davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about XXXX XXXX XXXX entered with Santander dated XX/XX/2015 and I extended your organization the credit for the account no. XXXX I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; Delete the account and have it updated on my report through all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-03
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. (KY)

.In accordance with the Fair Credit Reporting act XXXX Account # XXXX : 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 an account without my written instructions.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the Fair Credit Reporting 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-21
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: CURO Intermediate Holdings (AL)

I contacted credit reporting agencies beginning XX/XX/2021 via certified mail disputing this account ( as it is not mine ) then was told it was verified I requested a reinvestigation and information on how this account was verified on XX/XX/2021 to the credit reporting agencies via certified mail and was told it was verified by creditor once again. XX/XX/2021 I then wrote creditor AD Astra Recovery Service requesting that this debt be validated including application with my personal signature. I received letter from creditor stating that it has been determined that information is consistant with information provided by client. I then sent another Letter via certified mail XX/XX/2021 again disputing this information and requesting that application bearing my personal signature and once again received the same exact letter from 1st request. There was no proper investigation or reinvestigation from the Credit reporting agencies nor creditor to validate this account.
Consumer complaint received 2022-08-01
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. (CA)

The XXXX XXXX XXXX 's letter dated XX/XX/2021 does not legally justify the unauthorized charges disputed within it, XXXX XXXX Closing Account Statement, shows XXXX balance due as a credit balance due and closing account date & Experian Credit Report, which alone shows " No Data '' for the XXXX XXXX Credit Card account balance and scheduled payment, which is false data, because XXXX XXXX Credit Card with a {$1000.00} credit limit was never investigated thoroughly to receive from me a " Declaration of Fraudulent Activity '' as indicated in the above letter, by both XXXX XXXX and all Credit Reporting Agencies to the CFPB, such as Experian, XXXX, XXXX, and any others! 
XXXX XXXX never justified the need to use only the unauthorized signature or voice facts of " On XX/XX/2021, we resolved the dispute in the merchants favor and rebilled the account because the email address provided by the merchant matched the email address we have on file for XXXX XXXX. Also, the phone number provided by the merchant matched the phone number used to call our Risk Department by XXXX XXXX. Finally, the address provided by the merchant matched the address on file. ", to validate that I authorized the purchase of any products and/or services, because these charges were unauthorized by me in any legally valid manner, whatsoever!
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Apparently yesterday XX/XX/XXXX, there was two checks deposited into my account without my permission. One for {$8500.00} and the other for {$5000.00}, a total of {$13000.00}. Were in debt XXXX  due to this. Funds were moved around and sent to my XXXX  which was also used. I tried calling USAA to let them know it wasnt my husband or I. I told them when I went to the grocery store to get some food and stuff for my son my debit card declined. I usually have some money in my XXXX  so I used that in the time being. When I got into my vehicle and tried to log in to my bank app ( USAA ) it said my account was locked. When I got home I called the number it gave me and I was on hold for an hour and a half or so. I hung up in hopes I would have better luck of getting someone to answer soon. I was on hold for another 3 hrs and 48 mins. I was informed that everything was pretty much coming from my phone. That the checks were deposited from my device and in XXXX. I told them it wasnt me. They informed not much can do since they dont have much evidence from me to prove it wasnt me. My XXXX was hacked and my XXXX  too. I deleted XXXX in hopes to put a stop to the culprit from its wrongdoings. Ive tried calling XXXX  to inform them not to release the funds to them. They said they have a high volume of calls and I need to go through the app but I am having a hard time recovering the account in order to file a complaint. I recent called USAA again was told I have to wait another 3 hours. I have to call them once again in the morning and hoping I dont have to wait 6 and a half or more hours to get to the bottom of my situation. Hackers are so advanced now a days and can figure out how to make it seems my phone was being used from the same location and everything. Im the victim and my family and I are being punished for someone elses actions. I dont have access to my account nor my funds. God forbid something happens and I dont have access to my money to take care of my family and I. Were in the hole for XXXX and its completely unfair!
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

Hi I am a XXXX member of the bank USAA and I have experienced account take over fraud last week XX/XX/2022 my name is XXXX XXXX XXXX I reported it right away and took every necessary step as a member and it is now Tuesday XXXX 2022 and I have not received a email or call or text or anything about my fraud on my account and my account is Negative {$5000.00} and the fraudster wired out {$9400.00} from my account t I only had {$4500.00} in my account to start. So I have a return payment of {$5000.00} on hold and Im negative {$5000.00} currently. My taxes come out next Monday the XXXX and I have no money to my name. The fraudsters took my paycheck and my XXXX and emptied my savings and USAA has done nothing but make my account negative with return payments and overdraft fees. I havent been told even if I will be refunded what was in my account cuz I havent heard from usaa since I reported the event. I have called everyday trying to get updates about whats going on and I cant get through to a XXXX or the fraud dept or anything Ive had call backs scheduled and havent got one call. XXXXm at a loss and I dont know what to do about it. Please help. Im desperate for a resolution at this point. Im available anytime if you need anything at all from me on my end to get the ball rolling. Thank you and please help! I can provide any documentation needed or evidence!
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (AR)

Today XX/XX/2022, I received in the mail an attempt to collect a debt from Radius Global Solutions LLC in the amount off {$540.00}. This letter is the first time I've ever heard of this debt. I never applied for this " XXXX XXXX XXXX " account and have no information as to where it came from. This is the 4th identity thief issue I've faced in a six-month span. XXXX others are currently being investigated and the first one was resolved holding me not accountable. I contacted Radius Global Solutions and talked with XXXX and she entered my complaint and said they would get back with me. The reference number on the account is XXXX. 
Thank you, XXXX XXXX
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (NJ)

Had a credit alert for a collections account added to my report. Upon investigation, I contacted SAVIT COLLECTION AGENCY and they told me it was debt for a medical bill that I owed due to having no insurance. I explained 1 ) that I have never had a lapse in insurance and 2 ) that I have never received a bill. The original and subsequent debtors had the wrong address. I corrected the representative I spoke with and he sent me the bill totaling {$520.00} for XXXX XXXX XXXX XXXX XXXX ) for an initial consultation at XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX ). I called upon receipt and was told again that I did not have medical insurance at the time. Being that I spent the night in the hospital and XXXX/XXXX  paid over $ XXXX to said hospital, it is quite clear that this provider, XXXX XXXX, never submitted the claim to insurance which they are liable for. I would like the bill expunged immediately from my credit report and an explanation as to the unethical practices by which both SAVIT and XXXX XXXX XXXX practice. This is unacceptable on all fronts.
Consumer complaint received 2022-08-01
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. (CA)

The XXXX XXXX XXXX XXXX letter dated XX/XX/2021 does not legally justify the unauthorized charges disputed within it, XXXX XXXX  Closing Account Statement, shows XXXX balance due as a credit balance due and closing account date & XXXX Credit Report, which alone shows " No Data '' for the XXXX XXXX Credit Card account balance and scheduled payment, which is false data, because XXXX XXXX Credit Card with a {$1000.00} credit limit was never investigated thoroughly to receive from me a " Declaration of Fraudulent Activity '' as indicated in the above letter, by both XXXX XXXX and all Credit Reporting Agencies to the CFPB, such as XXXX, XXXX, TransUnion, and any others! 
XXXX XXXX never justified the need to use only the unauthorized signature or voice facts of " On XX/XX/2021, we resolved the dispute in the merchants favor and rebilled the account because the email address provided by the merchant matched the email address we have on file for XXXX XXXX. Also, the phone number provided by the merchant matched the phone number used to call our Risk Department by XXXX XXXX. Finally, the address provided by the merchant matched the address on file. ", to validate that I authorized the purchase of any products and/or services, because these charges were unauthorized by me in any legally valid manner, whatsoever!
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credova Holdings Inc (PA)

On the date of XXXX I tried to extend my credit to Credova they denied me for the reasons of Your credit score : XXXX Date score was reviewed : XX/XX/2021 Scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : ( XXXX ) THE DATE THAT YOU OPENED YOUR OLDEST ACCOUNT IS TOO RECENT ( XXXX ) TOO MANY BANKCARD OR REVOLVING ACCOUNTS WITH DELINQUENT OR DEROGATORY STATUS ( XXXX ) YOU HAVE TOO MANY DELINQUENT OR DEROGATORY ACCOUNTS ( XXXX ) LACK OF SUFFICIENT RELEVANT REAL ESTATE ACCOUNT INFORMATION None of these key factors are defining causes of a determination to denying me for extending my credit. I did this in good faith it was no ill will or anything so idk why I got denied. Soon as they got the credit application that should have been the end of it this is a consumer credit transaction. The transaction was me trying to extend my credit. Credit scores are not a key factor in determining if im credit worthy.

15 usc 1681m ( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

Beginning XX/XX/XXXX, I contacted Professional Debt Mediation Incorporated about a debt that was being negatively reported on my credit report. The debt was a mistake and I was given a letter from the property manager Office XXXX XXXX that stated I don't have a balance with their company and that I have a {$0.00} balance with them. The letter included the letterhead and well as a signature from the owners and contact information to contact them. I never received a response in XXXX. I once again contacted them on today XX/XX/XXXX and once again I sent in the information to them someone where I had sent in previous correspondence to them as well as the letters originally received from the property management office. Once I spoke with them to ensure they received documents I was over talked by an employee as I was trying to explain my situation. He pushy and rude and kept trying to collect an old debt that was out of the statue of limitations and has already been dropped legally from my credit report over 3 years ago.. I asked for a copy of my file that's when the manager was put on the phone. The manager then told me to email the information and documents that I have over once again to another party of their company. I feel that I have been treated unfairly because I don't owe this debt and I have provided proof numerous times providing proof that I don't owe this. This has made it difficult for me to find a place of residence for me and my daughter.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Automated message saying " any information will be used for this purpose ''. 

Message is cut off, not clear, no information is provided on who they are trying to contact, reference, account number, etc. 

The phone number they call from does not match their business number. 

Do not have any outstanding debts with Argon Collection Agency. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC (TX)

We experienced a loss of employment. We tried a loan modification, but couldnt continue making payments. In order to avoid foreclosure we enlisted an agent ( XXXX ) for short sale of the residence.
Consumer complaint received 2023-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC (MI)

I had a missed call. I googled the number and it came up as a debt collection agency. I called them so they could remove my number as I do not owe any debts. I refused to give them my name and they refused to remove my number.