davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$32.00} Medical XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} TRANSUNION : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (MS)

I had a lease with XXXX XXXX XXXX in XXXX, Mississippi. I left the apartment due to the amount of mold that was present. I reported the problem to management many times but never received a response as to when it would be repaired. The ceiling fell completely down in one bathroom. Due to health issues I had to leave the apartment quickly and left some items behind. The debt collector and the owner of the apartment claims that I owe XXXX dollars to remove the items left in the apartment. The owner and collector will not show an itemization of where the figure comes from despite speaking with them many times. The apartment was unsafe to be inhabited and I left with a month left in the lease which would be a debt of {$650.00}. They simply will not demonstrate where the other bill of XXXX comes from. The collection agency is named " The Collection Bureau of Fort Walton ''. The original creditor is XXXX XXXX XXXX.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # 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 porting agency can not furnish a account without my written Instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 than records of convictions of crimes which antedates the report by more than 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 2022-09-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AZ)

FREEDOM MORTGAGE DURING COVID GAVE ME THE FORBEARANCE WITH AN FHA LOAN AND SUDDENLY IT WAS CANCELLED WHICH THEY SAID WAS " OUR '' DOING WHICH WAS RIDICULOUS. WHEN I SPOKE WITH THEM THEY SAID THERE WAS NO POSSIBLE WAY TO REINSTATE THE FORBEARANCE AFTER 3 MONTHS. THEN THEY HAD PEOPLE SHOWING UP AT OUR HOME WITH LOAN MODIFICATION PAPERS AND THEN TO OUR SMALL BUSINESS. WHEN I RESEARCHED FURTHER I LEARNED I WAS " ENTITLED '' WITH AN FHA LOAN WITH THE CARES ACT TO RECEIVE THE FORBEARANCE FOR 12 MONTHS AND CALLED THEM BACK TO DISCUSS THE ISSUE. THIS TIME THE ASSOCIATE TOLD ME I WAS IN FACT ENTITLED TO THE 12 MONTH FORBEARANCE WHICH BLEW MY MIND BECAUSE THE OTHER FREEDOM MORTGAGE ASSOCIATE BASICALLY SAID SUCK IT UP AFTER RECEIVING 3 MONTHS OF FORBEARANCE TOLD US NO. OUR BUSINESS SUFFERED GREATLY DURING COVID AND WE RECEIVED ZERO HELP FROM OUR STATE DURING THE LOCKDOWN AND NOTHING AFTER THE FACT SO FORBEARANCE OUR ONLY OPTION. TODAY THEY SENT CERTIFIED LETTERS TO OUR BUSINESS THREATENING TO TAKE OUR HOME FROM WHAT I CAN GATHER BUT WILL HAVE TO CONSULT AN ATTORNEY TO SEE EXACTLY WHAT THAT CERTIFIED PAPERWORK MEANS AS IT JUST REACHED THE 1 YEAR MARK OF THE FORBEARANCE. THESE PEOPLE ARE SKETCHY AND YOU'LL RECEIVE ALL KINDS OF DIFFERENT ANSWERS FROM THEIR ASSOCIATES. I NEED ADVICE TO THIS SITUATION
Consumer complaint received 2024-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (PA)

to who it XXXX concern XXXX XXXX XXXX XXXX made all of XXXX payment and they are charging me extra XXXX saying it is for the principal wich i pay all ready in the last payment my balance.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

There have been multiple instances where XXXX XXXX  is charging my AMEX for unauthorized charges. XXXX XXXX  has confirmed that another account is using my card, but will not honor my request to remove my credit card information to stop the charges. 

As a precaution, I have canceled my AMEX card and requested a new one with a new XXXX number, XXXX  and expiration date on two separate occasions. For a time, AMEX used their XXXX verification step to authenticate XXXX XXXX  charges for me, but that has stopped and the unauthorized charges continue. I have now disputed the new charges, but AMEX will not honor my request to stop allowing the charges from XXXX XXXX  and refund my disputed charges. 

The latest instances of the fraudulent charges are : XX/XX/XXXX {$40.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$62.00}
Consumer complaint received 2022-09-25
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. (KY)

I requested that a proper investigation of my accounts was not done In Accordance With the Fair Credit Reporting act. these accounts can't be open and closed at the same time. These accounts need to be deleted. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, they are show inaccurate information. XXXX  acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX violated my federally protected 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. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IA)

I received a debit card from Chase Bank in the mail on XX/XX/20. The letter indicated this was my new bank debt card for my checking account. I dont have a chase bank account and have not recently opened an account.
Consumer complaint received 2022-06-07
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. (NY)

I've sent a number of letters to get these inaccurate information corrected The Credit bureaus stated that XXXX : Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX : Account # XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  : Account # : XXXX, DEPTEDXXXX XXXX  Account # : XXXX, XXXX : Account # : XXXX, XXXX  : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights in the amount of {$1700.00}. 

15 U.S.C 1681 section 602 A ; Stated I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also stated a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

I am being contacted by Midland credit management about a debt that I do not believe I owe. The account in question is for XXXX XXXX  account number XXXX for XXXX I am requesting debt validation and that I be sent the ORIGINAL CONTRACT for this supposed debt and also be sent the original amount that this debt was purchased for by Midland Credit Management and how much of a fee Midland Credit Management added to this account. By law can not be more than 20 % if this can not be provided I am requesting that this debt be immediately removed from all 3 credit bureaus. Also according to the state of Arkansas Midland Credit Management is not licensed to collect in the state. So I am also requesting proof that Midland Credit Management is licensed to collect debt in the state of Arkansas for one of it's residents or face possibly prosecution.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I had to file a complaint to get under a repayment plan. I have paid the repayment plan on time to date. The repayment plan is near expirations and I seek to file for a loan modification. The company will not proceed with my application for a loan modification. I am unable to get any type of answer as to why. I keep submitting the application and it just will not proceed. I need assistance in getting the process to commence.
Consumer complaint received 2024-10-05
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: REGIONS FINANCIAL CORPORATION (LA)

Region bank paid to delete. 
XXXX XXXX paid to delete XXXXXXXX XXXX no response from company, sent debt validation letter no response XXXX XXXX paid to delete XXXXXXXX XXXX  send debt validation letter no response from
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.. An FTC report has been made months ago, I will attach it.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TrueAccord Corp. (IL)

I was contacted through email by TRUEACCORD an affiliate of XXXX XXXX XXXX about a debt that doesn't belong to me. I have previously filed complaints against XXXX XXXX XXXX for Improper use of credit reports and reporting and it was removed from my credit report they are still attempting to collect through an affiliate I have no written or oral contract with this company.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (OR)

On XX/XX/2022 I found out that my Celsius Network digital asset account was frozen, and they would not allow me any access to sell, buy, swap, transfer or withdraw any funds, coins, collateral or rewards, essentially locking me out from accessing my property. At that time, my assets inside my Celsius account totaled roughly {$1.00} million in equivalent US Dollar value, and were comprised of XXXX, XXXX, XXXX, XXXX, XXXX and others. 
Just days before the freeze, the CEO of Celsius XXXX XXXX was boasting that all assets were completely safe and that everyone has complete access to their assets. Indeed, for years XXXX constantly boasted about how Celsius was safer than a bank -- suggesting that our assets were not only completely safe, but that we'd be utter fools to use banks instead of Celsius, especially with that " sweet yield '' we were earning. After XX/XX/2022 as an accredited investor I moved assets into CUSTODY to add an extra layer of safety to some holdings. Holding assets in CUSTODY meant that the assets were not earning any yield, and they could be readily accessible at any time. 

In early XX/XX/2022 I pledged approximately {$400000.00} in XXXX from CUSTODY to become collateral for a {$100000.00} USDC loan against my digital assets. This four to one ratio of collateral to debt ( 25 % LTC ) enabled me to gain some capital access at 2.95 % annual interest rate and most prominently allowed me to access some of the value of my appreciated coin valuations without selling any assets and incurring taxes.

In summary, I have coins held in the EARN account, in the CUSTODY account, and pledged as collateral on a LOAN, which I would gladly pay off to rightfully recover possession of my digital assets.

Not only is it now readily apparent that Celsius LIED to us extensively by taking massive undisclosed risks with our assets and covering up the truth of their beleaguered financial status, but after being exposed they are now using OUR assets to seek compensating themselves and paying attorneys to help exonerate them from their gross negligence and heinous acts of mismanagement and perhaps, extensive fraudulent and 'Ponzi scheme ' related activities. We find this to be terribly disturbing and blatantly illegal in many ways and feel it warrants a thorough investigation and prompt legal attention. 
Thank you for your ardent consideration in this serious matter.
Consumer complaint received 2024-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (PA)

Ive contacted disconnection agencies several times regarding my debt with no response back. The one time I make contact they told me to pay XXXX XXXX and they would remove the debt. I have no knowledge of this debt. Ive never been able to receive proof of the debt. Ive never received a letter in the mail regarding us at my home address.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to XXXX XXXX XXXX regarding inaccuracies on my credit repot, with one collection specifically. XXXX XXXX XXXX has listed on my credit report inaccurate information. 
This is the correct information, directly from the loan documents. 
1. Date Opened - XX/XX/XXXX I signed document in XX/XX/XXXX electronically *see attached 2. Last Payment - The company shows last payment XX/XX/XXXX but shows {$0.00} and in XX/XX/XXXX shows 120 days past due. If I had made a payment it would have been modified, they clearly state {$0.00} was taken. 
4. In XX/XX/XXXX, I recieved a collection notice with the amount of {$810.00}. Yet the report states it was {$960.00} in XX/XX/XXXX. 
*I have included several documents showing my previous disputes and response from XXXX , as well as loan docuemnts. 
I have requested documentation and a response from XXXX with no answer. They have been sent the same documents. I have disputed this XXXX in the last six months. 
I want the correct information provided, with documentation, which both XXXX and XXXX refuse to give me. 
I am currently in a class action for XXXX and Trans Union for inaccurate information from years ago. They seem to be repeating themselves. 
I understand the collection company verified the acct, but with what? Is there word enough, even when I have loan documents, clearly stating correct date and information. This has been an issue for 2 years, directly impacting my ability to get credit.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MN)

To Whom It May Concern, I am writing to request validation of the debt that your agency claims I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I received a communication from your office regarding a debt that is allegedly owed, and I would like to ensure that this debt is valid and accurate before proceeding with any payments.

Please provide me with the following information as part of your debt validation process : 1. The name and address of the original creditor.

2. A detailed statement of the amount of the debt, including any interest, fees, or other charges that have been added.

3. Verification of my obligation to pay the alleged debt, including any signed contracts or agreements that show I am legally responsible.

4. A detailed payment history that shows how the debt has accrued, including any payments made to the original creditor.

5. Any documentation that demonstrates your legal authority to collect this debt on behalf of the original creditor.

Please note that I am not acknowledging or accepting responsibility for the debt by submitting this request. I am simply exercising my right to request proper validation. Until I receive the requested information, I request that you cease all collection activities related to this debt, including reporting any negative information to credit reporting agencies.

I expect your prompt attention to this matter and look forward to receiving the requested documentation within 30 days. If you fail to validate this debt as required by law, I will consider the matter resolved, and I will expect all collection efforts to cease.

Thank you for your cooperation. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I sent a debt validation request to Portfolio Recovery on XX/XX/2022. Portfolio Recovery responded but did not provide sufficient information to adequately validate the debt in question. This is a violation of my rights under the FDCPA. This account needs to be deleted immediately.