davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Healthcare Collections-I, LLC (AZ)

XXXX Healthcare Collections reports inaccurate and non-sustainable information 2 times under the same name each with different balances, after formally requesting by certified mail pursuant to the FTC Act 15 U.S.C. 45 ( a ), on XXXX XXXX, 2016, the company has failed to meet the requirements to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts. after repeated disputes through all XXXX credit reporting agency for over 3 years or more with no solution to remove
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Strategic Automotive Servicing, LLC (FL)

I went to a buy here pay here place got a XXXX XXXX XXXX and the finance company is Strategic Automotive servicing. I was making bi-weekly payments and one point I was having financial diffculties I was not making as many hours due to covid then my wife had XXXX was out of work for XXXX -XXXX XXXX. So I called in XXXX asked a rep if I can make monthly payments she said Yes. I made a payment for a month and have been making payments like that ever since. But every week I get calls from them stating I owe them money and I can not pay once a month because I signed a bi-weekly contract. I explain that is not what I was told. I ask did you look at thge notes they respond yes I see the notes about the monthly payment but you can not do that. I have been paying monthly. So on XXXX XXXX I get a call saying XXXX cancelled my insurance and they was going to put insurance on the car. I said OK. Then on XXXX XXXX at XXXX am a recovery truck comes to repo the car.I called them on XXXX when they opened and asked why the car was repossed? Everytime they call they I say the same thing I will make my payment on the 2rd week of my pay hopefully it will fall on the XXXX. Then they kept saying I owed {$830.00} I kept asking where is this number coming from. I was told because certain months have 5 weeks I have to pay the extra weeks of the year. I said that does not make sense if I pay once a month. On the XXXX after I asked them to send me bill because I have never received a monthly statement. XXXX said I had to make that {$830.00} payment in order to get a payment history. After I mentioned the CFPB she sent it to my email. I sent the {$830.00} to a XXXX XXXX XXXX strategicautomotive. Went to XXXX XXXX to get the car back so I waited Strategic to send over the paperwork to recover the car. The receptionist called them they told her to tell me I also needed to pay the repo fee so the rep said Oh NO you tell the cust that so she handed me the phone and the rep said that to me. I asked for the manager he got on the phone said he will not pay the repo fee. I said I will not pay it. The owner of XXXX XXXXy said customer never pay us that fee. Strategic is who called me to pick the car up not the customer. I left without retrieving the car. Strategic sent me letter XXXX XXXX stating they will be selling the car on the XXXX and if they sell the car for less then the price I am responsible if they get more they will get all the fees that has accured and send me the rest. I was making payments not sure why they repo the car then when I tried to retrieve the car they tried to make me pay more money for a service they are responsible for.
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC (NV)

I keep getting phone calls to my cell phone at XXXX XXXX ( in some cases straight to voicemail ) from supposedly TitleMax at XXXX XXXX saying I ( they think I am a guy named XXXX ) need to resolve it now or they would take legal action. Every time I call them I am told my number will be removed, usually after an interrogation ( I give no personal info beyond my clearly not XXXX gender and my name plus the fact that I have zero loans with anyone ). They clearly do not remove my number. I am only person in household, am not XXXX, don't know XXXX, have no mortgage, have no car loans, -- my only debt is credit card and store neither of which I believe TitleMax handles even if I were XXXX.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I filed for chapter XXXX bankruptcy. It started XXXX. I was discharged on XXXX. Capital One purchased XXXX sometime after that. When I do not know. Capital One received a debt which my lawyer missed on my credit report. Capital One sold it to XXXX XXXX. XXXX has called my job everyday for 4 years seeking payment. When I told them my XXXX debts were absolved in bankruptcy they said no they weren't. I filed a zero assest, total liquidation Chapter XXXX bankruptcy. I filled for XXXX dollars in debt to cover all of my debts even ones possibly missed. This debt was an XXXX XXXX card managed by XXXX. Capital One has acknowledged this is an account received from XXXX. Capital One has acknowledged this to me in phone calls. This debt falls under the no harm no foul rule. I have paid with ten years of my life. When I disputed the debt it reset the clock on how long it can remain there. This is also unfair. I am not legally bound to this debt anymore. I should not have to pay a debt from over ten years ago that was discharged. This is a violation of my Chapter XXXX rights. My lawyer has since passed away and closed his office. I am considering suing XXXX XXXX and Capital One. The sale of this account and its subsequent collection is ilegal.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX XXXX XXXX as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-08
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (NC)

Over a week ago, I started trying to get my escrow account reverted to me, I was told I could by, XXXX XXXX, and that she advised that I call the escrow department on XX/XX/XXXX to start the procedure. I called on the XXXX XXXX XXXX and I was told that I didn't qualify due to the VA Housing Admin. I waited till Monday and called the VA XXXX in XXXX, Georgia to see if this was the case, especially when they told me that the VA required a 720 credit score, very few veterans could meet that score!! The gentleman at the VA Housing told me that, no that wasn't a VA requirement and absolutely " NO '' the score is too high. I have a recording of the conversation with the VA Housing and also the information that he emailed me.
Consumer complaint received 2020-04-08
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. (TN)

I mailed via certified mail of several documents on XX/XX/XXXX to TransUnion disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX Tennessee Bankruptcy Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by TransUnion stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from TransUnion, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from TransUnion was XX/XX/XXXX.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$330.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2024-03-19
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Related to XXXX, I like how Venmo worded and shifted things around in a way that conceals how few/some/many/all of its employees hid all the behind-the-scene activities, that include but limited to, stalking my account and causing annoyances. 

( Or maybe group up with random 3rd parties/others to come up with anything that they can use to damage or harm/injure me ). Though I'd love to use the same kind of standards against Venmo, I don't have other people who share the same enthusiasm to stalk Venmo or its employees to group up with. 

It's not something I did to cause these alerts, but these employees ' will to fish more random information that causes this " permanent closure. '' I don't recall that " XXXX '' existed for Venmo accounts. I did use two different bank accounts with Venmo, and all previous accounts were closed voluntarily on my own. I broke no agreement during that time. For 3rd bank account, because the Venmo representative only required the bank statement for accounts that were to be re-used, I was only able to use a debit card to activate it. I didn't try to re-use any previous bank accounts and that's why Venmo allowed the new account. 

It is also strange how Venmo suddenly put a freeze on my account, then require government ID then bank statements for ALL previous accounts. ( 1 ) It had enough ID to verify, even if this were truly an identification issue. ( 2 ) Requiring bank statements for all previous accounts contradict previous call on only requiring debit card for new account. 

This is exactly the reason I refused to give out any more information and I'm glad Venmo saved me from its employees be banning me from its platform. 

I'm " submitting '' this rebuttal to expose the hidden intent behind your actions.
Consumer complaint received 2024-04-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCF Intermediate Holdings LLC (RI)

There is a a loan on my credit report that is not mine. 
I did not take this loan out XXXX XXXX XXXX XXXX has the loan. The loan originally from Speedy Cash Speedy cash The loan date is XX/XX/2023 The amount it is for {$1700.00}
Consumer complaint received 2024-03-19
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. (NY)

There are several errors on my XXXX and TransUnion credit reports. on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2020-04-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MA)

Under the CARES Act signed into law recently, servicer 's of federally backed mortgages are required to allow a 180 day forbearance plan when requested by the borrower. No paperwork is required ( such as an assistance package ). You simply need to state that you are directly affected by the COVID-19 virus. In my case, my hours were reduced to 16 hours per week from 40 hours. 
Roundpoint is outright refusing to honor my request. At first they said they would only do 90 days. Then they said I had to fill out the full assistance package because I filed for bankruptcy chapter XXXX in XXXX of XXXX. It was discharged in XX/XX/2017. Roundpoint was included in the BK, but I kept the house and continued to make payments. 
There is no provision in the CARES Act that denies me the right to a 180 forbearance due to a chapter XXXX bankruptcy. 
I am requesting that they follow the law and grant me a 180 forbearance on my loan. In addition, I may ask for another 180 days under the law depending on my work situation.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my score.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: U.S. BANCORP (GA)

US Bank as of XX/XX/2021 via their own document has NOT correctly accounted Principal Only payments to my loan. In addition when I was attempting to Retitle and Register the vehicle in the State of Florida they refused until at their direction redact my correct address for a Florida address. 
The staff at CFPB did not read my original complaint and the reply from US Bank because the reply was about something totally different and did NOT address my complaint
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One called me on XX/XX/2019 to tell me they suspected possible fraud on my Visa account because someone had requested a new card be sent to a NY address. I reside in Florida. They said they would close the account and issue me a new card. The new card never arrived. Sometime in XX/XX/2019 there were numerous cash advances on a new Capital One account made in XXXX and surrounding areas of XXXX. I informed Capital One these were fraudulent charges and also closed in writing my previous account number. I continued to get statements and informed Capital One in writing by certified mail on at least five occasions that this was fraud. They have basically stated their investigations and ignored my documentation. I have notified all three credit report agencies and also completed a fraud claim on the official goverment web site. Capital One continues to show this as a charge off on my credit reports. I have all supporting documentation and want Capital One held accountable for this negative reporting and credit harassment.