davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NJ)

Attached is a copy of the letter sent to XXXX XXXX NA. XXXX XXXX NA APPEARS ON MY XXXX REPORT XXXX  times as a hard inquire. Dates are as follows : XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. 

I have asked that they verify that it was me who authorized the use of my social security number and they have yet to respond. 

These hard inquires are damaging to my report and ai need them removed as they do not apply to me.
Consumer complaint received 2016-01-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Offices of Stein and Meyer (OR)

My wife received a call from an unknown woman saying they were trying to serve papers. My wife called # they gave her. A man named XXXX answered & stated he was with Legal Offices of Stien & Meyer. Told my wife that I owe money on an old account & am being sued. Told her account #, amount they are suing for and tried to get a settlement from her. Original amount was {$430.00} and trying to collect over {$1800.00}. This account was disputed through credit bureaus over a year ago and removed from my credit because creditor never replied with valid information. Man told my wife that he was looking at my credit report and it was placed back on there. I have not yet checked my own credit to verify but this is absurd! Not only are they threatening to sue, they are giving my wife information that by law they can not and trying to collect money from her. I can not find ANY information on this so called law firm and when I google the phone number ( XXXX ) it comes up with a marketing company
Consumer complaint received 2015-11-19
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (KY)

For XXXX I have already paid this medical bill through another collection agency, when this agency first contacted me I told them it was paid, they proceed to say yes this was sent by mistake. I never heard from them until they had called my in-laws whom I NEVER listed as a contact! They are now claiming I yet again have to pay this bill from 2012!!!
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have never been 90 days past due on my mortgage. Wells Fargo stop taking payments from me in XXXX. I made a payment XXXX they did payment reversal XXXX/XXXX/16. I have paid the same amount on mortgage for several months. They 're telling me my payment was more than that. I have proof where they 've applied my payment every month up until XXXX. I called them today and was told they were not able to reach me all my contact numbers were disconnected. I only have XXXX contact number and that is my cell phone. Someone there deliberately removed my number and added old home phone numbers I have never put on my account as a contact when they did a skip trace. They 're doing everything they can to make it look like they 've tried to help me and I was unable to be reached. I have n't received an accelerated letter indicating the next step and have n't received a certified letter notice. I was told today I had to pay XXXX payments by XXXX/XXXX/16 or they would foreclose on your home. Wells Fargo is illegally trying to take my home from me. I received a blank envelope on my door Monday saying confidential with nothing inside the letter. The monthly statements say my payment is XXXX thing however they 've taken a different amount and applied it EVERY month. I NEED someone to take a closer look at them along with my documentation to see this is not right and I am not being treated right. I understand I am not current on my mortgage but I know my rights and know it has to be over 90 days for foreclosure to start. They 've tried to cut off all ways for me not to make a payment every month. I have managed to get a payment sent through my bank account. I desperately need someone to intervene. Please help me I only have 7 days.
Consumer complaint received 2016-01-23
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: RMS-Recovery Management Services, Inc. (IL)

Called my employer asking for me passing himself as a sprint customer that need to speak to me. When a manager picked up the phone and asked the caller who was asking for me the caller responded im a customer. When the manager picked up again and requested again who was calling for me since I was busy with a customer he then responded with his name and he was calling from Recover Management Services. When they requested for me they only said XXXX. Not by my full name. Also they continue to call my employer and not only getting me in trouble but calling private after my manager told them to stop calling my job. My employer came to me with a complaint. Call was made at XXXX XXXX/XXXX/2016. I have also requested a written notice of the bill with information of the collection company since I was first contacted about it XX/XX/XXXX and yet I still have n't received anything in the mail about the bill with any information and where it came from.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Credit Karma (HI)

Credit Karma is NOT to be trusted! Requested my free credit report & score & know I have a detailed credit report file because I have paid directly to XXXX in previous years & know they have because they delivered said report. I have struggled tremendously via email trying to give more information in order to get report. Also handed over my phone number as well. The other end was completely uncooperative, sent me dead links, & now I completely distrust the integrity of this company & its proclaimed services. Also searched for corporate contact numbers & XXXX number lead to a voice message referring to website ( dead end ) & the other was invalid. 
Credit Karma XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact Credit Karma Phone Number : ( XXXX ) XXXX Fax Number : Website : XXXX : //www.creditkarma.com Email : Email Credit Karma Executives CEO : XXXX XXXX
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (KS)

My loan was sold to specialized loan services. We have had nothing but problems with them since. We were trying to modify our loan and were never told it was approved until after we missed theach first trial payment, which denied the modification. When trying to contact them our assigned agent would never return calls and everyone we talked to was extremely rude. Now we are at risk of losing our home.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received a notice from Capitol One that they were issuing me a new card and account because XXXX of the merchants I had dealt with had a security lapse. I have been trying to get the name of the merchant and they seem to be stonewalling me. Their chat line wo n't accept my valid input, their phone representatives ca n't seem to access the information and they refuse to email me the information, stating that a name is too sensitive. What can I do? This is XXXX.
Consumer complaint received 2024-11-13
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. (NJ)

This account was charged off the following date of ( XX/XX/XXXX ). Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is ( XX/XX/XXXX ) and of Transunion its ( XX/XX/XXXX ) but on XXXXits ( XX/XX/XXXX ), with all XXXX credit bureaus being last reported in XXXX of XXXX. If this information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so its deemed INACCURATE. Please delete this account from my report ASAP. 


ACCOUNT NUMBER - XXXX ACCOUNT NAME - XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credence Resource Management, LLC (OK)

This projected billing was disputed with XXXX. This was an account that was never activated nor used. After speaking with the representative I felt the charges were rescinded. I was not made aware that these false charges were still being pursued. I was not able to dispute nor had an opportunity to access these false charges. If you feel you sent proper notification, I am requesting a copy of the proper notification, certified receipt with name and my signature attached, for verification.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner 15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

XXXX XXXX Experian Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 12 Months Scheduled Payment High Balance Loan Type Other Responsibility Individual Company Name XXXX XXXX XXXX 
Account Number XXXX Comments Charged off account, Fixed rate Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 12 Months Scheduled Payment High Balance {$120.00} Loan Type Other Responsibility Individual Company Name XXXX XXXX XXXX Account Number XXXX  Comments Paid by collateral Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Charge Account Responsibility Individual Company Name XXXX XXXX XXXX Account Number XXXX  Comments Charged off account Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Credit Card Responsibility Individual Company Name XXXX XXXX XXXX  XXXX Account XXXX XXXX Comments Charged off account, Account closed by credit grantor Details XXXX XXXX Experian Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Credit Card Responsibility Individual Company Name XXXX XXXX XXXX  Account Number XXXX  Comments Charged off account
Consumer complaint received 2024-09-03
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. (CT)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-13
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. (NY)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX, XXXX XXXX A acct # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX. 
Account # XXXX, XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-13
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery ( {$XXXX} ) is unlawfully reporting derogatory information on my credit report without proper authorization. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. has failed to provide a copy of any wet signed applications t, which raises concerns about the legitimacy of their actions. I also have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately.
Consumer complaint received 2024-11-13
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. (OH)

After careful review of my Credit Report, I noticed two accounts that doesn't belong to me. Those accounts are XXXX XXXX XXXX, and XXXX XXXX. I have included these accounts in my Identity Theft Report. I also noticed one hard inquiry from XXXX XXXX XXXX that doesn't belong to me, nor have I gave them permission to run my Credit Report.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.