davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
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 — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (IL)

XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.
Consumer complaint received 2022-12-02
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. (WA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-06-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.
Consumer complaint received 2021-06-11
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: CITIBANK, N.A. (FL)

please check the following accounts that appear in my report, which were reported without any authorization : Identity Theft DSNB MACYS Account XXXX : XXXX This is not mine. 
Identity Theft Account XXXX : XXXX This is not mine.
Consumer complaint received 2019-10-04
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2019-07-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2019 I initiated a dispute for an item on my credit report furnished by Experian. 
Experian completed their investigation on XX/XX/2019. 
on XX/XX/2019 I submitted new documentation and requested a re-investigation. Experian completed that investigation on XX/XX/2019. 
On XX/XX/2019 I requested the method of verification for the XXXX XXXX collection listed on my credit report pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Experian completed yet another reinvestigation on XX/XX/2019 but failed to provide the method of verification and are in violation of the FCRA.
Consumer complaint received 2021-06-11
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: ENCORE CAPITAL GROUP INC. (CA)

Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and the XXXX, XXXX  & XXXX  a Non-Government reporting company. 


Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.

Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX, XXXX  & XXXX  a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States 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. 

Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-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 in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX, XXXX  and XXXX  have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of {$1000.00}.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Green tree was initially my mortgage company ok? Then they sold my account to ditech. And then Ditech filed for bankruptcy protection. And so now I have Shellpointe Mortaging Service. So when I was switched in XXXX of 2020 my account was current and up to date .And so now shellpointe has an old attached balance of XXXX plus our regular payment of XXXX which we are current on and pay every month. We have reached out to XXXXhellpointe many times to no avail. We have even gone as far as sending several documents twice to them. No help Shellpointe tells us they can not dismiss this. Ditech told them we missed insurance and escrow. I did not even ask for escrow. And the insurance was current as of XX/XX/2020. So Our statement shows us continually behind and we certainly are not. And even in XX/XX/2020 we paid Ditech XXXX to catch up what they said we behind on .sent ALL the receipts to Shellpointe, no one has been able to help Us! Please help us if you can!
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forb XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-03-10
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. (IL)

The company was reporting an owed balance to the credit bureaus. The company asked me to settle the account and they would give me a letter stating that the account was settled for me to have it removed from my account. I've sent in multiple disputes to each credit bureau to have this removed and they are still falsely reporting a balance with the balance has been paid Since XXXX and it is now XXXX. Recent XXXX  updated the account with a balance when this balance should be at XXXX. Neither of the 3 credit bureaus will remove this account when they are purposely reporting false information.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

Nordstrom has allowed other people access to my account. Please review this receipt. For the Nordstrom Notes, I see XXXX, XXXX, and XXXX. These XXXX people have invaded my credit/rewards on this Nordstrom card and it's probably related to all the other complaints I have filed with you.
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld System Inc. for committing identity theft. I have never given Transworld System Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld System Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld System Inc. continues its collection efforts, I will file for litigation for actual damages caused and Transworld System Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (TX)

I submitted a fraud claim against XXXX for the amount of {$140.00} and a Navy Federal Credit Union fraud specialist responded to XXXX by crediting them back {$75.00} that was erroneously put into my account. My claim hasnt been resolved and {$140.00} is still owed but Im wondering as to how Navy Fed responded and took care of XXXX but not resolve my issue.
Consumer complaint received 2021-06-11
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. (DC)

XXXX XXXX XXXX is committing fraud and interstate illegal activity and violating federal law across state lines. XXXX XXXX XXXX IS FALSELY AND FRAUDULANTLY STAING I OWE THEM MONEY WHEN I DO NOT. XXXX XXXX XXXX ARE FALSELY AND FRAUDULENTLY STATING I OWE THEM MONEY FROM AN OLD CAR LOAN WHICH I DO NOT AND THEY CANT PROVE I DO. XXXX XXXX XXXX XXXX XXXX texas is under ACTIVE criminal investigation by a senior fraud XXXX of the district of columbia attorney general and the texas attorney general and the CFPB, the FTC, and the consumer sentinel database. XXXX XXXX XXXX IS committing interstate fraud and illegal activity and committing slander by placing false illegal information on my tri bureau credit reports of XXXX equifax and XXXX. They are ACTIVELY being sued by me for committing fraud and illegal activity and my lawyers and I are in touch with federal law enforcement in this matter. XXXX XXXX XXXX and the president and board of directors of their company will and are being actively sued personally for fraud and illegal activity. I DO NOT OWE ANY MONEY XXXX $ OR AMOUNTS TO XXXX XXXX XXXX AND THEIR CREDIT REPORTING ON MY CREDIT REPORT IS FRAUD AND ILLEGAL, VIOLATING FEDERAL AND TEXAS AND DC STATE LAW. THEY WILL BE IN PRISON SOON FOR THEIR CRIMES. I ALSO WISH TO RE-ITERATE THAT I HAVE INVOLVED THE DEPARTMENT OF JUSTICE CIVIL RIGHTS DIVISION IN THIS MATTER AND THIS COMPANY HATES AND DISCRIMINATES AND PHYSICALLY THREATENS ( BY ME NOT BEING ABLE TO procure housing due to my credit report ) OUR NATIONS WOUNDED WARRIORS AND DISCRIMNATES AGAINST XXXX VETERANS AND XXXX PERSONS, and XXXX people, ALSO A VIOLATION OF THE CIVIL RIGHTS ACT OF 1964 AND THE FAIR CREDIT REporting act. THIS COMPANY LIES AND THREATENS PHYSICALLY OUR NATIONS XXXX persons and veterans. THIS COMPANY AND ITS EVIL GOONS SNEERS WHILE THEY KEEP OUR NATIONS VETERANS HOMELESS WITH ITS LIES AND FRAUD.THERE ARE THOUSANDS OF COMPAINTS AGAINST THIS COMPANY WITH STATES ATTORNEY GENERALS OFFICES AND THE DEPARTMENT OF JUSTICE.
Consumer complaint received 2022-12-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (NJ)

In the month of XX/XX/2022 Navy federal credit union credit me {$34000.00} for an auto loan which is the wrong amount and not required amount to pay, including the amount of {$12000.00} of credit card credit Therefore demanding loan amount to be dismissed and consumer violation feees to be owed to consumer ( XXXX XXXX ).
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX is committing fraud and interstate illegal activity and violating federal law across state lines. XXXX XXXX XXXX IS FALSELY AND FRAUDULANTLY STAING I OWE THEM MONEY WHEN I DO NOT. XXXX XXXX XXXX ARE FALSELY AND FRAUDULENTLY STATING I OWE THEM MONEY FROM AN OLD CAR LOAN WHICH I DO NOT AND THEY CANT PROVE I DO. XXXX XXXX XXXX XXXX XXXX texas is under ACTIVE criminal investigation by a senior fraud investigator of the district of columbia attorney general and the texas attorney general and the CFPB, the FTC, and the consumer sentinel database. XXXX XXXX XXXX IS committing interstate fraud and illegal activity and committing slander by placing false illegal information on my XXXX XXXX XXXX XXXX XXXX experian equifax and transunion. They are ACTIVELY being sued by me for committing fraud and illegal activity and my lawyers and I are in touch with federal law enforcement in this matter. XXXX XXXX XXXX and the president and board of directors of their company will and are being actively sued personally for fraud and illegal activity. I DO NOT OWE ANY MONEY XXXX $ OR AMOUNTS TO XXXX XXXX XXXX AND THEIR CREDIT REPORTING ON MY CREDIT REPORT IS FRAUD AND ILLEGAL, VIOLATING FEDERAL AND TEXAS AND DC STATE LAW. THEY WILL BE IN PRISON SOON FOR THEIR CRIMES. I ALSO WISH TO RE-ITERATE THAT I HAVE INVOLVED THE DEPARTMENT OF JUSTICE CIVIL RIGHTS DIVISION IN THIS MATTER AND THIS COMPANY HATES AND DISCRIMINATES AND PHYSICALLY THREATENS ( BY ME NOT BEING ABLE TO procure housing due to my credit report ) OUR NATIONS WOUNDED WARRIORS AND DISCRIMNATES AGAINST XXXX VETERANS AND XXXX PERSONS, and gay people, ALSO A VIOLATION OF THE CIVIL RIGHTS ACT OF 1964 AND THE FAIR CREDIT REporting act. THIS COMPANY LIES AND THREATENS PHYSICALLY OUR NATIONS DISabled persons and veterans. THIS COMPANY AND ITS EVIL GOONS SNEERS WHILE THEY KEEP OUR NATIONS VETERANS HOMELESS WITH ITS LIES AND FRAUD.THERE ARE THOUSANDS OF COMPAINTS AGAINST THIS COMPANY WITH STATES ATTORNEY GENERALS OFFICES AND THE DEPARTMENT OF JUSTICE.
Consumer complaint received 2022-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

There has been ongoing issues and red flags when I go to the XXXX  XXXX  store. They don't update my correct phone number/information. Yesterday, they were trying to look up my purchases so I could make a return. Well, what popped up on their computer is all these purchases by other people including a XXXX XXXX XXXX. I will attach the evidence so you see some examples of the purchases ( valid one and invalid ones ) ; people are using my credit for many companies, what is going on?
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX, I noticed that my American Express credit card had fraudulent transactions made under my XXXX 's credit card. I immediately searched to see if the credit card was still in my possession but it was not, it was stolen. 
I immediately logged on to my American Express account and noticed XXXX fraudulent transactions were made XXXX XXXX XXXX CA - {$100.00} THE XXXX XXXX XXXX CA - {$11.00} As soon as I saw this, I called in to American Express, reported my credit card was stolen, and disputed these transactions as I did not make them. 

As of today, XX/XX/21, American Express has taken absolutely no action. I called in and they told me because the charges were reported while they were pending, I was expected to call in again once they stopped being pending. This was not communicated to me when I reported these charges on XXXX. 

To make matters worse, American Express stated these charges will not be credited back into my account. They will only investigate the fraud claims and I will need to wait until 30 days to hear back from. These charges are still sitting in my American Express credit card account balance even though I did not make them, and thus, still makes me liable to pay for them.