davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

I am filing a compliant against DIVERSIFIED CONSULTANTS INC # XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that DIVERSIFIED CONSULTANTS INC ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate DIVERSIFIED CONSULTANTS INC. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it
Consumer complaint received 2019-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp (TX)

I have requested over two years ago that CAC Financial Corp provide the legal documentation of what I owe and never provided ( via postal mail ) within the 30 day time period. I was able to get XXXX to remove this, but XXXX will not. CAC Financial Corp has also never disclosed to me that I can dispute the claim.
Consumer complaint received 2019-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

On XX/XX/18 this account was obtained fraudulently on my consumer credit report in the amount of {$320.00}. As a collection and charge off .I have corresponded with this company on several occasions to delete this info for it is not mine and this account meets FCRA requirements per my attorney. this information has been taken of my XXXX report so the others should take it off XXXX and XXXX.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (NC)

I applied for a XXXX  position with XXXX XXXX in XX/XX/2018. I was deemed ineligible for employment due to a criminal charge that does not belong to me. The criminal charge is that of my twin brother. I am in XXXX XXXX and have been for the last 13 years. There are also some addresses in which have never been a place of residence for me. As of right now there is false and inaccurate information with their findings and it needs to be corrected ASAP. I also states on the report that my former name is that of my twin brother. I have never had a name change and again this information is completely false.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

XXXX  XXXX  XXXX  XXXX  XXXX, XXXX OH, XXXX XXXX who took over my mortgage from PHH Mortgage is trying to extort money from me {$360.00} for insurance coverage ( XXXX ) even though I have insurance with the same company, XXXX XXXX on the property from XXXX. I have it with the same insurance company. This is double coverage which is not needed. I provided them proof! No one answers the phone-its a recording m! 

Ever since XXXX took over they have been committing FRAUD!!!
Consumer complaint received 2018-12-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCB Credit Serivces, Inc (TX)

On XX/XX/XXXX, I let my son use my credit to purchase a vehicle. My son worked for the XXXX XXXX in XXXX, TX. In XX/XX/XXXX the XXXX XXXX start laying off people and my son was laid off. My son kept the vehicle to look for another job, but things were moving slow and after several months had passed the payments were not being paid on time. And late payment notices started coming in as more time pass. After the first week in XXXX more notices started coming in, calculation of surplus, amended calculation of surplus and then notice of plan to sell came in on XX/XX/XXXX, and the dealership took the vehicle back on that day. In the notice, the dealership said that you can get the vehicle back at any time by paying us the full amount you owe, the vehicle total was {$41000.00}. and they wanted {$39000.00}. they also said that they will sell the vehicle at a private sale. The monthly payments were {$640.00}. The dealership sold the contract to XXXX XXXX , XXXX for $ XXXXand this company sold the contract to CCB Credit Services for {$19000.00}. I am retired. I will fax info for review.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

Experian - Unable to reach a representative for months. Please help ... 
I keep trying. I needed corrections and to receive a report by download. I had fraud occur. Each time I use the phone system it will not let me reach a live Experian representative, instead the prompt indicating I am interested in a report suddenly with no warning just gives me a recording saying they have MAILED me a report - WITH NO OPTION TO SAY NO. Unbelievable. I can not receive a report by mail because there is chance of mail theft where I am. I did not receive the credit report after a month. I do not know who's hands it might have ended up in. I keep calling every number I can find on the internet and still the same Experian recordings and no amount of options get me to any person at all - NO LIVE PERSON AND THE WEBSITE WILL NOT ALLOW DOWNLOADS of report. I am in shock. The other credit bureaus like XXXX - no problem reaching at all. To add insult to injury - Experian sends me emails selling me their products but with NO WAY TO UNSUBSCRIBE to them. PLEASE HELP me contact this company! They should be legally required to respond to customers with live assistance. Are they not?
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (AL)

I received a collection notice from Franklin collections in XXXX Mississippi for an XXXX XXXX XXXX bill that I had disputed. I asked them to turn my phone off and they billed me for two more months. I agreed to pay Franklin collections {$100.00} to settle the debt, {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX and they agreed not to report it. No sooner than they got my money they reported it anyway. I held my end of the agreement but they didn't.
Consumer complaint received 2019-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

There is a {$15.00} collection listed through Plus Four, I have never heard of this company, never received anything from them, nor have done business with them nor owe {$15.00} This is a mistake listed on my credit file.

Please help Plus Four XXXX {$15.00}
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX, Capital One and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
Consumer complaint received 2019-01-07
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: EQUIFAX, INC. (VA)

My credit report from all 3 of the major reporting agencies are being pulled by XXXX XXXX XXXX. Address of the company is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, Phone Number XXXX Per my conversation with them they indicated that XXXX XXXX XXXX requested it and they are just the contracted agency and they work for XXXX. I explained to Mr. XXXX XXXX and others from XXXX XXXX XXXX that neither XXXX nor they had my permission to pull my credit report. 

I have had 4 hard inquires now and it is affecting my credit.

This is FRAUD.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See  attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
Consumer complaint received 2023-06-23
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (OH)

I am filing a compliant against Credit Corp Solutions Inc with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that Credit Corp Solutions Inc ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate Credit Corp Solutions Inc. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a dispute with Experian regarding a Collection acct ( XXXX XXXX XXXX ) on my report, that does not belong to me. Experian says the debt is mine, but has not sent me anything validating this debt.
Consumer complaint received 2018-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NATIONWIDE ACCEPTANCE LLC (AZ)

Company has called 23 times in 48 hours left 8 voicemails NOT identifying the company they are with. Most calls are back to back with in 1-4 minutes of each other. I am in able to answer calls during business hours of XXXX XXXX to XXXX XXXX MST due to my own working hours or due to my location. I have made payment arrangements with the company and will call to make payment over the phone when I am available to do so not at their convenience. This is my first late payment and this is how you are treated. Wow what a sad disappointing company. If I could refinance elsewhere I would IMMEDIATELY! DO NOT FINANCE WITH NATIONWIDE ACCEPTANCE CORP.
Consumer complaint received 2018-12-31
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. (AZ)

My personal information was compromised from the XXXX XXXX XXXX XXXX XXXX XXXX data breach that occurred on XX/XX/2018. I reviewed my Experian credit report and there are fraudulent and unauthorized credit inquiries listed on my Experian credit report that are fraudulent, unauthorized, not mine, and from the XXXX XXXX XXXX XXXX XXXX XXXX  data breach. The Following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (SC)

Loan was received back in XXXX. Yes I 'm late to pay it, but I receive 4 to 5 calls a day even at work. I have told them not to call my work because thats grounds for termination but they still call
Consumer complaint received 2018-12-31
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. (CA)

Transunion has supplied ( via XXXX ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF.

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called XXXX multiple times and they have forwarded my complaints to TransUnion. I called TransUnion multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I have a public record/judgment that appears on the following credit reporting agencies, XXXX, XXXX, XXXX and Lexis Nexis. The judgment was filed against me by XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. This information is fraudulent and the company was found guilty of the illegal business practices. 

I begin making payments, and continued to make several payments to this company because I was led to believe that I was guilty because the courts were involved. I later learned about the injunction and ruling against said company.
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (PA)

a scam was conducted. international scam IT WAS REPORTED to FTC. BB & t would not refund the scam amount -BB & t refunded overdraft fees as a courtesy however would not consider the remainder of negative account remaining. BB & t left the account in the negative to accumulate " negative balance fees '' per day. BB & t is making monies off of a fraud situation. BB & T SHOULD have refunded the monies as well as the overdraft fees INSTEAD of leaving a negative balance to accumulate " negative balance fees ''. This account contained a small amount and NO OVERDRAFT ACTIONS should have been approved. I am a XXXX of the XXXX XXXX XXXX XXXX XXXXXXXX. This type of money making issue is unacceptable. Please look into this money making issue.
Consumer complaint received 2019-01-01
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)

The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment
Consumer complaint received 2019-01-01
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 submitted a dispute to Experian to remove an outdated item from my credit report. The reason is the original delinquency occurred in XXXX. The original creditor was XXXX and the item has been successfully removed by the other credit bureaus with no problem. Experian has the capacity to look back at my credit reports from XXXX and XXXX to confirm my claim. However, Experian is allowing XXXX XXXX debt collection agency to report the original delinquency with a more recent date so it can stay on my credit report. The debt is outside the statute of recovery for the state of Georgia, which is four to six years from the last payment. My last payment to XXXX was in XXXX.