davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time-consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. 

The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. 

XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.
Consumer complaint received 2021-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (CA)

I applied and was approved for a loan through XXXXpstart. Pursuant to 15 USC 1692e ( 11 ) Upstart did not communicate in the initial oral or written communication that this was an attempt to collect a debt. Nor that any information would be used in connection with collection of a debt. 

Also pursuant to 15 USC 1692g ( a ), I never received a letter to validate such debt. 

Upstart has continued to violate my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. 

On XX/XX/21 I received a notice for payment which violates my federal rights. 

In response, I sent over a debt validation letter requesting for Upstart to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 1 exhibit of violations, and an invoice for the number of violations found in each statement.
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (RI)

Hi, onXX/XX/2019 the main 3 credit bureaus received via certified mail my request asking for proof of this account a collection company has placed on my credit file, The credit bureaus have responded to me that this creditor Diversified Consultants has verified my information with them and that the account is accurate. Diversified Consultants sent me onXX/XX/19 a letter with my name, address and a debtor company name that I do not know XXXX XXXX XXXX  on a simple bill saying the original creditor is XXXX with a due bill of XXXX. I sent them a letter on XX/XX/2019that they received via certified mail asking them to send me proof that I have opened this account with them, I told them this account is not mines, I have never in my life opened any account with XXXX, I do not owe any company by the name of XXXX XXXX XXXX. This does not belong to me. They have not responded to me and continue to report this collection account to the credit bureaus inhibiting my ability to obtain credit, mortgage etc. I also sent them another letter certified on XX/XX/2019 asking for any document again and have not received any response. I would like this account deleted please from all credit bureaus. I have NEVER opened any account with sprint. NOTE : the letetr they sent me dated XX/XX/was actuallu mailed by them after XXXX XX/XX/2019 because that letetr was sent to me after they received my request for validation sent onXX/XX/2019 so i do not know what thet are trying to do sending me a letter back dated. I did not opened this account.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXXnd Equifax are erroneously reporting public record BK XXXX on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - XXXX XXXX XXXX CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V ALIDA TE ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.
Consumer complaint received 2021-05-11
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. (CA)

XXXX, Transunion, and XXXX  are erroneously reporting public record BK XXXX on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - US BKPT CT CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V XXXX XXXX ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R & B Corporation of Virginia (CA)

I found a collection on my credit report. I decided to call the collector and for my surprise this is from a telecommunication company name " XXXX ''. I explained the debt collector that XXXX communication wouldn't send me a box to ship it because it would cost more to ship it than the box was worth. I had the impression they would just credit the value of the equipment and just zero out the balance. The debt collector explained me they did credit, but it is a remaining balance for {$89.00} bucks. I told her I can pay it but due to the miss understanding I would like to request deletion from my credit report, she declined and started to fight with me due to my request. I told her I wasn't lying and since she was very intense, I requested a validation of debt but SHE DENIED TO MAIL THE VALIDATION OF DEBT, she said she won't just because. 

I believe I have rights they should respect, and I have the right to receive a validation of this debt, what if they are just lying to me?? 

Also, there is something called MINI MIRANDA RIGHTS and this debt collector just didn't disclose it. That should be enough to cancel this debt.
Consumer complaint received 2022-01-21
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. (MA)

On XX/XX/XXXX, I sent a dispute letter to Equifax about the following accounts : XXXX XXXX ( Date opened : XX/XX/XXXX. Balance {$280.00} ), XXXX ( Date opened : XX/XX/XXXX Balance : XXXX ), XXXX  Date opened : XX/XX/XXXX, Balance : Not reported ), XXXX ( Date opened : XX/XX/XXXX Balance : {$4500.00} ). It's been over 45 days since I sent dispute and they have not answer as they are required by the FCRA.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bay Area Receivables, Inc (MD)

A debt collector is trying to collect money owed from 2016, though they took over the debt from a company that went out of business and never tried to contact me about the debt. I contacted the hospital who was the originator of the debt for them to tell me they have no record of one of the bills. I paid one debt in full to the hospital directly and let the debt collector know that the other bill did not exist in their system and that I need proof of the bill before I pay. The communication turned hostile via email and the collector told me that I was pulling a " pity card '' and began signing emails as " XXXX  '' after I told the collector that they were XXXX  for the shady business practice of never reaching out for payment, having all of my contact info on file as I've already tried to reconcile my accounts with them. I have the email chain available for review if needed. The amount in question is {$580.00} and debt collector has provided no proof up to this point and the original biller has no record of the debt. This is harassment and I feel like I have no rights here. What can I do?
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

During the pandemic had reside in a shelter at XXXXXXXX XXXX XXXX XXXX and at the time my NyState ID was stolen. I did make a complaint to the shelter nothing was done.I did make an appointment to get another sent to the same address and the DMV did say I would get it within 2 weeks. I check the DMV site and they said it was mailed to the ( address above ) but I never got it in hand from shelter staff  who operated in mail department XXXX. Then when that option didnt work I had my ID sent to a friendin XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX his name XXXX XXXX and when I asked if he received it he said yes I said okay have it sent to my storage unit which was XXXX XXXX XXXX at the time when I had asked them if I could receive an important document by then it was too late so I thought they would return to sender which the post office normally does but when I asked XXXX XXXX if my storage unit XXXX XXXX XXXX located on XXXX XXXX had returned my ID to him? He said No I asked are you sure? He then stated why would I steal from you which sent off a red flag in my head but I didnt pay much attention to it because I had nowhere to stay and need my ID so I can at least get employed. I tried again I called the DMV to check if theyve received back any of my IDs that they sent out they said No! I said ok well I need another ID and this time you can resend to the same XXXX XXXX address. During my stay at the shelter I did have someone steal my XXXX debt card and my Capital one Credit card info! Ran my credit through the roof and stole my funds from my XXXX account! Not to mention my son and I SSN #, my ID, my Passports and birth certificates were stolen!
Consumer complaint received 2021-05-11
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)

I have been disputing these six accounts on my Experian since last year XXXX and nothing I mean absolutlely nothing is being done about these they are not mine they do not belong to me therefore they should not be in my credit report I have Opened a Identity theft report I have reached out ot bureaus and furnishers and they dont seem to care that I am a victim here I need these off my credit asap!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX Acct # XXXX Amt {$0.00}
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (MD)

My car loan stopped reporting in XXXX of XXXX after filing bankruptcy XXXX  XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting navy federal since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. Navy federal assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and XXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with navy federal and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.
Consumer complaint received 2021-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paradigm Assets, LLC (FL)

Debt collector is trying to collect {$1100.00} for an account that was {$500.00} max. The debt is too old to be on my account and they originally agreed to remove the debt. Now they changed the date on the account and are trying to collect more money but you cant even reach these people on the phone.
Consumer complaint received 2021-05-11
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. (GA)

I logged into Equifax.com on XX/XX/2021 to submit a dispute : confirmation ( XXXX ) and was advised that I would have a response to my dispute on XX/XX/2021. It is now XX/XX/2021 and my status is still showing as under investigation please help. This account is NOT mine and I have been trying to get this removed.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

On XX/XX/2022 at XXXX pm received a call from XXXX at Discover card pushing card services. We have asked to be taken off the list, we have blocked the phone number, but they keep getting through.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),  XXXX XXXX XXXX ( ORIG  CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX )
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

XX/XX/2017 I went to XXXX Nissan to do a trade in payoff for a new car which was a XXXX XXXX  XXXX XXXX Me and my co-sign XXXX XXXX got approved by Nissan motors acceptance corporation. We both signed paperwork for the car but not technically on the same day of the purchase. After we were told that the paperwork was cleared and spoke to a representative from Nissan motors acceptance to answer questions, everything was fine and we had to wait to receive our account number and other information through the mail. Soo the next week on XX/XX/2017 I got into a bad car accident with an off duty police officer and the car got total. The next day or couple of days after the accident, I told the dealership my situation and being that I had gap insurance and my auto insurance sent out a settlement check for the car. At the time I told the dealership, they wanted me to come in on XX/XX/2017 to come in and signed another contract for a different bank which was XXXX XXXX  and told me that the gap insurance was still going to cover the remaining balance left on the loan for the car. Also, with the new contract I noticed that they wanted to switch me as co-signer and my girlfriend as primary buyer which was kind of confusing because onnthe first contract I signed on XXXX XXXX, I was the primary buyer and my girlfriend was the co-signer. After the contract was signed, I contacted gap insurance to file a claim on the vehicle and was told that I cant file a claim on the car because the accident happened on XX/XX/2017 and I signed the contract on XX/XX/2017. In they system nothing showed up about Nissan motors acceptance which I signed on XX/XX/2017 only the XXXX XXXX contract. They told me to contact Nissan motors acceptance to get a account number to dig deeper into they system to find out the issue which I did and they told me no account exist in they system using my name and social security numbers. I contacted gap insurance back and shared the information I got from Nissan motors acceptance and they told me its nothing they can do because the contract was signed on the XXXX of XXXX and the accident occurred on XX/XX/2017. Apparently, we were lied to about the paperwork being good and basically been driving the vehicle of the lot with no loan. Now Im stuck with the XXXX XXXX  loan and I dont even have the car in my possession. Its really affecting me and I cant do anything unless this loan gets resolved and removed from my credit. This need to be fixed ASAP!
Consumer complaint received 2019-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX the account is reported by Equifax closed/charge off with balance - XX/XX/XXXX up to present..XXXX XXXX reported as closed/charge off with balance from XX/XX/XXXX to present.. XXXX XXXX reported as charge off with balance - from XXXX to XX/XX/XXXX and XXXX to XXXX XXXX XXXX XXXX charge off with balance - XX/XX/XXXX to XX/XX/XXXX ... Only Equifax unverified the accounts and it has hurt my ability to obtain credit.. Under the FCRA, unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, you must remove the accounts listed
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

During the process of qualifying for a FHA loan the mortgage company had me sign 3 disclosures. Each one had an increase and I did not authorize the increase nor the amount of the closing cost that continually went up. Our closing date was changed 3 times. This whole process cost us additional money and stress. We almost didn't close on our dream home due to the confusing and excessive applications. We were put in very uncomfortable situation financially and emotionally. I was instructed to file a complaint due to the volume of misguided events leading up to the closing. Someone please respond to my complaint. Please. We feel that this was not handled properly and we didn't receive any first time home buyer assistance as promised we qualified for. I can only upload one closing disclosure because of the size. We have a total of 3 closing disclosures with different amounts and financing rate.