davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I am writing to request the removal of bankruptcy reporting from my credit reports. I have disputed this item with XXXX, Experian, and XXXX. XXXX, Experian, and XXXX responded and verified bankruptcy with third-party XXXX. I have received the Results of the Reseller Dispute from the XXXX file in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq ). As of XX/XX/XXXX, the dispute information was removed from my file at XXXX. XX/XX/XXXX XXXX dispute filed with XXXX, Experian, and XXXX but has not received a response. I have attached a dispute letters results from XXXX with my driver 's license and social security card for verification. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similarly situated class decide to pursue such action. Therefore, I request that bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.
Consumer complaint received 2019-04-24
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: Experian Information Solutions Inc. (CA)

I have an account that has been closed and done with yet it still reporting on my credit report and Experian is still showing it on my credit report and it reflects bad payments and making it hard for me to obtain a loan for my business.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (OH)

I turned in a XX/XX/XXXX XXXX ( in lease ) for a new GMC XXXX. 3 months later my credit score dropped 90+ points. The credit check showed that GM financial put the a ding on my credit for 3 months past due on my old lease/ I called GM Financial and they said my dealer still owed {$42.00} on my returned car. I asked for a statement, as I recieved no notification from GM about this. They couldn't even say what it was for. The said they would fix it and my credit report would show nothing happened. 
We are now 6 months into it and my credit report has not improved. Still no explanation. I finally spoke with the dealership owner and they could find no information on what the " past due '' balance was about. They never received any invoice other than what GM Financing sent them at closing. I have copies of the invoice and the check. 
Now the dealer has paid GM Financial the supposed {$42.00} for the unknown charge. 
This may fix the mystery outstanding balance, but I am concerned that the blip on my credit will not be removed and my credit score will not  return to its original number. 
When I ordered all three credit reports XXXX the three bad marks are the only ones in my entire credit history which I have worked hard to maintain.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

Have been trying to complete a short sale of my rental property to avoid forecloser. Had a Cash buyer XX/XX/XXXX. XXXX shellpoint Mortgage declined the offer, asking what the buyers intent was to purchase property, which was to help a friend and keep current tenants in the rental property. Shellpoint forced me to place property back on market XX/XX/XXXX sell price XXXX. Praise XXXX received offered for XXXX send contract to shellpoint who will not put a hold on foreclosure date of XX/XX/XXXX. The buyer is willing to close as soon as contract is approved. Shellpoint is refusing to work to stop the foreclosure.
Consumer complaint received 2023-01-27
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. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
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: EQUIFAX, INC. (NC)

I am in shock that I have recently been the victim of identity theft for quite some time after reviewing my report it has gone on over a year. Someone has tried getting accounts in my name and I suspect it was a former person that lived with me but I am still sorting through the evidence. Thankfully I have not yet found any accounts that were actually opened and I am notifying everyone as the instructions on the attorney website explained and attaching three forms of ID also and following all instructions. The following is the list of inquiries I copied and pasted directly from the credit report minus accounts that are mine and I applied for. Also attached is the FTC report as well. Please not on the identity theft affidavit I accidently hit South Carolina as the state and it is supposed to be North Carolina my mouse must have changed it when I scrolled down and this address matched all my ID 's. Thank you. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-27
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. (CA)

In accordance with the Fair Credit Reporting act 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 2019-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (GA)

IN RESPONSE TO CFPB : XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting You have refused to fallowed the credit reporting act 605b Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods The account and those inquired are fraud ADVANCED COLLECTION BU XXXX Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX 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 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XXXX I deposited 2 checks totaling {$900.00} into my corporate account at Bank of America. This was at the branch located at XXXX XXXX XXXX XXXX, XXXX, OR. 
I wanted to pay myself back some money that I had loaned the company, so I wrote myself a check for {$400.00} and wanted to cash it. 
I was asked by the teller if I had a personnel account at Bank of America. I told him that I did not, but was the signatory on the corporate account. He said that without having a personal bank account, that he had to charge me {$8.00} for cashing the check. I could withdraw {$400.00} cash for free, however. I said that I wrote a check in order to document my withdrawal from my corporate account. Nevertheless, he said that he would have to charge me. So I withdrew {$400.00} cash and left. 
If I write someone a check from my corporate account, that means that I want to give them some money that I'm holding at the Bank of America. The Bank of America is holding MY money. I don't care whether the person has a bank account there, I want them to have the full amount of the money I pay to them. Not everyone has a bank account, and they shouldn't have to. 

I believe that this {$8.00} fee is unfair to both my corporate account, and the person that the check was written to.
Consumer complaint received 2023-01-27
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. (NY)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX 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 2019-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled
Consumer complaint received 2019-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

On XX/XX/2019 at XXXX a male representative from a collection agency called from Hunter Warfield telling me XXXX and/or XXXX XXXX owed money from a business called XXXX XXXX XXXX. I immediately looked up the business online & saw it was apartment buildings in Connecticut. No one, including my self, in my family has ever lived in Connecticut. I told him there are 2 XXXX XXXX ( Mother & Daughter ) & 2 XXXX XXXX ( Father & Grandson ) & I asked which ones he was calling about. He could not tell me. I asked for a supervisor & a supposed supervisor named XXXX got on the line. I told him no one in my family owes whatever it is he is trying to collect. I then told him I looked up Hunter Warfield online & saw there were many complaints against his company for fraud & harassment. I also told him this is illegal & very upsetting his company telling me & my family we owed money to someone we never even heard of before. He then said something to the effect that if we are the wrong people, his is removing our telephone number from the list & he hung up on me. I am EXTREMELY concerned that this company is trying to fraud people out of their money & also EXTREMELY concerned that this may show up on my credit report. As I stated, neither I nor anyone else in my family has ever lived in Connecticut. Please help & please stop this awful company from doing this to people. 
Thank you.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address a recent entry on my credit report regarding late payments. I would like to bring to your attention certain circumstances that contributed to these late payments and kindly request their removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Sir/Mam : I`m a XXXX veteran. I`m XXXX I had a apartment fire which destroyed my apartment. XXXX XXXX move me to another apartment I tried to have my lights turn-on, but XXXX XXXX did a credit check they said I had a fraud alert. I sent equifax the information so they could identify me. They told me it would take 3 to 5 business days it`s been two weeks now they are telling me thirty days now. 


Thank, Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX, Nc XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

in XXXX i saw a debt on my report that was not mine so i call portfolio recovery and ask portfolio recovery to validate the debt I all so shared with them that I share the same name as my dad, brother, and my son and that I would follow up with a letter I have sent three certified letters to ask for validating the debt 4 months later I have got no response but they call all the time they leave no message they call my phone and my mother phone although my letter state that all communications will be by mail. thank you for looking into this matter.
Consumer complaint received 2018-09-17
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. (TX)

On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my Transunion credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize LXXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These unverified must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these unverified, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or repaired as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

This bank is crazy they treat me horible over the phone when I call customer service they tell me not to call they dont believe it is me have me go to branch for everything and whats worst is now a nasty lady calls me from their fraud department telling me that shes closing my account and the bank has decided to end their relationship with me for no reason just for calling and they said its suspicious their crazy I hate this bank and I will report them and go to court and tell the judge how they treat me are abusibe on the phone towards me and are closing all my account for no reason my credit card which I applied at the branch recently its unfair when I have done nothing illegal and have maintanined my student checking in good standing they want to do this to me and for applications when I only have XXXX credir card I dont understand these people
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

Today, XX/XX/2019 I received a letter from a company calling themselves Convergent Outsourcing Inc . The address for their business is PO Box XXXX XXXX WA XXXX OR XXXX PO Box XXXX XXXX PA XXXX They are attempting to collect {$18000.00}. As I have never had any type of account with them at all. I sent the a debt validation request. Then I started to do some online research and I find that they are indeed a scam. I believe they are attempting to perpetrate a fraud upon me and I am requesting your assistance.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was scammed into purchasing XXXX cards by someone posing as by boss. I reported it to the police and called my credit card company. They told me the incident would be covered under their fraud protection. Two months later they put the charges back on my card and they wont cover the charges because they dont consider it fraud. I dont know what else to do.
Consumer complaint received 2023-01-27
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. (FL)

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