davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
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. (NV)

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

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems (UT)

Midwest Recovery Systems reported to my credit on XXXX  and XXXX  XXXX XXXX stating they were a collection company that took over a XXXX  XXXX  I received from The XXXX XXXX. I paid the amount of {$590.00} XX/XX/2020. and now finding out that they have lied and reported to my credit and stolen my money. The actual account was sent to XXXX and they are now asking for the collection account from The XXXX XXXX. I have call Midwest Recovery System numerous times and all the numbers are disconnected. 
XXXX XXXX XXXXon Bank Transaction {$590.00} XX/XX/2020
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I paid a {$110.00} debt to XXXX XXXX directly instead of to the XXXX XXXX XXXX they used. 
I paid this in 2016. I still have it as a negative on my credit report. I worked really hard to get good credit, and neither company will do anything about erasing this. 
I called both XXXX XXXX and XXXX XXXX XXXX   XXXX agreed after looking at my account that I had paid it. XXXX will not remove this. 
Please help. 
Thank you.
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (CA)

I am respectfully requesting for XXXX, Equifax and XXXX to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering.

1.XXXX XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX  XXXX  account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3XXXX XXXX XXXX  XXXX  credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my ADA Disability Act under Department of Justice.I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CO)

This number XXXX has called me : Saturday : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX Sunday : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX From XXXX  around, it seems like this is a collections company that works with synchrony bank. I do have an account with them that I missed one payment on ( total account balance under {$250.00} ). My check is in the mail ( I put it in the mail on XX/XX/19 ) to pay the entire balance and late charges. This is ridiculous and uncalled for harassment for one missed payment for such a low balance.
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: De Lage Landen Finance, LLC (NV)

This will follow my previous CFPB Complaint No. XXXX regarding XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX Lease Agreement No. XXXX. In that complaint I disputed XXXX predatory 60-Day lease renewal practices which cost me an additional {$10000.00} in leasing payments after the expiration of my 24 month agreement. XXXX finally after 6 years offered me a buyout for my XXXX XXXX in the amount of {$54.00} which I remitted and it cleared XXXX bank account on XX/XX/XXXX. 

I have attached a copy of the negotiated check for {$54.00} payment. Per XXXX Quote No. XXXX, the payment was not due until XX/XX/XXXX. XXXX responded to the first CFPB complaint on XX/XX/XXXX, several days after they had received my buyout payment and falsely stated they had not received the payment. XXXX generated another invoice for the month of XX/XX/XXXX for {$230.00}. It is obvious that XXXX misrepresented the payment and accounting history of my account on purpose just to generate additional billing or to attempt to renew my lease term for another 60 days to benefit their company.
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I paid off my mortgage and SunTrust Bank issue a check to me for my escrow amount of {$2100.00} on XXXX XXXX. After several weeks I did i did not receive it and assumed it was lost so I called them on XX/XX/XXXX and asked them to cancel the check and reissue it. They advised me they had to wait 30 after issue date and to called back. I called them on Monday XX/XX/XXXX. The told me that the check had been returned to them on XX/XX/XXXX and sent it to the states unclaimed money department. I asked them why didn't they wait as they knew I was going to call. The employee told me they have a record of my XX/XX/XXXX call and my updated address but something must have happened and it was too late to cancel and reissue. i called the unclaimed department and was told it won't show on their books for months. {$2100.00} is a lot of money to me.
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2018-06-11
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. (GA)

Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXX Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit report reflects an account " XXXX XXXX '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with Transunion and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). TransUnion " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from XXXX XXXX and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account information.
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

I have been making overpayments on my loan with GM Financial in order to pay down my loan principle. GM Financial is only applying these items as credits towards my future payments essentially making my payments and interest free loan to GM Financial. I have asked multiple times to have my overpayments applied towards principle with no help or confirmation. I can not reach an in person representative and feel GM Financials practices are misleading the consumer.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file listed on my credit report
Consumer complaint received 2021-02-09
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. (CA)

Appearing on XX/XX/XXXX and Equifax is XXXX XXXX XXXX account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
XXXX  automatically says the dispute is frivolous and won't allow a dispute..XXXX breaks the law the FCRA in this regard.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (FL)

This firm is persistent with a letter in collection of a debt. My request for the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt has not been complied to.
Consumer complaint received 2018-06-10
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. (MO)

There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX )
Consumer complaint received 2016-04-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (PA)

I have a banking account with TD Bank. TDBank has a consistent pattern. If you get a statement on the XXXX of the month and you pay your bills on the XXXX, they both go in the same date and TD Bank will charge you an Overdraft Fee for EACH payment that you paid electronically. They have totaled for last month taken over {$800.00} in one month in overdraft fees. Since the beginning of the year it has been over {$2000.00}.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I have been paying ahead on my mortgage payments and the XXXX XXXX company uses my payments for principle only payments. I have asked them to correct the payments so they reflect that I am paying months ahead. I am XXXX XXXX XXXX with little time left and want to create a cushion for my wife so she doesnt have to worry about making payments for several months. I believe this XXXX XXXX mortgage company has ignored my requests and or just refusing to honor my request. They have said that I need to have authorization to pay ahead on my mortgage but it sounds really stupid that a lending institution wouldnt want to have an account payed forward. 

XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2019-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc. (CA)

I received a fradulent debt collections attempt by Creditors Collection Service , Inc. for a supposed debt owed to XXXX XXXX XXXX XXXX in the amount of {$55.00}. I have received no evidence that I am responsible for this debt, and XXXX XXXX XXXX has declined to provide any such evidence. 

I made a copayment in full at the time of my visit to XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-06-10
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. (MI)

Dear Sir, Equifax did not fix my issue According to my previous communications with Equifax, Its mentioned that my name, address, social and various identification details were verified as being accurately verified, also Equifax acknowledged various letters to me and various consumer protection bureau response to me. Equifax did not address or fix my previous complaint where as XXXX credit card and loans information missing in the credit report since XX/XX/XXXX. I also ran Equifax credit report dated XX/XX/XXXX and I did not find missing XXXX credit card and missing XXXX Auto loans, which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response, no transparency at all. XXXX also sent official letter that they correctly reported all my closed XXXX loans and Credit Card information to Equifax. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed from the credit report. Could you direct Equifax to add my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years and removing Auto Loans from credit report is a fraud and unlawful.
Consumer complaint received 2024-02-21
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)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate Nme : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX, XXXX INL XXXX, XXXX XXXX XXXX XXXXXXXXXXXX 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 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE