davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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. (CA)

XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX is not my account In XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my XXXX XXXX XXXX XXXX  company it is stopping me from getting Funding 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  I need to stop in my goals and plans please address this issue immediately
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX I sent dispute letters to Experian regarding 2 accounts that are charge off and they fail to comply with a complete investigation, They have not sent me proper validation, I have not received proof of contract with my signature with neither company, furthermore IRS states a charge off is INCOME AND INCOME should not be reported with Credit Reporting companies.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some sober living houses to help the XXXX  and reduce the overcrowding in jail by providing training in other opportunities for people to be able to maintain permanent housing I need to stop in my goals and plans please address this issue immediately
Consumer complaint received 2022-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

I am a victim of identity theft. In XX/XX/XXXX, I noticed a fraudulent account added to my credit report by Affirm Inc Open Date XX/XX/XXXX, Account Number - XXXX, Balance {$1200.00}. I filed an official Police Report with the XXXX Police Department reporting the fraudulent crime. I also notified the credit bureaus and disputed the information. In XXXX, XXXX, another account from Affirm Inc was added to my credit report AFFIRM INC, Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00}. I again disputed this fraudulent account and filed an FTC report to report the crime but yet this information remains on my consumer credit report. This fraudulent account # XXXX is now causing severe financial hardship on myself and my family. This is a direct violation of my rights under The Fairs Credit Act and Affirm is in violation of the Debt Collection Practices Act.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (AZ)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been getting alerts from XXXX XXXX XXXX XXXX XXXX 's credit monitoring with XXXX XXXX XXXX who gathers their information from Transunion 's vantage score 3.0 report. I have a security freeze on my credit with Transunion due to identity theft yet there are 8 security alerts with 5 of them being in XX/XX/XXXX and 3 from XXXX. These include 2 new employer changes, 1 new address change and 5 hard credit inquiries. None of these changes or inquiries should have happened as I have had a security freeze since XX/XX/XXXX and have never done business with any of these companies. I have not applied for anything in several years since before I added the security freeze. I have not moved in 17 years or changed employers in 41 years. Transunion needs to remove everything that was changed or added since XX/XX/XXXX when the freeze was placed.
Consumer complaint received 2022-05-28
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. (FL)

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

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 : 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 2022-05-28
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. (TX)

All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately
Consumer complaint received 2023-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (FL)

One Main Financial deceptively up sold me on products for a car refinance loan that they claimed I could cancel at anytime. When requesting my debt validation they only sent me a copy of the contract that did not list any of the products that they added on and only refunded part of one product. They then told my that the refund would make no difference to the loan. They refuse to refund upwards of {$15000.00} because of their deceptive and unfair practices.
Consumer complaint received 2022-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (FL)

This is related to CFPB complaint number XXXX. The check to payoff loan with XXXX  was mailed to the designated lockbox of XXXX with loan number written on face of the check and deposited to an account with the XXXX XXXX, XXXX  branch of Wells Fargo on XX/XX/XXXX. XXXX has claimed they didn't receive check and during their follow up with Wells Fargo, were informed the check was credited to the wrong lockbox account. I was informed on XX/XX/XXXX that Wells Fargo would have this corrected by XX/XX/XXXX. It was still not corrected when I received another email from XXXX on XX/XX/XXXX stating that Wells Fargo was still working on correcting the issue and would have it resolved by the XXXX. As of close of business on the XXXX the error had still not been corrected and my calls to XXXX are left with no answers. I don't know if there is collusion between Wells Fargo and XXXX as to why the {$41000.00} payment has not been credited to my account, but I do know that my loan was updated with the XXXX credit reporting service to indicate the XX/XX/XXXX payment had been made. The account number on the check appears to be XXXX, XXXX or XXXX with lockbox number XXXX or XXXX.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (GA)

I the consumer requested a copy of my consumer file from LexisNexis. I never received it and if they are hiding vital information pertaining to my consumer report I may use the law accordingly.

15 U.S. Code 1681 Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

See attached for identification
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

My name is XXXX XXXX XXXX and my mortgage was transferred from XXXX to Newrez. It looks like during the transition I missed a payment by mistake. I travel a lot so havent been seeing my mail, and no where in my online account at Newrez says that I missed a payment or even mentioned the late fees until XXXX of 2024, when i immediately called to make the missing payment and request the late fees to be waived. 

Ive never in my XXXX years of life have missed a mortgage payment, so Im requesting to please waive the late fees that you are charging to my account. 



My address is : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Appreciate the help!
Consumer complaint received 2022-05-28
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. (FL)

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

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 : 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 2024-04-02
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: NCB Management Services Inc. (FL)

On XX/XX/XXXX, I contacted NCB Management Services Inc. regarding a debt that I did not believe belonged to me for XXXX. Despite my concerns, they advised me that the debt would not be removed from my credit report. 

Understanding the impact of this debt on my credit score, I negotiated with NCB, asking if making a payment would result in its removal. A representative named XXXX XXXX assured me that upon payment, the debt would be completely removed from my credit report if i made a payment of {$1000.00}. 

To solidify this agreement, I received a letter from NCB, dated XX/XX/XXXX, signed by XXXX XXXX, confirming that upon payment, they would request the removal of the debt from my credit report. 

On the same day, I made the payment as instructed by NCB and received confirmation that the payment was processed. 

Following this, I verified my credit reports with all three major credit bureaus ( XXXX, XXXX, XXXX ). While XXXX and XXXX promptly removed the debt, I noticed that XXXX did not. 

In an attempt to rectify this, on XX/XX/XXXX, I sent a certified letter to XXXX detailing the situation and included the assurance letter from NCB. 

Despite my efforts, on XX/XX/XXXX, I received notification that the investigation with XXXX was closed without further explanation. Upon contacting XXXX on XX/XX/XXXX for clarification, I was informed that the investigation was closed due to an alleged inability to validate my identity. 

Speaking with XXXX supervisor XXXX on the same day, I confirmed that my identity was indeed validated. However, despite this confirmation, XXXX informed me that they could not assist further and suggested contacting NCB again. They stated NCB comment was they updated the balance to {$0.00} even though they agreed in writing to remove it from my credit report. 

In conclusion, despite my diligent efforts and adherence to instructions, NCB Management Services Inc. did not fulfill their promise to remove the debt from my XXXX report XXXX XXXX has not aided me even with all the documents i sent. This unresolved issue has had a significant impact on my credit report and financial well-being. 

Thank you for your attention to this matter
Consumer complaint received 2022-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc. (PA)

Simon 's Agency has been reporting a debt/charge off ( {$34.00} ) that has never been verified as mine. As of XX/XX/XXXX the company has been reporting a medical collection that they never contacted me about. Then on XX/XX/XXXX the company reported it as a new account which means it was reporting double. It is negatively affecting my credit and harming my reputation. And then when I disputed it, they verified it with the consumer reporting agency. There is also a statue of limitations on this type of debt in my state.
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX a collection letter for a debt that she is not aware of. This was first letter but it claims that it tried to contact XXXX previously. This is a scam.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (VA)

I sold my house in XX/XX/2022. I discovered an erroneous deferred balance added to my loan in excess of XXXX. I have tried for months to get my money back. The company has agreed they made a mistake but say they dont know how to fix it. Im so distraught and stressed over this unbelievable mistake and the lack of care and respect I deserve.
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

I was using Zelle to receive money for chairs that I was selling. The buyer told me she sent the {$250.00} using Zelle to my Zelle account. I then received an email from Zelle saying my account was not a business account so my {$250.00} was on hold. It said I needed to contact the sender and that the sender would need to send me an additional {$250.00} ( for a total of {$500.00} ) to upgrade my account. The sender says she did this. Then, I get another email from Zelle saying that I now have {$500.00} pending in my account. The email said that to receive my full {$500.00}, I would need to refund the {$250.00} to the sender, send a picture, and then the money would come to my account. I did this, however it did not work. This then prompted me to call XXXX XXXX. I explained the to XXXX XXXX what was going on. They said that everything was fine and that it seems like the transaction was canceled and to try it again. So I did, with the ladies different account. The {$250.00} was sent, and I never received my {$500.00}. The lady then scammed me again into believing that I did it wrong. She made me send her an additional {$250.00} ( {$500.00} total ) to her. I never received any of my money. I called XXXX XXXX  anf Zelle. They said nothing can be done since I authorized the transaction. However, I was scammed by Zelle and misinformed by XXXX XXXX that the transaction was safe and that it was ok to continue. Zelle and XXXX XXXX are at fault and wont help me get my {$500.00} back.
Consumer complaint received 2022-05-28
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. (PA)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (GA)

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  XXXX ) XXXX XXXX XXXX also my ssn is XXXX bank statement attached drivers license attached