davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Consumer complaint received 2022-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (WI)

On XX/XX/XXXX State Collection Agency sent me a letter attempting to collect a debt from XX/XX/XXXX for XXXX XXXX XXXX ( clinic ) for 2 amounts, {$26.00} and {$140.00}. Both of these had been paid by insurance and I personally paid the deductibles. I responded with a letter for " debt validation '' and disputed the debts on XX/XX/XXXX. Never received a response as of XX/XX/XXXX but received a credit alert that State Collection Agency had already listed these two " debts '' as collections on my XXXX and XXXX credit reports on XX/XX/XXXX. ( well before the Fair Debt Collections Act 's 30 day period to allow for the debtor 's time period to challenge the alleged debt.
Consumer complaint received 2022-04-06
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. (IA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.
Consumer complaint received 2022-04-08
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. (FL)

I have contacted Transunion multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts, as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA regarding Identity Theft. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX Credit Management # # # # # XXXX
Consumer complaint received 2022-04-08
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. (NY)

Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance
Consumer complaint received 2022-10-07
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. (TX)

I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in XXXX XXXX, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed.
Consumer complaint received 2022-07-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Equifax states that they finished their investigation on Complaint XXXX ( XXXX XXXX reported as of XX/XX/2020- {$4800.00} ) VERIFYING the information from the original source. According to 15usc 1681 ch3 e ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. However, They seem to have obtained their information directly from the creditor. They have not done the proper investigation. I had also hired XXXX XXXX XXXX to write letters asking for and investigation and they had to remove it. I am have XXXX XXXX XXXX send me those letters now in case they are needed.
Consumer complaint received 2024-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

This is further to an earlier complaint, which I believe all may be resolved through simple error resolution by Citibank. On XX/XX/year>, I was compelled to wire transfer {$30000.00} to a fraudulent bank account posing as XXXX XXXX under the name Amx XXXX XXXX. However, the transfer receipt from Citibank did not match the beneficiary bank information that was presented in the wire instructions. It is my belief that this discrepancy and my subsequent wire recall request constitutes sufficient reason to characterize this wire transfer as an error. The transaction was not red-flagged as risky by software, or other means, as we are led to believe on Citibank 's website ( https : //www.citigroup.com/XXXX ). In fact, the beneficiary bank, XXXX XXXX XXXX, has XXXX reviews almost all are fraud warnings in XXXX XXXX reviews. In addition to multiple fraud warnings, the bank receiving my funds was under an enforcement action by the OCC as recently as two years ago. Citibank has ignored my requests for follow up. I do not have access to accounts including my credit card. My credit has been shredded by this incident and the associated ID theft. I should have immediately been provided a new account with the compromised account closed. Furthermore, the criminals deposited {$470.00} in my account three weeks after the wire transfer from the same account as the wire, which suggests to me that Citibank did not pursue any investigative action against the bank receiving the money because that account was clearly viable for at least three weeks after the fraud.
Consumer complaint received 2022-09-11
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: MARINER FINANCE, LLC (FL)

Over 20 yrs ago I had a title loan I think can not remember. It was called XXXX XXXX loans. My old debt was paid, I was making payment it was a high risk payment loan place. I was unable to set payments and continue to make the same amount of payment I still remember how I struggled with raising XXXX children and very low income working pay rate XXXX pr hour. That company increased the balance with fees, late fees and the amount was tooo high and i was paying and never getting anywhere. I remember asking if they can lower the interest or the payments that either was done. 
I just could not pay every month than I started to get sick losing a lot of my pay. 
Than the debt was sent to the credit bureaus and my credit history became a nightmare. still is I can not believe XXXX is still harassing me for the account that is over 20 yrs old I never reapplied. I was also notify per credit agencies who help with debt consolidation. Not to make a payment if so it starts over again. I did follow what I was told. So, after so many years I just got an email from Mariner Finance stating I owe them money and that was sent to the collections department. This is the 2nd or 3rd time I get this threat and harrassment every 1yr or 2. I Never ever applied for any loan from Mariner Finance. I went in to ask about what type of company they are after the lady in the office told me to come and when she came back now this was over XXXX ago. when she came back she said she was a supervisor at the XXXX XXXX. she told me I could not get any loans, because I owed them I told her no I do not I never borrowed. She came back with an old file and she did not let me see it but she told me it use to be XXXX XXXX XXXX XXXX XXXX XXXX. Well, I told them I do not owe any funds and not ever over XXXX all this is fees, interest, because I remember the amount i could not pay off was under 1000. Also XXXX was on all three of my credit bureau for XXXX yrs. I request remove they did, also i put that in the bankruptcy XXXX XXXX it is going discharge XXXX yrs. XXXX was not to harass me nor sell it to Marinier finance and if not than if XXXX name was changed to Mariner Finance that too is not and they need to stop sending me threatening letter and marking my credit with debt that is over 20yrs old, also still charging fees, interest Sunbelt has been file in Bankruptcy XXXX XXXX  currently discharge 4yrs. Mariner Finance they do not have anything from me as being approved for any loans I never got one from them, nor sign for any loan from Mariner Finance, if they state i did i want proof and they can not combine XXXX XXXX loan title. That company is no longer existing. I want my credit left alone and I do want to sue them for harrassment and tarnishing my current credit history. I have the email and the bankruptcy documents showing that XXXX was the only company.
Consumer complaint received 2022-08-11
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. (MA)

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-11
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: CCS Financial Services, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2022 I used XXXX XXXX  XXXX Zelle to transfer {$50.00} and then {$30.00} to an online scammer ( total {$80.00} ) to buy tickets to a concert. The person kept asking for more money and never sent me the tickets. This conversation took place on XXXX. The persons name on XXXX was XXXX XXXX XXXX. The zelle account I sent the money to was under the name of XXXX and the phone number associated with that was XXXX. The person also sent me a picture of an ID ( probably fake ). 
I reported this to XXXX Zelle, but they said that I may not get my money back because it was a direct transfer.
Consumer complaint received 2022-07-30
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. (CA)

I did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should 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 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

XXXX XXXX Account XXXX On XX/XX/2019, A company shown as CREDIT CORP SOLUTIONS was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Consumer complaint received 2022-07-30
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXXXXXX BANK 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 I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Service Bureau (MN)

My medical debt, which I had a payment plan set up with the facility then they switched to XXXX and sent it to collections, I was trying to set up a payment plan on XX/XX/2019. I wanted to continue paying what I was paying with XXXX XXXX, {$100.00} every other week. I spoke with XXXX XXXX at Professional Service Bureau , INC in Minnesota. First of all, she was very difficult to understand and she clearly did not always understand me. She told me I had no choice but to pay in 10 installments and that was all they would accept. I informed her I could not afford that and that I could afford less. I offered first {$50.00} every two weeks. She then offered me a settlement and told me I needed to take out a loan or ask others for the money. She told me " you can just borrow against your 401K! '' She was very rude and condescending. She then told me the minimum was {$400.00} and I had to pay {$100.00} per week. I again said, no and offered {$200.00} per month. She threatened that my debt was going to a lawyer if I did not pay the full amount. I told her I couldn't. She then said I could pay {$200.00} per month. I said OK, where do I send it. She said, well it won't be a payment agreement and it will still be going to a lawyer. I said you said it would be, she then again changed her mind and said well it would be. She then said in a threatening voice, " YOU BETTER MAKE ALL THE PAYMENTS!! AND NOT MISS EVEN ONE! '' I asked if she was threatening me, she then said, WELL JUST MAKE EVERY PAYMENT. I felt very threatened by her tone and words.
Consumer complaint received 2023-09-19
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

Hello Lexis Nexus, I wrote you previously regarding my personal information being gathered by you and shared to third party consumer reporting agencies. You are violating my rights to privacy by collecting my personal information without my express written consent and sharing my personal information to third party companies. I have proof that the bankruptcy court doesn't report any of my personal information to third parties proving you obtained my information without a permissible purpose. I sent a document to you via certified mailed with the tracking number USPS XXXX on XX/XX/2021 and haven't received a response yet.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Hello CFPD, My original loan in XXXX was with XXXX not XXXX. 

Mr. Cooper has XXXX many times on their documents. 
This is a Huge error on Mr. Coopers part for an Enormous Mortgage Loan on my Home! 

They have had the incorrect name ( XXXX ) on several pages of their documents!! 

I have been trying since XXXX to get a modification, from day one it was with XXXX  XXXX XXXX after they took over the loan from XXXX. Then Nationstar took over my loan from XXXX  XXXX XXXX. 

I have been on my property for 42 years! 
I still have children at home that are in school! This is their home our home of many years! 

I was under Extreme Total Duress to sign the Modification from Nationstar in XXXX, that the clock was ticking and I was informed to sign or the deal was off the table! 

I totally feel I was setup to fail! Mr. Cooper knows my financial status! 

I feel Mr. Cooper is trying to cover up a Bad loan I signed in XXXX with XXXX. 
Mr. Cooper is stating that it was with XXXX! 

I have documents attached to prove it was with XXXX. 

Mr. Cooper is referring to an ARM loan, which there was a class action suit against the ARM loan I was given in XXXX by XXXX. 

Again I have been on my property for 42 years! 

Thank you for all you help! 
Sincerely XXXX XXXX