davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (NC)

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

XXXX5 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 instruction
Consumer complaint received 2018-10-08
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. (TX)

I filed a dispute with Experian about a account being reported by XXXX XXXX XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. Experian Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from XXXX XXXX stating I needed to contact XXXX XXXX but they are the same company according to the chamber of commerce in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between Experian and XXXX   are different also it is Reported under XXXX XXXX on Experian but tenant tracker on XXXX and XXXX this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX  XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/14 and XXXX XX/XX/14 there is no way this collection account is valid as I am in no way tied to this debt.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Cancelled online my experian account in XX/XX/XXXX, so I wouldn't be billed monthly on my checking account. I have a print out for this evidence. 

It is XX/XX/XXXX, and I am still being billed. Am not able to cancel. It has been over 4 months.
Consumer complaint received 2018-07-29
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. (MO)

CFPB, Please accept this complaint as a formal notice that Experian is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Experian received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Experian with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by Experian, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported and account status of paid as agreed. This account should have NO negative payment history and they have not corrected the inaccuracy after being informed. The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to XXXX ( attachment C ). Experian is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.
Consumer complaint received 2018-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (FL)

I signed a contract with Equitable acceptance for student loan management at the time I did not know that they were fraudulent company. In order to cancel my contract and I want me to pay an additional {$1000.00} to the nearly {$600.00} that I have already paid them. They are threatening to report me to the three credit companies and my credit score will be negatively affected. I already have a pretty bad credit score so this is not helping situation.
Consumer complaint received 2018-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

I'm not sure why this company is still reporting on my credit consider the fact that this was taken care of, and also citi bank is not reporting who they sold the debt to. 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.
Consumer complaint received 2018-07-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We received 2 attached contradicting letters from Rushmore in response to my initial CFPB Complaint Number : XXXX. First of all, both letters were dated on XX/XX/XXXX - From both XXXX, CA Office ( which attached a PDF Response Document ) and XXXX, TX which included inaccurate information which does not attest to the full truth. Here are my concerns as follows : 1. PDF Document attachment again does not outline the Fact that we are currently under a Forbearance Program through XX/XX/XXXX via XXXX XXXX Transfer to Rushmore Loan Servicing. ( Please see Attached documentation which was sent over 7 times to Rushmore and original SPOC - XXXX XXXX ). Also, your excuse about posting a note on our door is contradictory as well because we were already in a Forebearance. We were also fully aware of debt obligation based on XXXX XXXX XXXX   Forbearance information which was already sent to us and Rushmore during the Transfer, and there was no need to attach our Mortgage * & Deed information. This is another form of Retaliation because we filed a CFPB Complaint as U.S. Veterans. 

2. The 2nd Letter received was from the XXXX Office with the same date of XX/XX/XXXX which is inaccurate full of untruths. Contrary to this letter, we reached out to correspond with Rushmore on several occasions via email and phone with no response from the original SPOC - XXXX XXXX - until XX/XX/XXXX. After several attempts and a prior CFPB complaint, XXXX XXXX, finally reached out in XX/XX/XXXX and we spoke about the current Forebearance and the fact that it goes through XX/XX/XXXX. 

We also specificallly spoke about the Loan Modification application being submitted by the end of the Forbearance to roll-in the loan balance/restart loan at 30 yrs, once we submit the application with updated income. Therefore, this letter is also a form of retaliation because we filed various CFPB Complaints regarding Rushmores treatment towards U.S. Veterans and XXXX Minorities. 

Although, Rushmore reassigned the case to another SPOC, does not negate the fact that they have discriminatory practices towards XXXX Minorities and U.S. Military Veterans.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Acknowledge Debt Resolutions (CA)

On Thursday XXXX XXXX I returned a call from my missed calls. That number was XXXX. A woman answered and told me she was calling from ADR ( Acknowledged Debt Resolutions. I was told I had an outstanding credit card debt from 10 years ago with XXXX XXXX  and that I could either pay half of what i owed or that they will proceed with legal filings where i will then owe over XXXX XXXX XXXX. I was skeptical but they had my name, address, and last digits of my SS card ) Needless to say after a while i was transferred to another person who i was disconnected from. Then I called their XXXX number on their webpage and no-one answered that. 

The numbers I called or was called from are : XXXX XXXX While I am convinced this is a scam, they were very good and had information that i guess is public information about me but it still has put me on edge.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc. (FL)

On XX/XX/2020 I paid an outstanding medical bill to XXXX XXXX XXXX of {$640.00}. 
They then informed me that a collection agency had the account. I called AR Resources and informed them the bill was paid. They took my info and verified with XXXX XXXX that the bill had been paid. They told me it would take a couple weeks to update on credit report. It is still on my report as of today as outstanding. I have called and left voicemail several times in the last few months with no return call.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have initiated disputes with Equifax involving several accounts on my credit report that are 1. Not mine and 2. don't even have an agency name. There are 4 collections showing on my credit report that do not have a name or contact address. I've attached the credit report and on page 11 you will see collections for the amounts of {$64.00}, {$64.00}, {$100.00}, & {$100.00}. Also I've disputed a XXXX credit card account that is not mine and Equifax is the only bureau it is reporting on. After disputing I noticed it is still on my credit report. Nothing has been sent to me and I have not received a notice from them or credit report. My family is trying to purchase a new home and these accounts are holding us back. I've uploaded as much documentation as possible. Thank you, XXXX XXXX.
Consumer complaint received 2018-03-12
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: EQUIFAX, INC. (MI)

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX  failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have XXXX XXXX  run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and Equifax report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that XXXX XXXX is liable for a monetary fine if they fail to provide such documentation. XXXX  and Equifax are liable for the monterey fines as well for reporting unverified information.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
Consumer complaint received 2018-11-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lincoln Educational Services Corporation (MI)

I went to Lincoln Tech in XXXX, GA in XX/XX/XXXX and I received Financial Aid. I graduated from the school, then a few years later I received a letter saying that I owe the school, but I don't!! I NEVER signed any loans to pay for the tuition, it was all done by Financial Aid. My very first loan was with University XXXX XXXX in XX/XX/XXXX, not Lincoln Tech. Lincoln Tech could not provide any proof that I owe the loan. In XX/XX/XXXX, my wages were garnished by some unknown collection agency called XXXX XXXX XXXX in XXXX, MI on XXXX XXXX XXXX XXXX XXXX. and their XXXX number is # XXXX. I contacted this company to ask them to provide proof that I owe this fraudulent loan, but they couldn't provide anything! The lawyer ( XXXX Something ) even asked me if I attended Lincoln Tech and I told him I did and I graduated but I did NOT fill out a loan. The judge still garnished my wages even though this " lawyer '' and the school showed no proof. This " lawyer '' has taken {$5000.00} from me already without proof that I owe anything. This fake " loan '' is not even on my credit report. On the national loan website ( NSLDS.GOV ), this grant is described as a grant- NOT A LOAN. Please research this and investigate this manner. I've been calling US Department of Education and even they could not locate this fake " loan ''. Lincoln Tech was NO help, because they have no proof.
Consumer complaint received 2018-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I sent a dispute to XXXX stating Capital One re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from XXXX   stating that Capital One has verified the information to be accurate. This is a problem on two fronts. Capital One has re-aged the account, and XXXX   hasn't actually made an investigation themselves. XXXX sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. XXXX is not reading their own document.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MS)

I'm getting continuous calls at least 5 times a day or more from Tower loan, they are harrasing me and my grandmother with the constant calls. They call from strange numbers everyday trying to reach me and one of the  worker 's also came to my home and left a note on my door i am being harrased for a loan im struggling to pay back.
Consumer complaint received 2022-05-03
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. (NY)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 2- ( XXXXXXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 3- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 4- XXXX XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 5- ( XXXX  XXXX XXXX XXXX ) Has violated my rights
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights- 2- ( XXXXXXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 3- ( XXXX XXXX INC/ACCOUNT # XXXX ) Has violated my rights- 4- XXXX XXXX XXXX INC/ACCOUNT # XXXX ) Has violated my rights- 5- ( XXXX  XXXXACCOUNT XXXX XXXX ) Has violated my rights
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The following accounts are reporting Trunicated accounts : Alleged creditor reporting item : EXPERIAN, XXXX  XXXX XXXX   Alleged Account at issue : XXXX XXXX XXXX XXXX XXXX ), XXXX   XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), ( Original Creditor : XXXX ) ( XXXX ) Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. ALL claims, true or not, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others.Per laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to retain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

**Please in addition eradicate any, if it even exists, claims of inquiry ( s ) associated with the above indicated illegally reported derogatory information.Per CDIA definition of YOUR electronic verification process, E-OSCAR, & quote e-Oscar is a web based, METRO 2 COMPLIANT, automated system ... & quote ; and I do and will  CONTINUE to expect you to be able to PROVE just THAT in the LEAST.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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