davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC (IL)

Glass Mountain Capitol is trying to collect on an alleged credit card debt that is beyond the Illinois Statute of Limitations for this type of debt in violation of the Fair Debt Collection Practices Act. 

From XXXX : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. XXXX XXXX XXXX XXXXXXXXXXXX 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 

Further, I have disputed this matter with them over the phone on two occasions and I have asked them to cease from all communications with me as well. I am sending them a certified letter to that effect as well.

Glass Mountain 's account number for this alleged debt is : XXXX  I want Glass Mountain to cease all communications with me and to cease trying to collect upon an alleged credit card debt that is beyond the Statute Of Limitations in Illinois and their attempts at doing so are in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-20
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. (NY)

XXXX XXXX XXXX  is fraudulently reporting to the three credit bureaus Transunion, XXXX  and XXXX the XXXX XXXX XXXX  account is open and late.. This account has been a closed/settled account for months. Why is XXXX XXXX XXXX  reporting its open and late dated XX/XX/2020. This account has be closed and settled how can I be late on a paid/settled account. This is fraudulent and permanently damages my credit profile. It can not be late because its closed and settled. THE XXXX  XXXX MUST BE DELETED AND All Fraudulent must be REMOVED AND CORRECTED AND DOCUMENTED THAT This was an error on the XXXX  XXXX XXXX.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Just edit the way you see fit. This the mumble jumble I wrote below. 

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. XXXX   Inquiry from XX/XX/XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (IL)

I have other XXXX XXXX credit cards. I applied for onXXXX with XXXX XXXX and thought that I may qualify for a card. However, I was denied the card and the letter said that my credit score was incredibly low at XXXX, which I know is not correct at all. Additionally, XXXX XXXX improperly stated that I have too many serious derogatory items, of which I don't have any derogatory items. I don't think it is fair that a company can IMPROPERLY note or share that my credit is XXXX, inaccurate and it looks like they may have someone altogether. i can provide a credit report and it definitely doesn't show any of the aformentioned, while this company improperly shares my information.
Consumer complaint received 2020-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Incorrect addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WAY XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-09
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)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. 
This has caused me financial injury. 
This has caused me defamation of character. 
I can't get a job. 
I can't get a loan during this pandemic. 
You have hurt my ability to obtain credit.
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Assoc. XXXX XXXX - Operations Manager. Telephone Call. 
Repeated calls, rude and abusive language and behavior. Call was at a very inconvenient time will I was giving my XXXX year old mother-in law daily medication and making diner for my grandson. The call was made at XXXX on XX/XX/19.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, XXXX, XXXX, and Transunion stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (NY)

This is not a 3rd party. Please review the attached documents. These accounts are in violations of the statute of limitations and missing information. These accounts are reporting several violations. Send me every document you have pertaining to the accounts attached.
Consumer complaint received 2019-09-19
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. (FL)

My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and XXXX who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.
Consumer complaint received 2022-05-13
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. (AR)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this day over 30 days later, I have received a response yet. I feel like they are taking advantage of me because they control my report, so they can just ignore my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those inaccuracies off my credit report. They are outside the scope of their investigation period, so those items should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation of the matter due to the stress this has placed on me and my credit report.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when reviewing my credit report and found a XXXX late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2021-02-11
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. (MD)

Transunion is reporting a late payment in XXXX of 2019. After disputing this, which was never late, Transunion stated that this information was verified by XXXX XXXX. However, XXXX XXXX verified to XXXX, which is attached, that I was NEVER late on payments to this account. A copy of this report is attached. I am very concerned that Transunion is continuing to report falsified verified information which is hindering and hurting my ability to acquire credit.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MA)

I unfroze my credit to allow my local bank to run a credit check for a mortgage. In a period of less than XXXX hours someone else ran a credit inquiry for a credit card which I did not approve or apply for.
Consumer complaint received 2021-05-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (CA)

I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit report act convergence numbers have violated my rights.

15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
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
Consumer complaint received 2022-05-13
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. (MS)

In accordance with the fair credit report act XXXX numbers have violated my rights.

15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
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
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (FL)

Phoenix financial has recently put old accounts which were removed from credit report from another collected back on my account. 
I provided multiple documents and the companies verified for my visits having XXXX XXXX. The XXXX and XXXX  agreed to remove and waive the debts due to inability to pay and my having XXXX XXXX at the time. 
Not sure how they have them now but the original creditors already removed them. 
Can easily call and verify
Consumer complaint received 2022-05-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2019-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have paid off my mortgage on XX/XX/2018 for my primary residence against a US Bank home loan. 

It has been more that 18 weeks now and I have not received the Reconveyance deed from the bank. I have made numerous calls to the customer service and every time I am told that they will process it and send it in the next few days, yet nothing is received at my end. Couple of times the representative told me that my payoff had fallen through the cracks and they needed to research it.
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

This is my second attempt to find fair and just treatment at the end of my lease relationship with Nissan Motor Acceptance Corp. 
Not only have they improperly reported me late to the credit bureaus which dropped my credit score by XXXX points, but they claimed that my relationship with them was resolved when it is clearly not resolved. 
Though my lease with NMAC is now current, that company is still trying to bill me for issues that were caused by them and not me. This is, specifically, their inability to process video tolls in a timely fashion which caused the very small tolls ( under {$5.00} in every case ) to increase to over {$50.00} in every case, due to the penalties that were added to the tolls. These tolls were NEVER sent to me and were always sent to them for payment, as the registered owner of the vehicle,. In addition, they have charged me late payment fees with NO explanation. as I do not believe I incurred any late payment fees even though NMAC claims that I have paid late almost two years ago. 
How much additional proof does the CFPB need before they declare NMAC a predatory lending institution and fine them accordingly? 
If nothing else, please have NMAC send a letter of explanation to the credit bureaus so my FICO score will rebound and have them take the responsibility for the video toll penalties so that I can pay the actual tolls.
Consumer complaint received 2022-05-13
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. (CO)

In accordance with the Fair Credit Reporting act XXXX 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 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX, I am contacting you about the compromising of my social security. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. I also attached my proof of ID. Please block and remove all information from my credit report within 4 days according to section 605 of the FCRA.