davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

the car company reported late payment on XXXX, 2020 for more than 30days, I paid the company more than the regular payment on that month.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credence Resource Management, LLC (CO)

Credence Resource Management LLC tried to collect payment from my father, XXXX XXXX, who is XXXX years old and doesn't take care of his financials. I am the one who takes care of all his financials, XXXX XXXX, his daughter. When he got the first of 4 calls he had asked where the they had sent the bill because we had not received one in the mail. He requested them to mail the bill to his home address and they continued to harass him. I finally called XXXX and found out they had the wrong billing address in the first place and this was why we had never received the bill the first place. They, XXXX, in turn sent the bill at that time. After three phone calls from Credence we finally got them to mail the bill as well. After receiving the bill I called them and told them I would be handling the payment as soon as possible which means in the next day or two. They harassed me to make the payment by phone that day. I am currently making that payment by phone so we can quite being harreased by such an unprofessional company.
Consumer complaint received 2019-08-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.
Consumer complaint received 2021-05-24
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. (PA)

XXXX XXXX  XXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX ( Paid in full ) {$1500.00} XXXX XXXX XXXX was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2017-12-20
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: Resurgent Capital Services L.P. (OR)

XXXX XXXX bought a debt from XXXX the original amount with XXXX was a fraction of what the collection company XXXX XXXX XXXX XXXX is harassing me for now. I had worked with XXXX to reduce the amount they had inflated and began to negotiate a better payment plan. However they double backed on me and sold the debt to XXXX XXXX who has now increased the interest and is calling me and trying to serve me a court order. My research has shown me that they are not so above board and are even in bankruptcy. 

I am willing to make a deal to pay off the original amount, but not the over {$1200.00} they are asking for now.
Consumer complaint received 2017-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial Partners (OH)

I received a phone call and voice mail on my cell phone on XXXX XXXX, XXXX at XXXX am. The caller ID number was XXXX and my phone tagged it as suspected spam. The voice mail stated that they were looking for my adult son and it had something to do with an address he lived at 2 years ago. The caller mentioned federal law and proceeding after two attempts. I did not return the call and blocked the number. XXXX XXXX at XXXX am a call came in on my cell phone with no caller ID. It was the same person asking for my son. I said that he could not be reached at this number and I hung up as I was waiting for someone to call and loop me into a conference call at work. He immediately called back. 

I do not owe any debt to this company and I should not be harassed like this over a debt that someone in my family may or may not owe.
Consumer complaint received 2022-04-03
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2021-07-13
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: AMERICAN EXPRESS COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

I frequently review my credit reports ( XXXX, XXXX, XXXX ) in XXXX, I noticed I had a collections Neg report. I had never received any Letter of Demand for Payment from anyone. As I investigated this issue, it was from my former place of residence. I didn't renew my lease for XXXX-2XXXX. So my move out date was XX/XX/2020. I cleared the apt and the location with a XXXX balance. I filed a dispute with XXXX, and within 2 days, the negative report was removed and credit score was restored. Not so lucky with the other 2 credit reporting companies. I have been in dispute with them since XXXX After their investigations, they respond with ( information reported is correct ) which is not. So XXXX XX/XX/2020, I mailed Transworld Systems Inc, a detailed letter with proof I didn't owe any money. ( bank statements covering the dates in question ). I have yet to hear from them. I am still filing disputes about this Neg credit mark. The basis for this ( Payment Due ) $ XXXX is for utilities not paid for XXXX/XX/XX/2020. The utilities are included in the monthly rent of $ XXXX. That being the case, If I hadn't paid my complete rent, Management would have notified me of partial payment and sent a letter of demand or an eviction. I paid my rent on time every time for 5 years. This is just total nonsense, that's probably why the entire staff was fired. This needs to be corrected immediately.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OR)

At XXXX, XXXX PST on XX/XX/21 a received a call from XXXX at work from a very aggressive man using aggressive language threatening to contact my family about a debt which I am positive I do not owe. I asked him not to contact me at work ever again as we can be fired for taking personal phone calls. He was XXXX with a thick XXXX accent. and told me his name is XXXX XXXX ( which we all know is not accurate ), He said he was calling for Mid-land return phone number XXXX. They added an astronomical fee to the base debt which is also predatory like. I hung up and told him to never call me at work or phone ever again. 
This company repeatedly has called my cell phone from XXXX to XXXX daily multiple times from various phone numbers. They have contacted my husband, co-workers, relatives Whom are all willing to testify. 
It was scary and unprofessional Mid-Land should not be allowed to get away with threatening people and contacting them at their place of employment. 
Something must be done to protect ourselves from ppl like this.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Chapter XXXX Bankruptcy. The Account Opened is Chapter XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Chapter XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank Target Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-01-08
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)

On XX/XX/XXXX I certified mailed a notarized FTC Identity Theft Report to Experian. Along with a copy of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Experian received it on XXXX XXXX. I called Experian on XX/XX/XXXX I was told that some of the accounts were removed and others were being disputed with the creditors because my Identity theft report did not meet Experian 's criteria. And that I needed to send in another Identity theft report along with my Drivers License, a utility bill and cover letter. When I asked what was the reason why it didn't meet their criteria I was told they couldn't tell me. Because someone else may try to just not pay a debt and file an identity theft report to get out of paying nor having it report negative on their credit file. I was given the website address to upload the documents to of experian.com/upload. I kept getting an error message for hours as I was trying to upload the new documents. So I mailed the new documents they requested overnight delivery on XX/XX/XXXX. They have received them.
Consumer complaint received 2021-05-05
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. (TX)

Equifax and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-02-05
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. (CA)

Credit bureau Trans Union has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. Trans Union has removed it 4 times however, they continue to reported again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Consumer complaint received 2018-06-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Knight Adjustment Bureau (ID)

Over the past few years we have been contacted by the collection agency Knight Adjustment Bureau about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.
Consumer complaint received 2020-09-06
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. (NY)

I don't understand why the bureau keeps telling me to send the same documentation that I have already sent to them numerous times. Once again, I am a victim of identity theft and again I have attached the FTC for XXXX XXXX XXXX XXXX, My identification and a copy of my social security card
Consumer complaint received 2019-08-09
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. (MN)

For greater than one year I have repeatedly requested that Experian remove XXXX XXXX  's reporting of three foreclosures occurring on the same property in XXXX when the debt was fully satisfied in XXXX. I have made formal written requests and have contacted both by telephone. They both indicate it is the other Company 's fault. The attached pdfs include a letter from XXXX XXXX acknowledging the error and blaming Experian. Also attached, in a dispute to XXXX XXXX, is the contact from Experian that stated that XXXX XXXX keeps verifying the information. My dispute of XX/XX/XXXX was again confirmed as accurate on XX/XX/XXXX.
Consumer complaint received 2021-05-05
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 and Experian should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I received a letter from Lakeview Loan Servicing in XX/XX/2020 that I had an escrow shortage of {$4800.00} I closed on my property XX/XX/2020, Escrow deposit was made, and all mortgage and escrow payments were made ( 1 late-by 16 days ) After numerous phone attempts was told due to a tax increase. 
I contacted the town, and told was up to date, and max increase allowed by law is 6 % ( which would be {$1000.00}, not {$4800.00} ) At this point, I sent another certified letter that I would like to pay my own taxes. 

The response I received was that they could not separate since I have a mortgage payment that was 30 days late. 

Of, course I have bank documentation of all transfers.
Consumer complaint received 2017-12-20
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. (WV)

I have filed a dispute with Equifax regarding inquiries that I did not authorize nor have any knowledge of. I contacted the creditors shown on my report and they advise me to contact the bureaus to get it removed. I attempted this multiple times with the most recent attempt being on XXXX. My confirmation number was XXXX. The inquires I disputed were as followed : XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXXk on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these inquires are made unauthorized. I have attempted to contact the creditors and get told to contact the bureau directly to have it removed. These inquires are holding me back from moving forward with my credit. I have filed as a victim of identity theft with the federal trade commission. I am attaching a copy of my credit report showing these inquires as well as my identity theft report.