davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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)

That a fair investigation would have elicited information about events or discussions that transpired among the me ( XXXX, XXXX ),  my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX  XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of XXXX XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by XXXX XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, XXXX and TransUnion Consumer Solutions 1. Refused to investigate the reason for and meaning of the judgement of XXXX  XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that XXXX XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of XXXX XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX )
Consumer complaint received 2021-09-13
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021
Consumer complaint received 2021-07-15
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. (NJ)

I have been disputing this erroneous information for months now. Ive been told they there has been multiple investigations and accounts have been verified but all the information tied to these accounts are inaccurate, I've been patient up until this point because now these accounts are actually causing me damage.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-05-22
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. (GA)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kansas Counselors, Inc. (MO)

Kansas Counselors Inc. and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore Kansas Counselors Inc is past the statute. The account # 's are Kansas Counselors Inc # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Opportunity Financial, LLC (MO)

On XX/XX/2020 I pulled my credit report and saw that Opportunity Financial , LLC is showing a loan charged off with a past due amount for loan # XXXX. 

I wrote a letter and enclosed a check stating that if they cashed this check they would, show account paid in full, and remove account from ALL credit reporting agencies, cease all collection attempts and agree not to sell or transfer loan to an outside agency. 

I have attached my credit report dated XX/XX/2020, a copy of my check that stated the above information dated XX/XX/2020, a copy of the cancelled check dated XX/XX/2020 and a copy of my credit report dated XX/XX/2020 showing they have dishonored this contract.
Consumer complaint received 2023-06-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2024-03-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NY)

On behalf of XXXX XXXX XXXX, Radius Global Solutions ( collections agency ), LLC. has not provided a letter to my address indicating ( on paper ) that this debt has been paid, despite the fact that the debt has been satisfied. I have had conversations with three representatives, and each of them has informed me that a letter will be sent to my address via mail to demonstrate that the debt has been satisfied ; however, as of this writing, I have not received said letter.
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MA)

Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX, XXXX has since XX/XX/2020 been repeatedly harassing me, inspire of my repeated attempts to establish the fraudulent claim through both their agency and XXXX XXXX, by mail and phone to collect a fraudulent debt for {$4700.00} ( file # XXXX ). I have spoken with both them and XXXX XXXX and filed fraud complaints and spent well over 6 hours trying to resolve the issue. Most recently they have filed a report against my credit rating per their report.
Consumer complaint received 2019-05-24
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX/XXXX XXXX and XXXX/XXXX XXXX
Consumer complaint received 2018-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NC)

My vehicle was totaled, i have Gap insurance everything was reported on time to the finance co. and to my insurance co. and they are telling me that i still owe them over {$1200.00} and i was never late with my payments
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NE)

We refinanced our mortgage through Quicken Loans on or about XX/XX/XXXX ; LOAN ID # xxxxxxxxxx. Earlier in XXXX, there was a lot of weather related damage to properties in XXXX, XXXX. So, consequently ; our hazard insurance premium for our home in XXXX, XXXX, increased quite substantially. Being in our seventies and on social security, we are used to working with a meager budget. So, to stave off a large increase in our monthly mortgage payment ; we sent in a personal check in amount of {$240.00} for our escrow account to the Quicken Loans payment center ATTN : Escrow Department, at XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX. This amount would cover the increase in premium for XX/XX/XXXX ; hazard insurance premium payment ; and, the other half would pad the escrow sufficiently for XXXX and keep our monthly mortgage payment about what we have been currently paying. We sent the check and cover letter via first class mail certified with return receipt as we could ill afford to have this check lost or misplaced. Certified article # XXXX. According to U.S. Postal records, the article was received by an authorized courier XXXX XXXX - XXXX on XX/XX/XXXX ; at XXXX XXXX local time. The post office sent us back the signed return receipt article # XXXX. On XX/XX/XXXX ; we contacted XXXX XXXX at Quicken Loans to ascertain whether our check amount had been properly applied to our account. We were transferred to a XXXX XXXX in the Corporate offices who allegedly had a team, including two attorneys looking for the check. On XX/XX/XXXX ; she called us to state that they did not locate the payment/check. She further advised us to stop payment on the check ( no offer to defray our expense for that service ) and we could allow them a one time no charge EFT for the amount or we could sent a replacement check to the same payment center address above. This has us extremely upset ( against doctors ' orders ) and financially burdensome and stressful to have to under go this additional processes with some corporate mopes who we probably can not and/or should not trust to electronically get into our bank account to mess things up further for us.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I'm having a hard time paying my bill online I received 2 late fees in XX/XX/XXXXand XX/XX/XXXXwith Government shut down. When I made a dispute on XX/XX/2020 on my bill Macy 's sent my to collections for non payment after I talked about arrangements to pay my credit score decreased .I called Macy 's on XX/XX/XXXXto tell them there store closed down so I can not get into my online account disabled. no longer working to make payments online. I will like to close out this account first resolve my dispute on my bill. Late fees I'm being charge for I can not see my bill online or see any of my charges they claiming I have.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/21 I was notified by my banks fraud dept that an app called, XXXX was attempting to make a purchase at a XXXX XXXX in California for {$2800.00}. It was declined and my bank then asked me if it was me, and I replied no! At that time I also informed them that this XXXX  prepaid debit card just withdrew {$2500.00}! Along with four other small withdrawals of {$25.00}. Totaling {$2600.00}! After that I made calls to my bank, and they in turn, to me verifying it was in fact, not me. I also have texts, emails, and phone calls in real time verifying that. Problem solved right? No. Despite the obvious hack to our account and the bad work done by Visa verify and Chase bank, they refused my " claims '' because I guess the funds had already gone out. Now they ( Chase ) are re stealing back from us! Apparently this XXXX tried dozens of time before, during and after the night of XX/XX/21 to steal from our account, but were stopped. I have since closed my account with Chase because I can no longer trust them with the safety of my money after some 20 plus years of banking with them. XXXX is a scam and people need to be aware
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TX)

I have no knowledge of these accounts. I don't know who open these accounts in my name using my SSN. However, it is the hospital and or doctors ' responsibility to make sure all information is accurate and to make sure all information has been verified. I have sent out numerous debt validation letters to these companies and not one company can validate the debt they say I owe. If you can't validate the said debt it has to be removed from my credit report. Please understand the law. You may be held liable for your actions ). Please note that these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX XXXX a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors.