10
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. (AL)

I submitted a dispute on XXXX about incorrect late payment reporting on my account for XXXX XXXX to Equifax. They did not do an thorough investigation, as they responded within 6 hours just showing my payments online. They are disputing I was 60 days late on XX/XX/2022, On time payment for XXXX 2022, 60 Days late for XXXX  2022, 90 days late for XX/XX/2022, and 120 days late for XX/XX/2022. This is invalid data. On my XXXX report I am showing 1 late payment for XX/XX/2022 at 30 days late. This is the only correct late payment. I have reached out to their support team via email several times to rectify this and they have not responded. The email I am sending it to is XXXX XXXX
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (FL)

I had a medical debt with XXXX and have been paying them no fly to solve. There was an invoice they sent to an old address and never attempted to send to correct updated address they had in their system. They sent me to collections with Capio. I contacted Capio, requested itemized statement. Called XXXX to solve this issue as it should have never gone to collections in the first place. XXXX told me to contact Capio to solve and make payment arrangement. Capio told me XXXX can pull the bad debt back to XXXX. XXXX refuses.
Consumer complaint received 2022-11-22
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. (DE)

I looked over my consumer report and I noticed some inaccurate information. As a result, I filed a dispute with Equifax. By law you are required to investigate anything that is furnished on my consumer reports. Can you please tell me what method was used to investigate these inaccurate items and how you came to the conclusion that they are accurate? It was recently proven that Equifax has not properly handled consumer disputes because they do not conduct proper investigations. I submitted a police report with my dispute of the fraudulent information and it still has not been blocked or removed from my consumer file. 

I never consented to this information being furnished and this infringes upon my right to privacy. I am demanding this information be deleted permanently or I will escalate this and hold you liable. 

The following are the inaccuracies on my report : XXXX XXXX Account # XXXX The below listed inquiries are inaccurate and were unauthorized by me. I never gave these creditors authorization for Equifax to furnish my credit report : 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 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (PA)

On XX/XX/2022 Bridgecrest formerly XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Bridgecrest violates XXXX Validation of debts, Bridgecrest violates XXXX Furnishing certain deceptive forms, Bridgecrest violates XXXX False or misleading representations. Bridgecrest HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
Consumer complaint received 2023-03-10
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. (PA)

In accordance with Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 states a consumer reporting agency can not furnish an account without my Written instructions.
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: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the Experian and XXXX XXXX XXXX  and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (VA)

The company requires a customer to consent to sharing information outside of that info sharing required to process the loan on a form that specifies that consent is not required to process to loan. They do not offer an option to opt out you must consent to share then revoke that consent later. 

Excerpts from email exchange. 

I was informed you were curious why the consumer has to sign the privacy policy page on the loan agreement. This is a standard for all loans, giving the lender permission to mainly service the loan. The consumer is required to acknowledge receipt of the policy and therefore needs to sign it. Loanpal needs to be able to service the loan and that requires sharing information to the servicing/ billing department or to the credit bureaus. If the consumer wants to opt out of sharing that is not required to service the loan, we can send that request to our back office for them to opt out. We are not able to change the contract the consumer is signing and they need to sign and acknowledge receipt for us to move forward with financing. Feel free to call with any other questions, # XXXX. 

This reply is again full of shady double speak.. 

" giving the lender permission to mainly service the loan '' note the " mainly '' acknowledging that more than just permission to service is being requested and required. 

" Loanpal needs to be able to service the loan and that requires sharing information to the servicing/ billing department or to the credit bureaus '' not denied but more than that is given in consent in this form. '' " If the consumer wants to opt out of sharing that is not required to service the loan, we can send that request to our back office for them to opt out. We are not able to change the contract the consumer is signing and they need to sign and acknowledge receipt for us to move forward with financing '' Acknowledging that I am being required to opt in first to more than is required by just servicing. Also acknowledging that they are requiring a customer to opt in to more than required sharing in order to do business contradictory to what is said in the form itself and in my opinion not legal. 

I have already filled complaints against this company for deceptive privacy practices. They could easily add that signature as optional signature to process or an opt out of all non essential for servicing sharing into the contract. 

Let me know if they change the form or provide an opt out initially.
Consumer complaint received 2023-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (DC)

Lockhart Morris and Montgomery ( LMM ) began reporting negatively on my credit report as of XXXX of XXXX for original debtor XXXX XXXX XXXX XXXX. I spoke with LMM through out the year ; however, LMM continued to falsely report that they were unable to get in contact with me and began employing predatory practices by inundating my credit report with inaccurate and derogatory remarks. I contacted the original debtor who provided the contact information for their billing department and PAID the original debtor. I emailed receipt of the debt paid in full to LMM medical manager XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called and spoke with XXXX, who was unprofessional, combative and stated " I'm not going to tell you what you want to hear '' and refused to transfer me to another personnel and proceeded to hang up on me and refused to provide details as to why LMM continued to add derogatory remarks on my credit even though the debt had been paid in full. XXXX stated she will not remove anything from my credit report and stated she will continue to provide false information to the bureaus. LMM needs to remove the debt and derogatory remarks completely from my credit report and should be ashamed for practicing in a deceptive, unprofessional and a predatory manner. I have recordings of the calls. The debt has been paid in full and they have record of receipt of this and are knowingly provide false information to the bureaus.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-15
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I refinanced my mortgage that I had with Select Portfolio Servicing in XX/XX/2020 with another lender. The account was paid off in full on XX/XX/2020. Select Portfolio Servicing owes me a check for the remainder of my escrow account in the amount of {$1700.00} which as of XX/XX/2020 I have not received. 
I have called them three times ; once in XXXX and again on XX/XX/XXXX. I was told on both occasions that the check had been mailed. 
The last date they said the check was mailed was XX/XX/2020. It is now XX/XX/XXXX and I have not received my check. 
I called XX/XX/XXXX and have not received a satisfactory response. 
I would like to file a formal complaint against Select Portfolio Servicing
Consumer complaint received 2023-02-01
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: Experian Information Solutions Inc. (AL)

Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete.

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company.

This is a violation of 15 USC 1681s-2