davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
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 immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-05-06
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: LDF Holdings, LLC (MO)

On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX  in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX  report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX on Behalf of Radiant Cash 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. XXXX XXXX on behalf of XXXX, XXXX DBA Bridge Lending SOL 4. XXXX XXXX on behalf of XXXX XXXX, XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX Please let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, XXXX XXXX
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 my payment was taken out of my bank account in the amount of XXXX. On Bank Of America 's page it shows that this amount has been processed however it also says the exact same amount is also in a pending status. There are two separate statuses for the same payment which conflict each other. They are not releasing my credit line to the full amount to reflect payment. They have done this in the past with large payments. They will show it is cleared in one spot and then leave it in processing as well, but they DID take the money from my account. Again my available credit does NOT show they have applied the payment. Customer service was no help whatsoever. They talked down to me and kept me on hold for a long time without getting a supervisor as I had demanded.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Payment Resolution Services (FL)

On XX/XX/XXXX a medical flight was taken for our now deceased son and was covered by XXXX XXXX XXXX XXXX. XXXX  XXXX sent us the money for the full amount of the flight, and months later we gave the full amount of the check to XXXX XXXX XXXX for the flight. 
On XX/XX/XXXX, a year later, XXXX  XXXX stated that they over paid us, and now wanted us to repay {$790.00}. We appealed, but during the appeal process XXXX  XXXX kept sending us an overpayment recover letter. 
On XX/XX/XXXX PAyment Resolution Services out of XXXX, TN sent a " Refund Request '' letter stating that for that service we now were in collections for {$790.00}. 
On XX/XX/XXXX a settlement was reached for {$430.00} with Payment Resolution Services and paid, authorization code XXXX. PRS stated a XXXX balance letter would be sent, but never came. Numerous calls were made, 23 to be exact, most to Payment Recovery MAnager, XXXX XXXX. XXXX XXXX never called back or picked up the phone after 11 voice mails. 
On XX/XX/XXXX a second " Refund Request '' letter was sent for the exact same claim, with the same date, but now a PRS account number for exactly double the first amount of {$1500.00}. 
Over 51 phone calls were made between XX/XX/XXXX and XX/XX/XXXX, mostly to XXXX XXXX, and 23 voicemails were left, but no return. An agent, XXXX, stated that these letters are automatically generated, and she has no control over how they are sent to clients. She advised me that I should pay this amount. She stated she saw that my first account was closed out, but would not send me a XXXX balance letter until the second account was paid. She advised that due to COVID-19 I could not come and pick up the letter, I could not have it mailed ( no mail person in the company ), it could not be faxed, and it could not be emailed. I would have to wait for a mail person to be at the company for her to hand deliver the zero balance letter, after the second account was paid. 
XXXX  XXXX representatives have stated that I do NOT owe the second amount of {$1500.00} and they never contacted PRS to collect on this amount.
Consumer complaint received 2021-09-15
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: AmerAssist A/R Solutions, Inc. (CA)

XXXX did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. XXXX continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
Consumer complaint received 2024-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00} XXXX XXXX XXXX XXXX  Balance : {$620.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$980.00}
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (TN)

Back in the early month of XXXX XXXX  I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

I
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

We have a 1st mortgage and a 2nd mortgage ( HELOC ) with US Bank ( www.usbank.com ) secured by our primary residence in XXXX, MN. 

Our monthly P & I payment for the two mortgages was {$3200.00} before we entered Covid-19 forbearance. 

If we could refinance at today 's lower interest rates, our monthly P & I for both mortgages ( 30-year fixed ) would be less than {$1600.00}. 

I have called US Bank multiple times ( transferred to multiple departments ) offering this " refinance of the two mortgages '' as a resolution to the forbearance and am told that we can not refinance our mortgages until we are out of forbearance and caught up on payments due.
Consumer complaint received 2020-10-21
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. (FL)

Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (NC)

I had my car loan with PNC for my previous car. 
After my previous car got sold carloan had been payed full by the dealership. 
My account got closed with PNC and I got locked out from their website! 
Which is normal but they still continued to take out car payments from my personal bank account! 
It happened twice! After the first time I talked to them and they promised it wouldnt happen anymore! 
Got a refund from them but it took 10 days! 
However happened again a month later! 
After the second time they took out money I called their customer service but they tried to blame me and they said I should of had to stop the payment myself through my online account! Which is impossible because 1 ) they locked me out from my online banking since my account been closed so how I supposed to cancel anything?! 
2 ) I did talked to them on the phone after the first time and they did say it wont happen anymore! I was just simply trusted them! 
After 11 days I still dont have my money back!
Consumer complaint received 2020-10-21
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. (FL)

Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2020-10-21
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: Caliber Home Loans, Inc. (IN)

Caliber Home Loans, Inc is reporting that I have fraud on my credit agencies report and I have not reported any fraud to any agency and have stated this. I did put a freeze on all my credit agencies account to make sure no one could use my credit. I have called Caliber on 4 different occasions since XX/XX/XXXX concerning this matter. I have spoken to customer service and no one has given me any explanation on this matter, my last call was today, XX/XX/2020 and I spoke to a XXXX agency number:XXXX who informed me she needs 72 hours to research this matter. 

Caliber has removed their account from all my credit reports causing my credit rating to drop and cause harm by hurting my chances for any type of credit being approved at this time. They have refused to tell me what type of fraud and give any proof of this fraud. They have requested personal information from me that I was told by the original lender XXXX XXXX XXXXXXXX, they received from them and can request directly from them again this information.
Consumer complaint received 2021-04-26
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. (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and Transunion. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.
Consumer complaint received 2020-10-21
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance Owed : {$70000.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit,. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
Consumer complaint received 2020-09-12
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)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2017-09-08
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. (NJ)

My personal information was hacked from the Equifax system and was discovered in XXXX and we were just notified of it as of XXXX XXXX. They spent over a month knowing this information and not letting us know. It is a HUGE risk for millions of Americans including myself and I am very worried.