davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (GA)

I previously filed a complaint through the cfpb against this company for this and their response was Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Its been 5 days since my last communication with the company and I still have not received any documentation verifying that I own whatever debt they are trying to collect. According to 15 U.S. Code 1692g ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Congress Clearly STATES THAT YOU HAVE 5 DAYS TO SEND ALL THE INFORMATION SITED ABOVE TO ME ( PERSON ). It has been 5 days since last communication with collection agency. YOU HAVE VIOLATED THE 15 U.S. Code 1692g ( a ) by not being able to verify this debt in the time length given by congress. You have 10 Calendar days to request account deletion from all consumer reports for the account below Failure to respond satisfactorily with request for deletion of the above account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non Compliance 3. Civil liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15U.S.C 1681 violations for willful noncompliance [ 616 Civil liability for willful noncompliance [ 15U.S.C 1681n ]
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I bought my home in 2019. It was a fixer upper. It appraised for {$240000.00}, and I took out a loan for {$200000.00}. I put over {$60000.00} into the home and had it re-appraised at {$320000.00}. I submitted my appraisal and a request to remove my escrow account to my loan servicer, SP Servicing. They are denying my request because they are calculating my Loan to Value from my original loan amount ( XXXX ) vs. my current loan amount ( XXXX ) and NOT using the paid appraisal that I ordered out of my own pocket. They are trying to say that my loan is over 80 % because XXXX/XXXX is more than 80 %. It should be {$200000.00} ( current loan amount ) / {$320000.00} ( current proven appraisal ). I've been fighting with them for over a month to get this done, and all they do is give me the run around and no answers, or a denial. They are using false data to create numbers that are not accurate on my account. Also, they applied an escrow only payment to my principal balance forcing me into an escrow shortage. I had to fight them to re-apply funds correctly - and I'm still paying the escrow shortage. I've also been told by their customer service team that I can " Just pay my principal and interest only '' on my loan a not my full amount every month. This would cause me to have a monthly shortage and cause me to go into default. This is BAD information to be giving out to the general public when it's FALSE information!!
Consumer complaint received 2021-05-13
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

This started after hurricane XXXX. My insurance company evaluated the damages and sent the payment to me. I sent the check to my mortgage company to have them endorse it when possible after all paperwork was due. We needed their endorsement and sent the check in XXXX. Since then, my house has been in shambles and my contractor stopped working bc I have not received the money from the mortgage company. I have submitted every last piece of paperwork and was needed and some. Yet, whenever I call them, I get to put on hold or I am told that this isn't their problem. I was recently on the phone with them and was told that they could " do me a favor and send me 4000 '' instead of sending me my actual amount. I was shocked and disgusted after hearing this and am in a mess at the moment because they are not cooperating and I have no other means of getting in touch with them. Every time I talk to them or call them, they keep refusing to cooperate and keep putting me on hold. I needed an inspection date from them and submitted the request as soon I could, yet they have not called back and it has been XXXX weeks. They owe me around {$24000.00} that I need to repair my house. They have not contacted me and keep troubling me with this. I hope this complaint helps me reach out and help my case.
Consumer complaint received 2021-08-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have really been trying my best to do good on my own I spend so much time homeless because I could not get approved for an apartment. My baby mama put me out my life is falling and they are really not helping please help me. 

I have sent letter, called, fax and still nothing has been done about my credit I sent letters on XX/XX/21, XX/XX/21 and called and faxed many times in between and still nothing has been done to fix this misleading info on my credit.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

Hi, I was overcharged for an XXXX purchase, and XXXX responded by rectifying the difference, as a refund, on their end. my Credit Card Company is stating they can not find, and issue the credit to my account. I have already provided the notification from XXXX, in writing, showing the refund. I am unclear as to how i should proceed.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (DE)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate account which is the Police & Fire on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-01-25
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)

XXXX XXXX XXXX  Account number XXXX This account is not mine. its been removed a few rimes and keeps coming back to my credit report. I need it removed please it is not mine
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I sent them a letter so that they can verify the debt, around XX/XX/2021 A thorough breakdown of all alleged charges. 
They could not do it, I gave them 30 days to do so, and they did not send the correct verifications that I asked for. 
I then sent them another letter to verify it after almost two months On XX/XX/2021 Which should of taken a couple days because i sent it express on a monday. I told them they had 15 days to verify that the debt was mine. its been almost two months and still no removal or proof that the debt was mine. I even told them it was a violation of my consumer rights as specified under both the FDCPA and the FCRA. This was an amount for {$490.00} which I do not recall.
Consumer complaint received 2022-01-25
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. (TX)

On XX/XX/2021 a written request was sent to the following company inciting that inaccuracies on my credit report in the form of inquiries be researched and vetted for fraudulent activity. The inquiries were not made by myself and done in the case of identity theft. I've submitted several police reports and supporting documentation, and the response received from the company was invalid. I would like this issued rectified immediately.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-25
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. (MI)

Both XXXX and Transunion are reporting an item on my credit report which does not belong to me. I have brought it to their attention several times and taken every possible measure to prove the account does not belong to me and they have not made a single attempt to remove the item or assist me with the matter. The item I am referring to is listed as XXXX XXXX XXXX on my report and it claims that I owe a balance of {$7000.00}. I have never had an account with this company nor the supposed " original creditor ''. I don't recognize either of them!
Consumer complaint received 2021-08-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

on XX/XX/2021, I sent you a letter regarding inaccurate things on my credit report on but to this day more than 45 days have passed, but I still got no response from you nor the negative items were deleted. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will take legal action due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2022-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive mailed XXXX letters requesting validation and proof that I have done business with this company XXXX XXXX XXXX. They have yet to provide any documentation. It is absurd that this company put a collection account on my credit file. I found that to be odd because for XXXX the credit bureau is to report nothing but accurate information about me. So how are XXXX XXXX XXXX supplying information to the credit bureaus about me when you could not provide me with validation. 

The company XXXX XXXX XXXX XXXX did not provide the requested documentation. I had requested proof that I signed any contract with this company that bounds me to them. They sent a generic document with my address and social security, NO signed contract! I also requested documentation showing how they calculated what they say I owe. Also, Copies of signed documentation show I agreed to pay what they say I owe. What kind of business dealing have I done with them.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

This is in reference to an already CLOSED account with CFPB, case # XXXX. I am re-filing the complaint against ComenityXXXX XXXXXXXX because they continue to charge me despite of their response that they have resolved my complaint against them. 

Comenity/XXXX XXXX continued to charge me : LATE FEE, FINANCE CHARGE, MINIMUM INTEREST FEE after the case mentioned above had been resolved. 

I have attached the correspondences I made with ComenityXXXX XXXX plus the continued/non-stop charges. 

Please let me know who else I can contact to escalate this issue to be truly resolved. 

If you should need additional information, supporting evidence, please let me know. 

Thank you.
Consumer complaint received 2022-01-25
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. (DE)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate account which is the XXXX XXXX XXXX on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-01-24
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. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2022-01-24
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. (CT)

I contacted Experian on XX/XX/XXXX about the following accounts ; XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$66.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$85.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$90.00} Experian has failed to verify these fraudulent accounts on time as they are required by the FCRA.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since XX/XX/2021 I have been sending letters and calling the credit bureau TRANSUNION to request them to remove 51 inquiries and 5 collections accounts that have been fraudulently done. In XXXX they said i need to submit a police report. I went to the police department in XXXX New York and made the report and the police sent me a conformation of the report. I have sent them that report by USPS 17 times along with copies of my driver 's license, copies of my social security and a list of the inquiries and collections. I never got a response from them. First they ask me to give them the ID number for the detective that is handling the case. I did that and gave them that ID number of the detective. Then they wanted me to send them copies of the police report that is handling the case and I sent them that information. I sent them everything they requested and now they want me to send them a report with a list of all the inquiries that I want removed. But I sent them the list already because on the police report, they didn't validate that information. I called the police department again and asked them to send me a list of the inquiries. The detective XXXX told me that the report was already done that way and they have to accept it that way. I spoke with a supervisor at TRANSUNION this morning and he rudely told me that they will not validate that police report. And they are going to leave the inquiries and accounts on my credit report even though I have proved to them that they are not authorized by me.