davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX has been harrassing me and threatening to sue me for a debt that occurred in XX/XX/2009. I have asked them not to call me any more each time they call, but they keep calling me on my cell phone. This is not the first time I have had problems with them. A year ago they illegally reaged the account with the credit bureau, and threatened me with legal action, and it only stopped after I filed a complained.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credence Resource Management, LLC (MN)

I need to file a complaint On behave of XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In regarding to your response to the CFBP on XX/XX/XXXX You CRM has ceased a collection activity regarding this matter and A fraud packet will be mailed to me to be completed and returned. However I beg the differ on your behave! On Friday I received a letter from Credence dated XX/XX/XXXX stating that they had verified this debt. see attached file. all I got from this company is a list of TV Channel 's and some prices typed on plain Paper So it's clearly a lack of Communication at your office. What Info this company sent to me is not the Proper way of validating a debt Per the FDCPA. Your office have had 30 days to send me a proper debt Validation and you have failed to do so. Therefore I will Not Talked to your company any Further! If you have put anything On my credit reports about this Matter I demand it be removed ASAP. Due to the None Validation of this account! I will take legal matters to its Fullest! 
THANK YOU XXXX
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you provided is woefully deficient and fails to establish that this is a valid item.

First, you have not, by any credit means, demonstrated that I owe this alleged debt to your organization. You have failed to provide any document bearing my signature that would establish that I have indebtedness to your company. You have ask so failed to provide me with a complete statement of accounting as required by law to be considered full and complete.

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor.

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, not that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act.

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged debt to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.

To summarize, I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated.
Consumer complaint received 2018-02-22
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. (GA)

I have multiple inquiries on my TransUnion credit report that arent not mine and are unauthorized. I have reached out to TransUnion multiple times regarding this issue. They keep advising me to contact the companies that requested the inquiries. I have done so but were unsuccessful because companies cant search for inquiries especially if there is no account associated with the inquiry. The inquiries are as follows. There are 4 inquiries from XXXX XXXX, 1 inquiry from XXXX XXXX, and 3 inquiries from XXXX XXXX. Please investigate.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and XXXX have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp. (GA)

Southeast Toyota Financed repossessed a vehicle Id been paying on for about 4 years. They gave me an opportunity for redemption. Per their request I provided documentation for that purpose but have yet to receive my car back. The documents were sent via certified mail, signed for and per law theyre required to hand over possession of my vehicle and belongings. They have not done so.
Consumer complaint received 2020-08-19
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. (NY)

I check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've served a dispute to XXXX and XXXX a debt validation letter ( XXXX XXXX # XXXX ). This validation included a cease and desist on all communications regarding the alleged debt. The account should not appear on my credit report until it has been successfully validated.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX my Bank of America credit card charged me the annual fee. I had not used the card in months. I was not expecting to have a payment due because I had not used the card. 

The email address on the account was outdated and the payment notifications went unnoticed. 

I had over 10 years of history with Bank of America. I had impeccable credit above 850. I never missed a payment. 

Bank of America sent email alerts of the payment due. Then reported the missed payments to the credit bureau in XX/XX/XXXX without notifying me via mail first. 

Again I had not used the card to make a purchase and would never have intentionally missed a payment. It was an honest mistake. As a result of the reported missed payment my credit score is much lower.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

XXXX XXXX,2020 {$1500.00} and XX/XX/2020 {$230.00}. I file a dispute with my bank for unknown charge not authorized by me, they gave me a provisional credit and months later they took the money out again and my account went overdraft, i have send documents to the bank to appeal the decision since i have not authorize those transaction and its been over a month and no answer from my bank.
Consumer complaint received 2018-02-22
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: Credit Plus Inc (LA)

I pulled my credit on XXXX XXXX and saw a hard inquiry from XXXX XXXX on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. 
Also on XX/XX/XXXX Credit Plus also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.
Consumer complaint received 2020-08-19
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. (CT)

I decided to get my credit pulled for a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I saw my report I was caught off guard on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these unknown items from my 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.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, The following account was charged off as of XXXX. XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This VIOLATION falsely manipulates the statute of limitations and re-ages my Date of Last Activity. Please delete I am demanding deletion of the following account : XXXX XXXX XXXX - XXXX - delete immediately Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Delete and send me the reflected changes of my credit report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$8000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-09-10
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. (IN)

on XXXX i submitted complaint with the CFPB regarding inaccurate information on my credit report, all 3 bureaus investigated and results were deemed verified and accurate information, I'm including a XXXX ( before ) and an XXXX ( After ) credit report that clearly shows that all companies are still reporting inaccurately on my credit report which is causing major damages to my credit score. Ranging from : 1. Different account names 2. Status 3. Opened Date 4. High Balance 5. Balance 6. Count of late payments 7. Date reported 8. Amount past due 9. Condition 10. Creditor contact
Consumer complaint received 2019-05-18
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: CREDIT ACCEPTANCE CORPORATION (PA)

on XX/XX/2019 sent letter to Credit Acceptance requesting information regarding the sale of vehicle after repossession. Company failed to comply with FCRA 1977 rule regarding reporting and sale.
Consumer complaint received 2018-02-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MD)

Regarding past complaint XXXX IC Systems in that complaint acknowledged they have no lawful claim of collection and stated they would cease and desist all contact and all claims of collection, as they are unable to validate any claims. IC Systems has instead opened a credit account against the complainant in an attempt to damage complainants credit for a debt which they are not owned. IC Systems has has no agreement to future services, the debt in question is past the lawful statute of limitations having claimed origination in XX/XX/2017, and IC Systems has already conceded that even during that time they had no lawful claim for collection.
Consumer complaint received 2022-09-10
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: Phoenix Financial Services LLC (FL)

File a dispute with XXXX which DID NOT investigate this and left it unchanged. This account is the result of identity theft and XXXX is refusing to correct it. Phoenix Financial deleted it from other credit bureaus. 
I initiated the dispute on XX/XX/XXXX, and by XX/XX/XXXX their " investigation '' was done. However, you can see by the dates below, which show on my credit report, that no investigation took place and the account was last updated on XX/XX/2022. 

Account info : PHOENIX FINANCIAL SERVIC Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$1.00}, 334 past due as of XX/XX/2022. 
Status updated : XX/XX/2022 Balance : {$1300.00} Balance updated : XX/XX/2022 Recent payment XXXX XXXX XXXX Monthly payment : {$0.00} Original balance : {$1300.00} Highest balance : {$0.00} XXXX Months On record until : XX/XX/2022 XXXX
Consumer complaint received 2020-04-29
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 (CA)

I am a victim of identity theft/fraud. I originally notified XXXX  on XX/XX/2019 of a Capital One account that was opened fraudulently in my name. I provided all required documentation including my Proof of Identity and social security card, FTC report and the 605B Notice to Furnishers so that the account can be BLOCKED per my rights given when notifying a furnisher that I am a victim of identity theft. Since XX/XX/XXXX, XXXX  has re-inserted this fraudulent account TWICE. The first time was on XXXX and the second time was on XXXX. On BOTH occasions I called into XXXX  and the reps I speak with LIE and COMPLETELY DISREGARD THE LAW. Today on the phone the XXXX  rep had the nerve to tell me that in lieu of my call she sent a notice to Capital One informing them of my dispute ( even though I have written them twice and never received a response ). 
I told her that is NOT a solution and asked her to confirm she will be BLOCKING the account, and at that time she said they could not remove the account until they hear back from Capital One. 
She could not confirm that Capital One provided the appropriate documentation to support their request to rescind/re-report the fraudulent account. This documentation is all what is clearly stated to be required under FCRA 605B. 
Specifically, the CRA can only reinsert information blocked as a result of an identity theft affidavit if one or more of the conditions set forth under FCRA 605B ( c ) ( 1 ) are present.

Notice of the rescission of a block is then required to be provided to the consumer in the same manner as is required when information that was previously deleted from a consumer 's credit report after a prior dispute is reinserted, using the notice requirement set forth under FCRA 611 ( a ) ( 5 ) ( B ).
When I asked the experian rep to confirm that she could in fact see that I submitted all of MY required documentation back in XXXX of XXXX   and that they have already blocked and reinserted this account once before and here we are AGAIN. She CONFIRMED that she saw the FTC report and when I followed up asking her to confirm WHAT EXACTLY WERE THEY PROVIDED BY CAPITAL ONE THAT WOULD LEAD THEM INTO THEIR DECISION TO RESCIND THE BLOCKED ACCOUNT, she just stayed quiet and said NOTHING!! She then transferred me to her boss XXXX and I got nothing but his voicemail. I am sick and tired of Experian breaking the law. If they do not fix this mess and BLOCK this account ONCE AND FOR ALL I WILL FILE SUIT AGAINST THEM and seek all damages available to me by law.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PARSON BISHOP SERVICES, INC (CA)

I have lived in the House XXXX XXXX XXXX XXXX House from XXXX Fall to Spring XXXX for my fist year at the University XXXX XXXX. The XXXX is attempting to charge me almost {$2800.00} USD for unknown reasons and they kept my deposit that was about {$570.00} USD. 
When I contacted them for proof of the the charge via email, they sent me false invoices that clearly looked made up or sent a screenshot of cart. I can provide these emails to you or forward the emails. I have tried to dispute this charge many times with the XXXX but they sent me to collections and I have no money to pay a debt I do not owe of almost {$280.00}. I am not the only one in this situation, about 50 other guys that were in the XXXX were charged either the same amount as me or almost {$1000.00XXXX XXXX  We have a XXXX group and all of the guys have sent a picture of the invoice from the collection. 
The only way the collection agency was able to get my personal information was because I signed a lease for another year which would have been Fall XXXX to Spring XXXX but did not end up happening and got terminated. I also have a official document signed that I am not affiliated with XXXX XXXX XXXX and have no responsibilities with them since they tried charging me for a ridiculous amount of money. I am also a student going to California XXXX XXXX Pursuing a degree in XXXX XXXX and working full-time, in my history of credit and monthly payments have always been on good standing. I attempted to dispute this charge on XXXX but they were not able to get rid of this charge.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXXXXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

The home is part of an Estate the homeowner passed away.The family did go to Surrogate Court. 

We have submitted the documents to Ocwen Loan Servicing they refuse to talk to us or help us. 

We want to save the homes.This home has a sale date for XX/XX/2018 and we have no idea when it started no was served any of the documents or notices concerning a foreclosure sale. 

Ocwen refuse to speak to us in spite of the fact that we have sent proof to Ocwen from the Surrogate 's Court.

Please help us.