davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

I couldnt find a category that bests fits the situation, I have included details : The same debt is reporting on my credit report twice. 

There are two entries as detailed below. 
the original creditor is XXXX in the amount of {$300.00}. 

XXXX sold the debt to XXXX XXXX to collect. 
I did take a ding for this on my credit. 

Additionally, Diversified Consultants is now reporting on the same debt, which I took a second hit for on my credit. 

I did speak with both to ensure this is the same debt from the XXXX. 

It is my understanding that a debt collector must delete their reported collection if their collection authority has been terminated with the debt remaining unpaid.
Consumer complaint received 2021-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC (NE)

I had been looking at my options online for a personal loan but never actually applied for one. The next day I had a flood of emails and text messages from numerous companies. Target Cash Now had sent me a link to see how much I was approved for on XXXXso I clicked on it to see how much the loan would be for not knowing that it would be an actual signature to a loan ... very tricky and not fair. The amount of the loan from them was {$700.00} and the amount owed is currently {$1200.00} as of XX/XX/21 and accruing daily. I called them to explain that I did not apply for this loan and that my banking account is now froze due to fraudulent activity because two companies, including Target Cash Now were involved according to my bank manager. I did make a police report but am still awaiting word on the investigation. The fraudulent activity was the checks sent in were not legitimate. Target Cash Now never asked me any qualifying questions ... income, personal, nothing at all.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX BANK XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX. XXXX & XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$480.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-01-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CT)

In XXXX of 2012 I lost a good paying job. One that allowed me to afford a mortgage of almost {$1300.00} per. That same month I contacted CitiMortgage to make them aware of the situation ; however the first thing that said that they could not help me until I was at 90 behinds however at that point they will not take payments neither will they take patial payments. Currently they have taken over my title which I was not aware of until someone broke into my home and left a letter on my stove ; indicating they thought the property was vacant but in the meantime ; I was working with the bank month after month, sending them the paper work, the repeatingly kept asking me for. On XX/XX/XXXX I received an email from the bank confirming they received all my documents and that my foreclosure activity will cease while the account is being reviewed ; but that never happended. All the time I was working with CitiMortgage to work with me on a modification they were sending me the paper work but they never actually reviewed my request for modification which I learned today ; which Is why in 8 days I am expected to vacate. I have gone to court at least 4 times to try and have the case rescinded or reopen but the judge finally denied it after my motion to reopen., When I first went, I had no idea who would help me this late in the game ; however I did end up finding a program and when I went to court to show the judge I found a program who agreed to loan me the money to bring my loan current ; the judge denied me. I need to save my home because this is all I have. 

Suggestion requested!
Consumer complaint received 2017-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

All  XXXX  credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX   XXXX  of North America for a   XXXX     XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}
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: EQUIFAX, INC. (NV)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (DC)

Enhanced Recovery has sent collections documents to me in reference to XXXX an account that I did not have nor have did I authorize this account. When I sent a dispute letter Enhanced Recovery sent me statements from XXXX but nothing showing I have conducted business with them. I have also asked for validation of this so-called debt. Enhanced Recovery nor XXXX have an actual contract that I have actually personally signed. Pursuant to 15 U.S.C. 1692g ( 4 ) ( 5 ) A contract is not validation, since I'm the alleged owner of said debt only I can validate the debt since there is no original collector of this debt there is no one other than myself that can validate that information is accurate and valid. This third party can purchase a debt but not the personal information attached.

Pursuant to 15 U.S.C. 1692g, a statement does not prove that the debt belongs to me.

I have never physically signed a lease or contract with anyone from the original creditor office nor your agency, so I need proof of how I owe this money. Especially for an account that has been transferred to a debt collector so whether I did or did not owe any money I no longer owe money to this creditor but its still showing a balance due. A statement from the original creditor or statement from your agency is not proof of a contract nor an agreement. 
Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX  to XXXX, XXXX, and XXXX  requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I contacted XXXX and XXXX XXXX on XX/XX/2023. It took me four phone calls to reach a representative. Once I reached a representative I was hold for 10 minutes. I provided all my information to identify myself for the phone call and was provided unprofessional treatment on the phone call. I was told in previous phone calls with an attorney XXXX and the representative on the phone that the case on this debt would be dismissed 3-4 business days after the XXXX XXXX payment of {$1000.00} as agreed in payment plan. The letter of dismissal was sent via US mail on Tuesday, XX/XX/2023 and XXXX and XXXX is claiming they sent a letter of dismissal to XXXX XXXXXXXX on Wednesday, XX/XX/2023. When I asked for an update today I was provided rude and dismissive treatment. I was then placed on hold and told that we sent the letter of dismissal to XXXX XXXX in the mail and through a fax but that " we are still awaiting the judges signature. '' XXXX and XXXX XXXX is retaliating against me and not having this case dismissed in an expedient manner because of my previous complaints with the CFPB against Bank of America and XXXX and XXXX XXXX. When I stated that we are on a recorded line and that I have filed complaints with the CFPB and will file a further complaint with the CFPB, the representative said " do you have anything else to discuss? '' and promptly hung up on me.
Consumer complaint received 2021-06-11
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: CBC Companies, Inc. (WA)

Factual data XXXXXXXX in Colorado ran my report on all bureaus without my permission. This needs to be cleared from my history and they need to be put out of business.
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This Items been removed months ago Transunion re added the same 3 XXXX XXXX back to my TransUnion credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX, XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CO)

XXXX  XXXX XXXX XXXX account was discharged under Bankruptcy in XXXX. XXXX continued to bill for service despite notification of termination of contract or service. Services were not used from date of notification through and beyond date of discharge. However XXXX XXXX continued to bill for services not used and not wanted incurred prior to discharge and past date of discharge. They subsequently sent balance to collections. Initial collection agency was notified of the Bankruptcy and discussed the service billing periods and the collection was abandoned in XXXX. 
Four years later ( as XXXX was in process of acquiring XXXX and needed collections on the books ) beginning XX/XX/XXXX I received collection notice for the same discharged debt not only under the Bankruptcy but also under the initial collection agency. My complaint is against XXXX for continuing to bill for services after bankruptcy and continuing to collect said debt after it was discharged. Additionally my complaint is against CONVERGENT OUTSOURCING as they continue to attempt to collect a debt that was discharged under bankruptcy in XXXX and discharged by a previous collection agency. They continue to attempt to collect a debt despite dispute through credit reporting on multiple occasions. They have been provided Bankruptcy discharge on multiple occasions. In addition they are attempting to collect a debt that was discharged by a previous collection agency and is more than 7 years old. More importantly Convergent Outsourcing continues to report the debt falsely as new debt as of XX/XX/XXXX more than 4 years after the original debt thereby falsely reporting the history of the debt. Thereby violating Fair Credit Reporting. 

Convergent Outsourcing Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX has charged me XXXX for apparently a place that Ive never seen or stayed in I have recently disputed it and sent out letter for fraud I be contacted the debt company and they have treat terrible calling me a liar and all types of names when Ive told them this is fraud and I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX  website ( I also have a complaint there as well ) as well as them having their accreditation stripped from them, I would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt.

Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card.

This is an alleged debt that has not been proven and is still reporting on my credit report. I plan on seeking monetary relief of over { {$10000.00} } for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act section 616 and 617 for non compliance and negligence and under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ). Phone records from my telephone company and letters sent from credit repair agency can be produced if need be.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc (GA)

Today XX/XX/2021 PayPal withdraw {$7900.00} from my business bank account without my authorization, leaving my account overdraft balance of - {$5400.00}. My customer used the wrong card to do his payment on XXXX XXXX who is from I receive my payments and he ask for refund with his credit card company. PayPal is charging the fees from that transaction and did the withdraw from my business account without my concern leaving with no money to work and left money on PayPal account who gets 1-2 business day to the money go to my bank account and They have a option who is suppose to transfer instant money paying a fee of course but the way dos nor work to and I have to wait 72 hours to PayPal review the transaction and maybe transfer the money to me. 
I have to hold all my crew and keep paying then per day until I have the money in my account back to start my jobs again. Until that my company XXXX XXXX XXXX XXXX will be close and putting me and a hardship situation who the only will pay for that for sure will be me because my employees will get they money, the customer who did a mistake paying with wrong card will have hes money back with full amount, PayPal will have they money and also me and my company will pay for everything mistake made for somebody else or some company. 
I will fill a Police Report against PayPal and for sure I will Law Suit for any damage they causing to me and my company.
Consumer complaint received 2022-11-01
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. (GA)

I have not received any information on how you have verified the erroneous information and alleged account attached in Exhibit XXXX Therefore, I request that you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from the affidavit attached. ) ******
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC (FL)

I had a second mortgage with XXXX XXXX of which the loan was written off. 15 years later, I am receiving threats and harassing phone calls and foreclosure notice from Specialized Loan Servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX ). I have tried communicating with them through phone and have requested written documentation that they are the party that should have been paid for the loan. Which they have not will not provide. The original loan amount was XXXX dollars and they are demanding that I pay XXXX dollars. I hired and attorney and they are not complying with anything and they are continuing to harass me without providing proof that I owe the money. I am writing this to find out if there is any way to stop the harassments and resolve the situation and to complain about the tactics that this company is using. I am scared of losing to the foreclosure threat.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I obtained my XXXX and TransUnion credit report on line. There was an U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed  me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

I have asked both reporting agencies to provided me with detail or letter confirming i am the one who filed Bankrupt and with my signature i have not been given this information as of yet. However they continue to advise that such has been " VERIFIED '' My inquiry to the U. S. Bankruptcy Courts confirmed XXXX AND TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX and experience are all not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!