davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have written several times asking for VALIDATION and PROOF that I applied for and own. XXXX XXXX credit card. I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX   on behalf of XXXX XXXX. 

If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
Consumer complaint received 2019-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have uploaded the document from XXXX as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is DOG LATIN also called American Sign Language, " GLOSSA, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find Dog Latin explained in the Article : 11:147 Chicago Manual of Styles : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at Blacks Law dictionary 4th edition. 

The DOG-LATIN text is found on the tombstones of a grave. XXXXog Latin is the engraved image on the tomb, the written text of the dead. It is debased Latin, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of Latin, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX  keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.
Consumer complaint received 2019-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CA)

IN ABOUT XX/XX/XXXX-XX/XX/2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.
Consumer complaint received 2019-02-25
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: CCS Financial Services, Inc. (FL)

Account was investigated by XXXX and determined the account was closed and to be removed from credit report. Credit Collection Services still report account on report effect XX/XX/19 as having an open account with a {$270.00} balance. I contacted Credit Collection who informed me that there was an error and account was being removed.

Account still appearing on report and should have never been report on credit report. Credit Collection and XXXX has caused a hardship on my closing for a home and decrease my credit score. Credit Collection stated it will take 30-60 to correct their mistake. I request for a letter to submit to loan office and they are unable to do so. Causing me to seek additional housing before closing
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS FRAUD.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX//19 I tried to request a hard copy of my 3 credit reports from " XXXX '' and had to call 4 times due to the automated system not " understanding '' or my birth date was requested repeatedly until I had to close the call. Uncertain of whether they had the correct information, I requested to view my credit reports online which I learned never to do again. I am a victim of identity theft and due to too many personal questions when I need to make doctor 's appointments as well as the XXXX disaster I froze my credit reports. I requested to view all three bureau 's reports and was able to view XXXX 's report which was fine but when I requested to view my TransUnion report I was asked security questions one of which was ridiculous. The question was a telephone number I used with a land line for a brief time but it has been ten years since I closed my land line account and use only my cell phone from that time to the present. TransUnion refused to let me view my report on line and " alerted XXXX  to block me. When I viewed my history page I was enraged when I read " fraud alert! Fraud alert! They placed a fake fraud alert online due to one inappropriate question and there was no one to contact to correct the situation who understands XXXX English at their off time customer service number ( this was a weekend ). Today I could not get a number in the USA to speak to a fellow citizen which is outrageous. As an American citizen I truly resent a corporation who hides their phone numbers here in the states. Online all they want is to sell some service I neither want nor need-why waste time with a person they can't make money from??? This is a truly " dark '' moment for XXXX Civilization and I'm aware of it's painful demise. Trans Union was once a lovely company but now they seem to be in hiding. They need to undo any damage they caused with the fake online " fraud alert '' created by an over zealous employee! I had a similar problem with their overseas employees several years ago! they must make USA phone numbers available! No one in XXXX or XXXX who works for them would give me a USA number.I feel abused and the treatment I received was contemptible. An apology would be nice but I doubt that will happen unless I pay for it. Horrible!
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Keystone Credit Collections Inc. (MS)

Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the XXXX agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I was in the process of refinancing my mortgage and discovered a {$35.00} debt from Eastern Account System ( EAS ). I contacted EAS on XX/XX/19 and spoke with XXXX to have this deleted from my credit report, and was told that if paid, EAS can not delete from the credit report. 
Contacted EAS on XX/XX/19, and spoke with XXXX in second attempt to have the {$35.00} debt be deleted from my credit report, and was told " the only thing they would do is show a paid in full with a {$0.00} balance. '' Asked to speak to a supervisor, and spoke with XXXX, and was informed that EAS could not delete the {$35.00} debt from my credit. 
I have never received any communication of this {$35.00} debt, nor did I receive any communication stating the {$35.00} debt would be put on my credit report, which has negatively impacted my credit score
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS FRAUD.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

THERE IS A NEGATIVE REMARK FROM XX/XX/2013 THAT SHOWS A DEBT WAS PAID AND THEREFORE CLOSED. THERE WAS AN ISSUE WITH THE ACCOUNT THAT XXXX HAD FAILED TO FIX ON TIME AND DID NOT ALLOW PAYMENT. ONCE PAYMENT WAS PROCESSED THE NEGATIVE REMARK WAS SUPPOSED TO BE REMOVED.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (NC)

I disputed it over 36 days ago and the required notice of dispute is missing. That indicates that there was not a proper investigation. Delete these account for failure to perform investigation per fcra regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the following accounts on [ XX/XX/2022 ], in which Equifax received ( XX/XX/2022 ) The following accounts listed has been illegally reaged in an attempt to damage my credit report. 

I want these accounts deleted because the date last active column is inaccurate and has been reaged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached appropriate documents to back up my complaint.
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have an account with fifth third bank, where students aren't supposed to have a monthly account fee, but I brought them proof I'm a student and they still charged me the fee, I called them up about it and they said they can't help me. Also when I opened the account I was offered {$250.00} for leaving {$500.00} in there for 60 days, but now that they charged me a fee my balance went under {$500.00} so I can no longer get the bonus ( because of a mistake they made ).
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Hello my name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, NJ XXXX. 
I currently have a mortgage with XXXX and my loan # is XXXX I applied for a modification in XXXX. XXXX my mortgage lender sent the trial modification to the wrong attorney. During the process me and my current attorney couldnt figure out why we hadn't recieved a response from XXXX. Months later my attorney suggested that i file a Chapter XXXX. A few months after filing chapter XXXX we noticed that the payments that i was sending to XXXX was sent back to me and we were perplexed as to what was going on. Finally I ( not my attorney ) recieved a letter regarding Foreclosure. My attorney and I couldnt understand why. Later after calls back and forth with XXXX they told us that a modification was sent out and because I nor my attorney had not responded to the Modifcation Offer they put the house in Foreclosure. The Modification Trial was sent to the wrong attorney. My self and my attorney made several phones calls and I called XXXX and this is how i eventually found out that an offer was in fact sent in XXXX of XXXX. I asked XXXX could they send me a copy of what was sent out months ago regading the offer and when they finally sent me the letter i saw that it was address to the wrong attorney which explains why we never recieved the offer. My current attorney has been in contact with XXXX attorneys and we have explained to them over and over again that the original offer was never to sent to either of us. We are asking XXXX if they could resend the offer as I do not want to loose my home but to no avail. As of this day my attorney is still awaiting to hear back from XXXX attorneys. Last week a recieved a letter stating that my loan was sold to another lender. I am affraid that XXXX is not trying to help resolve this error that they made. If this offer was sent to the correct attorney in XX/XX/XXXX I would not be in this position as we speak and I would be a happy homeowner. All I am asking is that XXXX make this right because of their wrong and re-offer me the Modification Trial Offer and remove my home from Foreclosure status.
Consumer complaint received 2019-02-27
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. (AL)

On several occasions I submitted numerous of letters to XXXX, XXXX, and transunion, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lazega & Johanson LLC (NY)

{ debt Collector Agency ) Lazega and Johanson locate at XXXX XXXX XXXX, Ga ( XXXX ) XXXX I received a letter from them stated that I owe my HOA in the principal balance of XXXX but they added fees and court fee equal to the amount of XXXX. I requested a payment plan with them. I already payed them XXXX, XXXX. I have missed a couple of payment as a result they send court paper to my tentants in the amount of XXXX as a rent garshment I still wanted to work with them. I then told Ms. XXXX XXXX the person that I also contacted regarding the matter. I told her that its not right that They keeping adding fees that it against the Fair trade Act. She knowledged that but say so, I then asked for a settlement, she wrote me back with the amount of XXXX. She say that the company is only going to accept a settlement on that amount, nothing else. I said where does that amount come from. She said they added post judgement balance of XXXX was added to the amount. She received to answer my calls. I said the balance was 3, XXXX How come Iam paying 2x as much. They told my tentant to go to the court to pay the rent to pay the rent to them as of XXXX XXXX. I called the HOA and told them what was happening. They told the HOA that I have a payment plan with them which is not true. They have not submitted any paperwork to the HOA showing my payment history. They didn't even forward my request to settle with them.
Consumer complaint received 2020-10-14
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. (CA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX XXXXXXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to anybody. & quot ; So if that & XXXX XXXX  ; s the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone & XXXX XXXX XXXX s credit report.

Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

They also violated my rights numerous times.

DELETE Bankruptcy Account Number : [ XXXX XXXX  ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (GA)

I have no idea who MERCHANT ADJUSTMENT SERVICE is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANT ADJUSTMENT SERVICE is indicating that an account with AN UNKNOWN account # was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANT ADJUSTMENT SERVICE as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ MERCHANT ADJUSTMENT SERVICE } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANT ADJUSTMENT SERVICE, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.