davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've contacted all XXXX credit bureaus. I'm extremely upset with how TransUnion and XXXX have delt with me. I sent 2 letters to them, First dated XX/XX/22 second dated XX/XX/22. I was told they did not receive either letter. They wanted me to file a complaint over the phone with one of their employees. I did. However i asked them to send copies of corrected information, which they could verify through the hard copies i sent of reciepts and statements i got off line showing accounts paid. I also asked them to remove collections they did not belong to me. I also asked that they send information to me where i signed an agreement with these companies who had me in collections on my credit report. A corrected credit report. My current Credit Score.

Neither XXXX or XXXX sent this information within the 30 days given. When i did receive information they had it listed as VERIFIED. No proof with my signature that i was responsible for the debt. 
The debt collectors was XXXX XXXX, XXXX XXXX, and XXXX. 
XXXX XXXX sent nothing to me with my signature. I was sent a notice asking that I pay {$630.00}. Nothing with my signature showing I owed this company. I rceived nothing from XXXX.
Consumer complaint received 2022-08-30
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (LA)

I send {$500.00} via Zelles on XX/XX/1984 to someone that impose as my cousin. I contacted my bank and Zelles and was told I could not get my money back because they privacy policy don't cover scams
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (PA)

on XX/XX/XXXX I got a notification that on XX/XX/2022 there was a hard inquiry on my credit report from TD bank/Target. I did not apply for any credit card. I am concerned this is fraud.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (CA)

The incident first occurred on XX/XX/2021, I was manipulated, " scammed '' if you will into investing into the companies stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know these were not real or regulated companies the scammer approached me online and pressured me to invest in them. I lost XXXX USD. The funds were transferred from crypto.com into the scam companies. Most of the money went to coinbase and then to coinbase wallet to other fake investments or fraudsters. Crypto.com customer care is not responding. Being a financial institute, they should have more tools and equipment to track the money movement and resolve my case positively. But they are blaming me as I agreed to the user agreement, I had to take care of the risks. But at the time of doing the transaction I do not know these are fraudulent transactions and crypto.com ought to know, if not then, now it should be capable of retrieving the money back.
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My loan was transferred to Right Path Loan Servicing on XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX. I was in a covid forbearance status when the loan was transferred. I am successor interest on the loan. I am on the deed and was from the day of purchase. I have been making monthly payments as scheduled. I have filled out the mortgage assistance application twice. The first time it was declined because they said it expired. I started the process again in XXXX as requested. They gave me a three month trial period to start in XXXX XXXX XXXXXXXX. Today I received a phone call stating it is declined due to I am not on the mortgage. XXXX XXXX tells me I am approved for a short sale! Wow on my primary home, that along representative 's have been telling me all is in place. Not to worry. Well now per there request I was told not to make a payment until XX/XX/XXXX. So not payment has been made XXXX and XXXX putting the loan further behind. XXXX XXXX advised me to reapply!?!?! Reapply on something that will not be approved because I am not on the mortgage?????? That would be wasting time with no results. I need an answer and direction on how to get the situation resolved on my primary home. They are XXXX XXXX with people 's homes with no hesitation.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NC)

I am writing this letter due to the actions that Midland Credit Management XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Midland Credit Management XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-02-01
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. (IL)

In according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing this letter due to the actions that XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 
I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX, XXXX aka XXXX XXXX, XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX aka XXXX XXXX XXXX. 
They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 
For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (IN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-08-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage (LA)

On XX/XX/2022, my significant other and I initiated a mortgage refinance loan application with E Mortgage. We were told our approval rate had gone down 2 days prior to the closing day of the loan. Once we got to the closing with the assigned notary the documents did not align with what was discussed. It turned out we were paying for a points-by-down. We never agreed to such a commitment. We didn't get the opportunity to review the closing disclosure until the afternoon of closing. I noticed the fees didn't add up so the loan officer was called to briefly go over the document Closing Disclosure. We didn't get a realistic time to review the document in its entirety. 

Fast forward to XX/XX/2022, checks were disbursed for payment to creditors. Multiple checks were not the pay-off amount that was due to the creditors at the time of processing the loan. The accounts weren't utilized and the final balances were off by several dividend amounts. This caused a continuous stream of interest and credit card debt. We are currently paying a higher mortgage with half of the accounts still having a remaining balance. Multiple credit card accounts were also CLOSED due to unauthorized payments and returned checks. ( same issuing creditor for multiple accounts ). It is now XX/XX/2022 and payments still are returning after the reissuing of the checks. With the same inaccurate amounts.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NC)

I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 
I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of XXXX XXXX. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX  XXXX aka XXXX XXXX  XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX aka XXXX XXXX XXXXXXXX. 
They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. 
For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
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: GOLDMAN SACHS BANK USA (IN)

Subject : Request for Reconsideration of Apple Card Application Denial Dear Goldman Sachs Apple Card Team, I hope this message finds you well. First, I want to express my appreciation for your transparency and professionalism in notifying me of the reasons behind my recent application denial for the Apple Card. Your customer service has truly been a XX/XX/year> experience, and I am grateful for the clear communication. 

I understand that the decision was based on two primary factors : 1. Multiple recent applications for credit, resulting in hard inquiries on my credit file. 
2. A recently closed checking and/or savings account by a bank. 

Please allow me to provide some context. Unfortunately, I have been a victim of identity theft, and as a result, numerous unauthorized applications and transactions were made in my name. I have since taken significant steps to rectify this issue by working closely with XXXX XXXX and law enforcement to ensure that all fraudulent activity is wiped from my credit report and records. I expect these issues to be fully resolved soon. 

Given this, I am respectfully requesting a reconsideration of my Apple Card application once the necessary corrections are made to my credit file. I believe that once the fraudulent inquiries and account closures are removed, my profile will reflect my true creditworthiness. My current credit score of XXXX reflects the impact of this unfortunate situation, but I am confident that it will improve once the fraudulent activities are fully addressed. 

I am committed to maintaining financial responsibility and security moving forward, and I am hopeful that, upon resolution, my application will be reassessed for approval. I would also appreciate consideration for a higher credit limit once I am approved, as I plan to use the Apple Card responsibly for both personal and professional purposes. 

Thank you again for your understanding, and I look forward to reapplying once everything is resolved. Your assistance and continued customer service are greatly appreciated. 

Best regards, XXXX XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2022-08-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX 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 2022-08-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 ortina can not furnish a account without my written instruction
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 — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX has sent 4 deletion requests to Equifax regarding deleting the collection account on my credit report, this has been going on for over 1 year & I have been fighting a losing battle with Equifax. Equifax continues to state that the debt is being validated by the collection agency & refuses to delete it, yet XXXX XXXX doesnt even have this account & they havent in over a year. XXXX XXXX  said this is an issue with the credit bureau not following the law regarding deleting this timely! Equifax is illegally reporting on this debt & stating the debt has been validated when it has not been. I have spoken with numerous supervisors & they all have told me that they have not verified this debt. I am going to sue equifax, file complaints with the FCC, FTC, XXXX & The Attorney General if they do not stop illegally reporting this to my credit report! Please help me with this. I am attaching the collection agencys response on 3 different occasions over the last 1+ year! Please note : Equifax is the only bureau reporting this debt because XXXX XXXX XXXX removed it in XX/XX/2021 when they sent the deletion request!
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc. (NC)

I am writing this letter due to the actions that Financial Recovery Services , Inc has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX, LLC is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with Financial Recovery Services , Inc., and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (CA)

Pursuant to 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VT)

I have a loan through Navient. I'm eligible for Public Service Loan Forgiveness, yet it has been impossible to get clear instructions and help from them to apply before the XXXX deadline. 

I was on the phone with them yesterday for XXXX minutes. The rep finally told me she would send an email with a letter with all of the steps I needed to take. 

An email from Navient arrived hours later and had NO such information. 

Clearly, it's way too trusting and optimistic to think that a Loan Provider will want to help loanees to cancel part of their loan. Why was PLSF designed this way? Navient has every incentive NOT to help students, not to help them.

I need help, Navient is the WORST lender, this is a dysfunctional process, and I'm running out of time.