davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NC)

Diversified consultant is still reporting negatively on my credit report. My Id theft reference # XXXX please assist me in getting this debt collector I do not owe to stop reporting and contacting me regarding this account. 
When I informed them included an ID theft affadavit but they are requesting again. They had 5 days to delete off my credit report and to stop all contact. 

Diversified Consultant account # XXXX
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (TX)

I have mailed letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (SC)

For the last 4 Months, my Monthly payments have went from {$780.00} to {$1200.00} this has caused a hardship and a struggle to keep up and prevent from getting behind in my payments. I have reached out to my loan servicer on several occasions only to be bullied into paying without any suggestions or help or any available solutions Although I have a signed contract with a fixed rate loan, my payments exceeded {$400.00} over my contract amount. We are currently in a pandemic were hourly salaries are impacted from week to week based on consumer buying habits. There is currently a moratorium on mortgages through the Federal Govt yet Ameris Bank has engaged in price gouging and very slow relief efforts. 
I applied for the lower tax rate of 4 % with my local county Assessor 's office which took 10 weeks to go through the review and approval process. Although my loan servicer knew an approval would mean a reduction in taxes owed I was told that I had to continue to pay the overage until they received the information and proof. 

They have received this information yet when you call them they continually have an excuse as to why my mortgage payments have not been returned to normal, They have no urgency in trying to help me except to bully you by saying you must pay the overage until the issue is resolved. {$400.00} is a large amount of money, money that can be going toward other obligations to keep those bills from going past due!
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (MI)

I 'm disputing with the CBE Group/XXXX XXXX because they are currently reporting a fraudulent account onto my credit reports XXXX XXXX and XXXX. Please assist me in getting this debt collector to stop reporting and to stop contacting me regarding this account. 
ID Theft # : XXXX. 
XXXX account number reporting : XXXX
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2018 with a balance of {$6000.00}.
Consumer complaint received 2017-10-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I noticed XXXX XXXX on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They failed to validate. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. 

I contacted the three credit reporting agencies. It was removed from XXXX because they failed to validate ... XXXX says they did validate, but they have not done so. 

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MS)

AmazonStoreCard/Synchrony bank doubled charged me and once it was brought to their attention I was told the issue would be corrected and not to make a payment until it is resolved. While I was waiting they reported a none payment to the credit bureau and my credit score decreased drastically. Made a second call about the same issue and I was told they would contact the credit bureau to let them know it was an error on their behalf. As of today they are continually charging me and the balance is increasing.
Consumer complaint received 2017-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (SC)

My bank account was robbed as well identity, The bank has another name on my account, I can not get in wrote them 5 times they ignored me, The bank refuse to allow me in they or doing overdraft over XXXX dollars, they have been stealing from me when I requested help of life lock XXXX they continue to bill me, the contract with chase bank states once my identity was stolen they would give me my money back they breach the contract, I am loosing everything, Life lock also breached there contract my case number XXXX I am XXXX with forth stage XXXX both taking advantage Life Lock is doing the same, it States that it would pay bill 2 years life lock Racketeering, I ca n't pay for my XXXX treatment they or going to stop it.
Consumer complaint received 2017-10-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

This company has been calling my phone for XXXX XXXX, my name is XXXX XXXX. I have an XXXX XXXX XXXX whom I do not communicate with. I have received calls on my phone at XXXX am, XXXX pm and have tried to reach them back to STOP the calls. This morning my phone rang again at XXXX am, it was them again. I had blocked a previous number and they used a no caller ID number. I asked the person where or how they got my number, they refused to answer the question. I am not XXXX XXXX, they asked numerous times to leave messages, it is becoming a harassment situation. These people are out of control. They have now promised to stop calling me, but I do not believe them. I asked for a supervisor and he also refused to give me any information.
Consumer complaint received 2016-10-18
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (CA)

I never received a response back concerning my disputing what this company stated for my XXXX/XXXX/2016 complaint. The company still has not removed the false items from my from my credit report. On XXXX/XXXX/2016 I responded to this company .... I do not agree with this. You can come up with XXXX pieces of paper, but until you come up with a legal document that has my original signature that I walked into a building and signed you have nothing. I did no such thing as go on a computer and borrow money from anyone Ad Astro has not contacted me via phone, because I have never spoken to anyone at this company nor have I received any mail from them. Ad Astro just reported the accounts on my credit report and that is how I found out. All XXXX of my credit reports for 3 years had initial fraud alert 's placed on them, because someone had used my identity. Not until last year did I have the fraud alerts removed from my credit reports. Ad Astro has been no help at all in trying to get this situation corrected and the items removed from my credit report. Also, e-signed documents are not documents showing my signature. If I needed to take out loans I would have walked into an office requesting XXXX. Ad Astro claims that they checked accounts information and was told that the accounts were correct in there response, ok so where is the actual documents showing that I signed for loans, there is none. Ad Astro seems to just update the XXXX and not even check to make sure that the information they report is correct. At no time have I been sent documents showing anything that this company claims to have done to correct or even look into this issue. I will not pay a debt that I did not create. Anyone can go online with my information as they did and take out a loan. I feel like this company should have validated the identity of the person that took out the loan with a photo or something more accurate, but they did n't and why have n't the loan companies contacted me if I so called owed them for a debt. And please stop lieing in your response in XXXX paragraph stating that you all remove items until the issue is resolved and then turn around in the next paragraph and say we have contacted the bureaus to place the items back on to reports when in all reality nothing was removed in the first place.
Consumer complaint received 2017-10-09
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. (TX)

XXXX XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XX/XX/XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XX/XX/XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XX/XX/XXXX. This loan was accelerated on XX/XX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (OH)

I always received my statements and notifications by e-mail. Faithfully I 'd receive my target emails every month. Then it stopped. I figured my balance was paid off since I was n't getting any more alerts or statements. Then yesterday I get a letter in the mail stating it was an attempt to collect debt. I paid my bill immediately considering I did n't even know I had a balance of any sort. But I received no notifications of payment due. Not sure if it went into my spam-it never done that before and we had the credit card for years-but even spam deletes itself after a certain time, so I could n't even be sure it went to my spam. Just know i did n't receive any alert. I am more than happy to pay the balance but not the steep {$130.00} fine. I called several times and they wo n't remove it. I am a faithful paying customer with a high credit score. They should check my history and see this is not my typical response, considering I 'd been a customer for years. Also I did n't receive any form of letters in the mail until after fifty days. If my account was overdue I should 've been alerted by mail way before this.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMW Financial Services NA, LLC (CA)

I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This dispute arises from furnisher not providing information on credit report as to whom the account was sold to. Without the furnisher reporting whom they sell accounts to, consumer are disadvantage for the following reason : any payment, settlement or agreement can not be updated through the XXXX CRA 's. 
IE consumer settles account with debt collector and sends letter from debt collector to XXXX CRA 's, the CRA 's can not honor the request to update original account because there is no information reported by original furnisher linking new owner of account. 

For the above reason, in XXXX 2016 spoke to XXXX at Transunion and I disputed XXXX XXXX ' lack of reporting as to who they sold the account to. Transunion assigned new file # XXXX. However the result of XXXX XXXX ' investigation, from that dispute, was to update the account as paid, this was also inaccurately reported. Leaving the consumer with the only resolution, a direct dispute with the Creditor. This creates a long, laborious and at times, confusing for the unsophisticated consumer to get corrections done to his or her credit report. Are they 're no standards, polices and procedures to address obvious lack of disclosure by the part of the credit furnishers? IE Furnisher reports account sold but does not disclose who sold or transferred to, Furnisher reports account paid but does report correctly. 

This dispute ends up on the door of Transunion as I could find no other way to bring this to the attention of the CFPB and the original furnisher dispute was processed through Transunion. However I always found the staff of Transunion to always be most helpful and I am not writing this as a dispute solely directed at Transunion. This dispute is broader based as it seems to occur across the board with the credit reporting agencies. 

Could you please look into this? 

Thank you in advance for your time. 

Attached credit report XXXX XXXX no disclosure who account was sold to Attached credit report results of XXXX XXXX investigations, still no disclosure of who sold to and now account updated as paid. 
Attached this letter
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Systematic National Collection, Inc. (NV)

I disputed this account with Systematic Nation Co in XX/XX/2018 when I noticed it on my credit report. I requested the company and the credit bureau to validate the debt to make sure it was legally mine. I have not received any validation of this debt since XX/XX/ 2018 yet they continue to report on my Credit Report.
Consumer complaint received 2022-09-06
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2017-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under  false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-08
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: HYUNDAI CAPITAL AMERICA (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-10-09
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: Experian Information Solutions Inc. (PA)

There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred XXXX
Consumer complaint received 2017-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called transunion and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX