davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Dear Commonwealth Rep ; 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 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The VW CREDIT XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


VW CREDIT XXXX
Consumer complaint received 2018-11-15
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. (TX)

I have disputed this account with all three credit bureaus, and none of them have sent me the documents that they received on the collection company owning this account or any documents so I'm able to verify the account is mine. When I call over the phone they say it's verify. The company is XXXX XXXX XXXX XXXX in the amount of XXXX opened XX/XX/2016 and it's in collection. According to section 609 in FCRA they have to show me some type of documents showing the account is mine or Delete account.
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CO)

In XX/XX/2015 I had contacted XXXX XXXX XXXX in regards to XXXX medical collection. It was agreed that if the debt was paid in full it would be deleted from my credit report. I have tried contacting them with no resolution. The original debt was for {$120.00} and is paid in full and listed as closed on my credit report.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ghidotti | Berger LLP (FL)

I am being harassed by attorneys of XXXX BANKS that assumed my identity, assumed data information and allowed fictitious loans schemes using my valuations, my property and my identity theft for financial crimes. 

I reported I am victim violated by identity theft fraud of their crimes and contacted authorities regarding fraudulent misrepresentation practices regarding fictitious loans XXXX XXXX, This is the last, and only, time I will address your various filings. They are nonsensical, irrelevant to the pending foreclosure action, and are sanctionable as frivolous pleadings. If you continue this course of conduct, I will seek sanctions. 

Sincerely, XXXX XXXX, XXXX. 
Senior Litigation Attorney Email : XXXX Tel : XXXX EXT XXXX Fax : XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2022 XXXX AM To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : XXXX Bank XXXX XXXX XXXX ; Case No. : XXXX I filed affidavits detailing federal racketeering, plus affidavits for relief due to counterclaim, detailing the public corruption, I filed affidavits for relief and had no response to those affidavits.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

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  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I attached a consumer report as evidence.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (GA)

LAST REPORTED DATE XX/XX/2022, THIS COMPANY HAS YET TO STOP CALLING AND GIVING ME VALID INFORMATION THAT THIS DEBT IS MINE. I HAVE NO UNDERSTANDING OF THIS UNATHORIZED DEBT AND WHEN I ASK FOR PROPER ACCURATE VALIDATION, I GET NO RESPONSE FROM COMAPNY. COMPANY STATES I OWE THEM {$640.00} IN CREDIT CARD DEBT WHICH IS NOT ACCURATE. I WOULD LIKE TO HAVE THIS FALSE ACCUSATION OF DEBT OFF ALL THREE CREDIT REPORTS.
Consumer complaint received 2020-12-09
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. (NY)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-06-09
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. (GA)

I, consumer XXXX is being violated by Transunion and XXXX. These credit reporting agencies has added account XXXX from XXXX XXXX to my credit report. Fact, According to 15 U.S. Code 1681a ( d ) ( 2 ), a consumer report does NOT include - ( A ) any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is the first violation that was committed. You willingly and knowingly reported accounts that is solely as to transactions and experiences between I, the consumer, and the person making the report. Fact, According to the law, that is suppose to be excluded from the credit report. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ), communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I was never given an opportunity to give my consent before the initial communication. Fact, According to 15 US Code 1681a ( e ), a credit reporting agency may not include any specific factual information on my credit report record that was obtained directly from any creditor or from me, which is exactly what has happened already. They have including specific factual information on my credit report, which is a violation. Fact, According to 15 US Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion and XXXX  has violated 15 UC Code 1681a by placing a credit card on my credit report, which is suppose to be excluded.
Consumer complaint received 2020-01-30
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: CAINE & WEINER COMPANY, INC. (TX)

Although it was understated and proven fraudulent, XXXX  inquiry is STILL on my report. XXXX has not heard from me since approximately XXXX of XXXX when I specifically told them I was canceling my insurance because I felt they were overcharging me. ( I disputed this debt but am unable to see decision on my XXXX   acct and don't understand the wording next to it on my credit report ). However, they have UPDATED the account to XX/XX/XXXX, though they've NOT heard from me! XXXX SHOULD BE INVESTED BY FBI!
Consumer complaint received 2021-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (OH)

In XXXX we received a statement from our newest loan servicer Gregory Funding, LLC ( our loan has been transferred 3 times in the past year ) that our monthly payment was increasing by $ XXXX. 
I called to inquire about the increase and after waiting in their que for XXXX minutes, I was told that we have an escrow shortage of {$100.00} from our previous loan servicer XXXX XXXX XXXX. I asked why that would create a $ XXXX increase to my mortgage payments and she replied Because you dont understand escrow and your previous loan servicer was not paying your homeowners insurance to XXXX XXXX. Not true. The call then abruptly disconnected. I can assure you I did not disconnect the call. Since then I have seen numerous similar complaints on the XXXX  website about escrow and unethical behaviors by Gregory Funding. 
When you call this company there is an extensive wait time, and when you are finally able to speak to someone, they can not provide legitimate answers. I am very concerned about how this company operates. They never sent us anything in writing detailing the substantial increase to our monthly payment. 
We worked out new terms with our previous mortgage company XXXX XXXX and have been told that if the loan is sold they can not just alter the terms at will. 
We have been dragged through the mud by predatory mortgage companies in the past which is why we are in the situation we are in now. XXXX  years in our home and a mortgage XXXX times what we borrowed originally. Have never borrowed equity.
Consumer complaint received 2021-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MI)

I set up a Gemini account on XX/XX/2021 and they allowed me to deposit XXXX usd on XX/XX/2021 into my account. I sent them the proper verifying I.D they asked for. While my state I.d . was cracked up top. it still had all the information visible on it. They are denying my verification because of it and now there are not allowing me with withdrawal my money. The state of Michigan is behind on getting I.D and appts into the secretary of State due to covid still. I do not know when I can get a new one, and I do not have a passport. They should not be able to keep my money till then.
Consumer complaint received 2021-12-04
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. (FL)

I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( s ) : XXXX was unable to retrieve my credit report.
Consumer complaint received 2021-12-04
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: EQUIFAX, INC. (FL)

I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( XXXX ) : XXXX was unable to retrieve my credit report.
Consumer complaint received 2020-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I didn't authorize the XXXX transaction after capital One Bank declined the transaction on multiple occasions due to the credit limit. 

The transaction is a violation of the Fair Credit Bill Act and is a fraudulent transaction without my permission after multiple transactions were declined by Capital One Bank.
Consumer complaint received 2022-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (IL)

XXXX XXXX XXXX fraudulently sold my information to this company. This is not my debt in the first place. They keep calling all during the day harassing me this matter and I keep telling them they have the wrong guy. That still doesn't stop them from calling. I tried calling XXXX about this matter but all they have is an automated service and its pretty much impossible to reach anyone.
Consumer complaint received 2022-02-03
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-12-09
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)

Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit. 
Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information. 
thank you for your time
Consumer complaint received 2022-11-19
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. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-04
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. (IL)

I am a victim of identity theft pursuant to XXXX CFR XXXX ( h ) a fraud was committed against me using my identifying information without my authority. I have reached out to the company in regards to being a victim of identity theft and they will not help me. Therefore, I have mailed to you TransUnion everything that is required of me under federal law ; a copy of my official identity theft report with the Federal Trade Commission, a copy of my identification card for proof of identity, as well as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have given consent to ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

If TransUnion finds that there was an authorization or approval for the specific extension of credit, that authorization or approval for the specific extension of credit shall be excluded from my consumer report pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX. XXXX XXXX XXXX XXXX  ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

Failure to adhering to the federal law will be considered willful and negligent noncompliance and TransUnion will be held accountable for its violations. 

Once the account has been deleted from my consumer report, I am requesting an updated consumer report be mailed to me.
Consumer complaint received 2019-08-23
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. (GA)

I have sent out at least 2-3 letter asking the 3 credit bureaus to verify and investigate the Bankruptcy they say is accurate and has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.
Consumer complaint received 2021-12-04
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. (VA)

On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter, dated XXXX XX/XX/2021, to a XXXXyear old address that is no longer on my Equifax credit profile. THIS ADDRESS IS NOT BEING REPORTED AS CURRENT BY ANY CREDITOR. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. Equifax refuses to cease sending my personal credit file to wrong addresses, subjecting me to identity theft.
Consumer complaint received 2020-12-09
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. (CA)

This is my 15th complaint against XXXX. XXXX got paid for my student loan on XX/XX/2020. Still XXXX is NOT reporting the XX/XX/2020 payment and correct balance information to XXXX, Equifax and XXXX, as of this date of this complaint. I have talked over XXXX students and the essence is this XXXX 's patented pattern of fraud related to " Chronic Payment Misplacement ''. There are lawsuits by CFPB and attorney generals ( AGs ) of many states for XXXX " Chronic Payment Misplacement ''. I have sued XXXX  XXXX, Equifax and XXXX  in the Federal Court in the Central District of California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Case No. XXXX on XX/XX/2020 and STILL XXXX, XXXX, Equifax and XXXX  are engaged in same old thing. 

Cc. California Attorney General Office.