davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (FL)

CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Dear Sir/Ma'am I am writing in response to your company placing MULTIPLE DEBTS ( 15-USC-1692H ) AND DUPLICATE medical collections on EACH of my Consumer Reports. 
As part of my validation request under ( 15-usc-1692g ) XXXX I am requesting your company provide me with the PURCHASE AGREEMENT to ensure the accuracy of the records. 
Please provide me with the original bills from each account you have listed on each of my Consumer Reports. Please provide a breakdown of these medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you. 
Provide me with your company license/bond to collect debt in my state. Please provide an affidavit signed under Penalty of Perjury that your agency has not violated any portion of the FCRA, FDCPA, HIPPA, and PHI. PLEASE CEASE ALL CONSUMER REPORTING UNTIL THE DEBT HAS BEEN VALIDATE BY ( ( ME ) ). 
Please accept this as my formal debt validation request, I am allowed under FDCPA. Withholding any information you received from any provider in an attempt to be HIPPA compliant is a violation and considered deceiving me after my request. I request full documentation of all information you received from the provider of service in connection with this alleged debt. 
Please do not contact me by phone at home or work. Continued reporting of this alleged debt prior to me validating is a violation which can allow me to seek even more damages. If your company fails to respond please remove all references to this account and alleged debt from my Consumer Reports and your company records.Thanks for your immediate attention. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX XXXX
Consumer complaint received 2022-05-31
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. (NC)

XXXX XXXX XXXX about removing late payments they reported on my account due to me having to support a family member who passed away from COVID-19. I received a letter saying they would remove the information from my consumer reports but has yet to do so.
Consumer complaint received 2022-05-31
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)

n accordance with the Fair Credit Reporting act Derogatory marks made from XXXX Tx 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
Consumer complaint received 2022-05-31
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. (TX)

n accordance with the Fair Credit Reporting act Derogatory marks made from XXXX Tx XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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
Consumer complaint received 2022-05-31
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. (MI)

I spoke with an agent from EQUIFAX about my equifax score early XX/XX/XXXX because their were several things on my credit report that do not belong to me and are negativly impacting my credit score, equifax shows roughly 100 points lower than the other 2 reporting agencies. The following accounts do not belong to me XXXX XXXX XXXX XXXX open XX/XX/XXXX {$34000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX {$17000.00} XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX open XX/XX/XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX {$72.00} XXXX XXXX XXXX open XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX
Consumer complaint received 2020-12-18
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: DISCOVER BANK (CA)

The Problem that I have been having with this company is that I have been trying to solve a mistake that they made while reporting on my credit report a late payment when Im sure that I made that payment and Have sent the proof on this letters attachments, Ive tried to solve this with them already but when I called them, they say there is no late payment in their system. Furthermore, they will not fix anything for me even though they admitted I am not late, and this has affected me on my mortgage putting me on escrow, just to think about the fact that this could have been solved by just putting a small effort and fixing their mistakes makes me feel bad because I would not be in the situation that they basically put me in. 

If this continues to be an issue and they do not tend to resolve their mistake I will feel no more than obligated to file a sue against Discover since they refused to fix a mistake that they did, and it brought serious consequences against me.
Consumer complaint received 2019-11-25
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc. (TX)

On XX/XX/19 my auto loan company consumer portfolio services disclose my account info to mrs.XXXX   XXXX the info given out was my loan balance, past due amount, account status and express my account has been reviewed for repo. mrs.XXXX  has never been authorized to talk to on my account at all and also i have been receiving 6 to 8 calls per day on my and my personal reference XXXX XXXX had been contacted more than once per my loan
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I need help with a dispute that I submitted on XX/XX/2022 with Transunion, XXXX, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.
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. (TX)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX, Capital One cancelled a business credit card I had with them. The card had a {$1100.00} credit due to an overpayment. On XX/XX/XXXX, I was issued a check for the credited amount made out to my company ( XXXX, XXXX. ) which no longer existed as of XX/XX/XXXX. 
I sent the check back and requested the amount be endorsed to me since it COULD NOT be cashed as a company check by anyone. Capital One has ignored my phone calls and letters and are now proceeding to turn over my funds to the Maryland Treasurer as Unclaimed Property. Please help me resolve this long standing impasse. 

Holder ID : XXXX Property ID XXXX Check Number : XXXX Property Amount : {$1100.00}. XXXX Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY (FL)

Well Fargo agent on the phone when I called to voluntary repossessed my car they said that the car will be towed and will send me a letter to pay back payments if I want the car back .I did not received communication from them till the day when I got a letter stating that the car was sold at auction for {$3000.00}, the car was worth on XXXX XXXX XXXX and I was owing them XXXX They lied to me telling me that I will get the car back if I want to just paying back payments for 4-5 months XXXX month After looking at the market and saw that the car was sold for {$3000.00} I knew it that Wells Fargo lied to me I do have another vehicle from them worth {$15.00} XXXX where I pay for my last 2 years Wells Fargo deceive me telling me that repossessed vehicle can be bought back paying the Due Amount of {$2000.00} I did not receive any letter from them Wells Fargo own me the GAP insurance where I paid it because I lost my job in that period of repossession Please investigate and let me know Thank you
Consumer complaint received 2022-05-30
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. (NC)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (NC)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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. (IL)

I sent a letter XX/XX/22 also XX/XX/22 asking XXXX, TransUnion, and XXXX to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (IN)

I have been disputing accounts on my credit report for over 90 days and XXXX, Experian and XXXX have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.
Consumer complaint received 2019-08-01
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. (NY)

My XXXX account is showing five of my XXXX   accounts as delinquent even though I've checked with XXXX and none of my accounts are delinquent. All of my loans have been in deferment/grace period/forbearance because I was in school for the last three years. The dollar amount for each account is as follows : {$2000.00} opened on XX/XX/XXXX ; {$3400.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; and {$52000.00} opened on XX/XX/XXXX. All of this accounts are in good standing with XXXX  and they are telling me they will do an inquiry which will take 21 days until the correct report is sent to the credit bureaus. I wanted to refinance my loans but am ineligible for all private loans now because of this issue. It does not seem like it will get resolved until at least a few months and in this time I will be forced to continue to pay the high federal loan interest rates.
Consumer complaint received 2022-12-17
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: Bread Financial Holdings, Inc. (SC)

I have requested proof of validation for this account XX/XX/XXXX via writing to all credit bureaus & XX/XX/XXXX via CFPB but still have not received it. The creditor is reporting as a Charge Off on my Consumer Report but has reported to the IRS as a Write-Off. According to US Code 15 US 1681 ( e ) ( b ) and US Code 15 US 1681 S-2 ( a ) ( 1 ) ( a ), my rights as a consumer have been violated. This creditor is reporting this Income monthly on my credit report negatively yet Ive never received any information of a 1099 c documents of the write off or a validation in my investigation. Despite disputing through the credit bureaus and the CFPB has reported said creditor to the FDIC but still no response. In 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. In 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also in 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to FCRA 611 ( a ) ( 7 ), I have the right to a description of the reinvestigation procedure. The consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I also have the right to request the proof of the chain of title ownership of alleged debt youre reporting on my consumer report with a signed agreement with MY signature. 
I have been courteous by giving you a reasonable amount of time ( 30 days ) with the first 2 investigations. I am now demanding a Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request.
Consumer complaint received 2022-05-30
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. (IN)

I have been disputing accounts on my credit report for over 90 days and XXXX, XXXX and Equifax have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.
Consumer complaint received 2022-05-30
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. (MD)

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXX XXXX  acct XXXX XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

Dear Resurgent Capital Services L.P., I am writing in response to your recent communication regarding the collection account XXXX. I appreciate the information you have provided, but I must respectfully challenge the validity of this debt.

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I have the right to request validation of this debt. I am requesting that you provide me with the following : * Verification of the original creditor 's name and address.

* Verification of the original account number and any relevant dates.

* A copy of the signed agreement, contract, or other documents proving that I am responsible for this debt.

* Verification of the amount of the debt, including any fees or interest charges.

Please note that under the FDCPA 809 ( a ), you are required to provide this information within 30 days of receiving this request. Until you have provided the requested validation, I am requesting that you cease all collection activities, including reporting to credit bureaus.

Additionally, the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) stipulates that information reported to credit bureaus must be accurate and verifiable. Failure to provide the requested validation could result in inaccurate reporting, which would be a violation of the FCRA. 
I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GENTRY FINANCE CORPORATION (SD)

This company is reporting twice on my credit, starting that I had 2 loans and they are unable to provide proof to me of the second loan ; when I asked to have the credit report fixed they offered to remove the loan that is accurate, to leave the inaccurate loan reporting with a balance.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (MD)

This company has has reported wrong information on my credit file one date says XX/XX/XXXX XX/XX/XXXX this comany is no longer in good standing with the state of maryland i have attached copy md records to show this
Consumer complaint received 2017-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both XXXX and Trans Union.
XXXX responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to XXXX ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file.
Trans Union did not reply at all to my request,.