davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (TN)

hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found XXXX  months of a credit card statement from XXXX XXXX that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. 
for a XXXX XXXX account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. 
They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. 
The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. 

I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX
Consumer complaint received 2024-11-09
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. (PA)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (OH)

I first contacted Aidvantage on XX/XX/XXXX about a refund on the student loan payments I have made over the course of the pandemic. I am requesting a refund of {$6100.00}, for which the amount has been confirmed via Aidvantage emails and calling again in early XXXX, but there have been no balance updates on my student loans online.
Consumer complaint received 2020-07-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC (FL)

XX/XX/XXXX customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay
Consumer complaint received 2020-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (MT)

On XX/XX/2020 I took out a pay day loan with blue trust loans, however I did not know the annual interest rate was 637.77 %!!!!! Basically they are taking out {$180.00} weekly which know I have I have paid about {$1600.00} and by the time it is done I will have paid {$6600.00}!!! How is this even legal??? Ive made {$1600.00} in payment and the balance has not budged! I feel I was taken advantage of by Blue Trust loans ( aka hummingbird ) ... I was financially vulnerable at that time in my life and I was desperate for money and was not not notified on the phone about these outrageous interest or finance charges. Needles to say Im very upset and now Im an even worse situation then before!
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX had engaged in a lawsuit against FRAUDULANT COMPANY XXXX XXXX in XX/XX/XXXX- ( claiming their banks practices were hurting their sales ). Portfolio recovery associate LLC ( XXXX ) Rewarded vs. XXXX XXXX, Portfolio Recovery Associate, claiming owner of the crediting care the changed converting credit card into a Fraudulent obsolete XXXX expired credit into a New credit with activity in XXXX claiming owner created a credit card called a ( XXXX XX/XX/XXXX ). Synchronys partnership with XXXX XXXX XXXX as third partys Master Credit card debt complaints. Predatory XXXX XXXX, and XXXX XXXX claiming owning Portfolio Recovery Associate LLC Debt collector XX/XX/XXXX Order Judgement receive in the amount to pay {$8300.00} and court costs in the amount of {$410.00}, for all the above let execution issue claim to represent XXXX XXXX XXXX as third partys XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX Claim distressed Repeatedly sent Misleading debt collection letters. Extra fees and charges and card expired statute of limitations has expired. Refusing to stop calling when ask them to be on Do Not Call List. Judgement for the letter claims, overcharging XXXX Credit Management. Policy, which is different from the privacy policy of XXXX. Violate the law by making fraud and double payments. XXXX XXXX. 

The XXXX XXXX Weighted Goods Class Action Lawsuit. XXXX XXXX is not XXXX XXXX divorce from the credit card issuer XXXX XXXX, breaching their agreement for credit cards issued to XXXX shoppers, contractually defined process for valuing the loan portfolio that XXXX has serviced, failed in the most basic elements of our agreement, including its promotion of the card program both in stores and online. XX/XX/XXXX. XXXX Lost XXXX Card Deal in Battle With XXXX ... 

XXXX XXXX XXXX.
Consumer complaint received 2024-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Second time disputing this account. No documents were sent to me, about my concerns of me owing any monies, or car sales price. The company is reporting to XXXX XXXX and XXXX  that the account was closed and paid, but still shows that I missed several payments to this day. I would like to have this account moved totally from my credit file.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020 an unauthorized transaction was debited from my Sun Trust account I was at the bank in the teller drive thru when it happened i went inside the bank the manager called the fraud department filed the claim I'm at the bank. In five business days they credited my account {$500.00} while the claim was being investigated i tried on multiple occasions to provide documentation via email but the email address was wrong now to rebut i need a printer and a fax Sun Trust told me they don't believe me and that this seems to be a valid charge this is a scam but with all that i said don't pay it it was pending for 3 days they need to get my money from cash app the person that charged my debit card this is not like Sun Trust will be paying for this just get it back, this is social security XXXX money and its mine not Sun Trust they can not say we don't believe you and pay something i said don't pay
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-04-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MO)

Mr Cooper continues to ignore me and not provide me VERY simple information about my mortgage. I have not been contacted about my earlier complaint. They have now also started calling and harassing my wife. EVERY singe person I have talked to, even supervisors, has given me verifiably wrong information. 

I am trying to figure out how to stop the Covid-19 relief that I needed. I can't get proper information on how much I will even owe on a partial claim. I was told one figure by a representative when I signed up for it, then I got a number that was double when I got the paperwork. 

Weeks later, I can't get any information on where the double payment from the estimate I had even came from. I can't get correct information about how to pay off the partial claim. They are simply harassing me and giving me false information and taking advantage of me during a very hard portion of my life.
Consumer complaint received 2020-11-25
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: MRS BPO, LLC (NY)

Hello, I made an agreement to pay off a debt with XXXX with the company mrsassoc. I pay them {$500.00} every month automatically pulled out of my account on the XXXX. Its only the XXXX and XXXX all of a sudden dinged me for not paying XXXX. 1. I pay the debt collector not XXXX 2. The money automally pulled 3. It dropped my score XXXX points and Im closing on a house next month I paid off all my debt to help my credit and they just ding my account like that?! I havent missed a payment again I pay every month automatically have it taken out. Please help me ASAP
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (MO)

I AM A VICTIM OF UD THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT FRAUDULRNTLY IN MY NAME : ONE MAIN OPENED XX/XX/2019 THEY WERE MAKING PAYMENTS COMING OUT OF MY ACCOUNT UNTIL I CONTACTED THE POLICE DEPARTMENT AND SHUT DOWN MY BANK ACCOUNT.
Consumer complaint received 2023-02-02
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)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX  XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5400.00}
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NY)

I used a Barclay credit card check. 

On XXXX Barclays declined a check I wrote in the amount of XXXX to XXXX XXXX. The check was within the parameters of my credit limitations/ The check was intended to retire a debt on my wife 's XXXX XXXX account during a XXXX interest period. 

The result of the declined check has caused : A late payment charge of accrued interest of XXXX. 

I had difficulty understanding the customer service representative due to background noise and her heavily accented English. 

She did indicate there wasn't a reason for the declined check and I think opened case # XXXX. 

we have been damaged us considerably and I need Barclays to solve this problem ....
Consumer complaint received 2020-10-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (SC)

Financial Asset Management has reported this collection to my XXXX  credit report with the current balance of {$4300.00} and an original balance of {$3300.00} and original creditor being XXXX XXXX. I contacted the company months ago to request a mailed written verification of debt along with the original date the loan was opened, the loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for since this student loan is unknown to me. The representative I spoke with at the time advised me that she would mail out verification of debt along with the open date for the loan, loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for. But I have yet to receive anything in the mail and this is still being reported on my credit report as a owed collection. I am requesting either the collection agency or the original creditor provide me with mailed written factual proof that this debt is valid and owed by me. Along with providing the date the loan was opened, the loan amount, the university the loan was used at, and the enrolled school year ( s ) the loan was used for. If my requests noted above can not be met in full then I would respectfully request this debt be deleted from my credit report with all bureaus reporting it and with no future reappearance.
Consumer complaint received 2020-07-08
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)

I have multiple hard inquiries reporting on my credit report that were never authorized. I have disputed this information with TransUnion on several occasions including letters dated from : XX/XX/XXXX, XX/XX/XXXX, as well as over the phone with a representative. I have stated to TransUnion several times that there was no permissible purpose for these inquiries and yet they remain. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 US Code Section 1681b in general. Subject to subsection ( e ) any  consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I know that TransUnion is supposed to do their own investigation based off of my disputes which they have not done. Here are the inquiries that need to be removed : FACTUAL DATA Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2019 XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. s 1681I ) I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and not just tell me that they are verified. I have never received anything from TransUnion stating that this info has been verified or HOW it was verified.
Consumer complaint received 2022-07-13
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. (KS)

This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.
Consumer complaint received 2024-11-09
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. (PA)

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have a huge problem. My loan was at XXXX XXXX XXXX. The loan was in my brothers name that was deceased and his father in law. The mortgage was behind. I contacted XXXX, and I made an application for a loan modification with all the information they required, death certificate, title of home ( which is in my name ), small estates affidavit. 
For over ONE YEAR, I was receiving mortgage statements with my name on it. I have all documentation showing so. All of a sudden, my loan was sold to SPS. I was never informed of it. It appears someone changed the mailing address on my mortgage and the ownership title of this.

This is unacceptable what SPS has done. I am the only one on title of the home, and I am the one who is responsible for the payments. I need assistance. Plus the previous lender, XXXX XXXX XXXX is drafting the payments out of my checking account and not crediting my new loan at SPS. This is a nightmare.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

we have some fraudulent activity years ago, These companies said they would be deleting these accounts XXXX XXXX did their job. all clear XXXX  and XXXX  needs to remove XXXX  account XXXX XXXX  account XXXX XXXX XXXX XXXX bank of america XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request that you block and delete specific accounts from my credit report as I have recently been the victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to request the deletion of information resulting from such unauthorized access to protect my identity. 
Below is the list of items I request to be removed : Bankruptcy Record : XXXX XXXX XXXX  Case Number : XXXX Discharge Date : XX/XX/XXXX Amount : {$00.00} Inquiries : 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