davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

On XX/XX/2016, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2023-06-13
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX  Delete this account. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


8. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


11. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2021-11-22
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. (NJ)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

I am in receipt of Rent Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$1300.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Rent Recovery & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Rent Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Rent Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Rent Recovery Solutions has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2019-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MA)

I have a co-signer in my loans, my father, who has never co tributes to my loans repayments and had been unemployed for the last 2 years. Hes nearly XXXX. Im married with no children. My husband and I have a home together at a fixed rate of 4.2 % interest and a mortgage of {$2200.00} a month. Our combined income is {$160000.00} - {$170000.00} a year depending on over time my husband is eligible for. I have one other payment I make on a car for {$280.00} a month.  However Navjent wont release my co-signer because of my debt to income ratio. My greatest and only debts are my loans! This is propsterous and they wont tell me what income I would need to qualify for realsing my co-signer. Whats more, I cant refinance and consolidate until hes released. Ive tried several time with other browsers and internally with navient and thats the repsonse I get. One of my loans for has an interest rate of 13.25 %! I believe they are willing my and jnkwly denying my request to prevent me from qualifying for refinancing options with no reasons for denyin. My request for advising me on the qualifications I would need to get it approved. Every time I apply they pull my credit so I cant just keep trying - tried in XXXX and XXXX with no change in response or favorable behavior.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block these informations from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

SINCERELY, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2023-06-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Shellpoint Partners, LLC (PA)

Back in XXXX I took out a small loan for {$4000.00} from XXXX XXXX XXXX XXXX in XXXX Pa. This loan was for some minor kitchen repairs. Now we are trying to see our home and there is a lien on t he property for {$19000.00}. XXXX apparently made it an open ended loan without our knowledge. We used and paid back {$4000.00}. I now have a closing date to sell the home on XX/XX/XXXX and I need a letter releasing that XXXX. My real estate agent had informed me that once XXXX went out of business, their loans went to XXXX Bank. From that bank it went to Shellpoint Financial and NOW is with NRZ Recovery Trust in XXXX South Carolina. I have contacted XXXX Bank and they have NO record of my loan. I called Shellpoint to request original documentation and have not gotten a response. Their customer service reps say there is no record of a loan there either. On XX/XX/XXXX I called NRZ asking for a letter to release the lien on my property. They CAN NOT find me in their system either. Bottom line is, I am NOT paying for a {$19000.00} lien that I did NOT borrow. According to a letter that I have from the title company, my loan was paid but was never documented as satisfied. This is an old loan. I was never made aware there was a lien until a month ago. This loan is not on my credit report either. And if I owed {$19000.00} why was there no attempt to contact me by the above listed companies? A foreclosure attempt was never made either. What i want to happen is this to be marked as satisfied and the {$19000.00} lien removed immediately from the property and court documents. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KY)

Had a home loan with Wells Fargo Bank my House payments went way up. They said I did have enough in my escrow to pay which wasnt true. House payment was XXXX a month. Then Wells Fargo messed with my home loan and it shot my payment to XXXX a month. Had to foreclose on my home payment was out of my reach at that time. This was the year of XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MA)

I am writing to formally file a complaint against Discover Bank regarding their handling of a dispute with a merchant. Despite providing ample evidence and adhering to all necessary procedures, I have been extremely disappointed with Discover Bank 's decision to side with the merchant, resulting in a loss of {$2800.00} for items that were rightfully returned. I believe this decision was unfair and unjust, and I am seeking assistance from your esteemed organization to rectify this matter. 

The details of the case are as follows : On XX/XX/2023, I placed an order with a merchant for several items. 
Due to various legitimate reasons within their return policies, such as missing pieces, late delivery, and no longer needing the items, I promptly returned them. I possess and have submitted all necessary documentation, including drop-off receipts and screenshots of valid Return Merchandise Authorization ( RMA ) numbers. 

Despite providing irrefutable evidence and fulfilling all obligations required of me, the merchant has failed to refund the total amount of {$2800.00} for the returned items. It is important to note that I have been a loyal customer of Discover Bank for over five years and have always maintained an account in good standing. This dispute marks the first time I have ever felt compelled to escalate a matter to this extent with ANY Credit Card i own, due to Discover Bank 's refusal to uphold its responsibility in protecting my interests as a cardholder. I would like to request the following actions from Discover Bank : I urge Discover Bank to thoroughly re-evaluate the evidence I have provided. It is crucial that they accurately assess the information and acknowledge the clear and compelling documentation I have submitted in support of my dispute. 

And ultimately, Reverse the charge of {$2800.00} to my account, immediately.
Consumer complaint received 2023-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, XXXXAccount name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2020-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I have an account with PayPal in which i was having my Georgia unemployment benefits deposited into. I have zero fraudulent activity and zero chargeback history on the account, the account is only used to receive my funds each week and then i would transfer them to a Prepaid Paypal mastercard account to access them. 
Well, on or about the month of XXXX of the year 2020, Paypal placed a limitation on my account and requested that i verify my identity by providing a bank statement from the prepaid card i was sending my money into. I did just that and paypal proceeded to lock my account and tell me that they would be holding my funds for 180 days. 
From what i understand, this is done to prevent chargeback losses to the company, however, as i have said i do not have any fraudulent activity or bad transactions on my account. I feel like i have been taken advantage of and i demand access to my money. 

My name is XXXX XXXX and any help with this matter would be appreciated.
Consumer complaint received 2023-06-13
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. (GA)

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.
Consumer complaint received 2023-06-13
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. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

This is the SECOND time this has happened with this company. 

This time, it is an XXXX XXXX XXXX bill. 
XXXX Acct : XXXX Afni Acct : XXXX {$35.00} balance due. 

Just like last time with XXXX, I called the one who is allegedly owed a debt, XXXX XXXX XXXX. 
They said that the account number wasn't a correct account number and therefore couldn't verify anything. I confirmed that they had no number with the name and they sent me to a fraud reporting line. 

I tried calling AFNI. They sent me to a supervisor 's line, but the supervisor wasn't there and it went to email. 

Please keep me informed on the results of this complaint in case I wish to pursue legal action. This is the second time I've had issues with this company. Last time, they threatened legal action against me if I didn't respond within a few days.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (CA)

XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to midland mortgage. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to Midland Mortgage. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.
Consumer complaint received 2023-06-13
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. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
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 would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Acct # : XXXX This is a closed account. 
XXXX XXXX closed this account on their own almost 6 months ago yet they are still reporting a payment status every month for the last 5 months. Before the account was closed it had a positive payment history. How can a closed account still report a payment status? This is inaccurate
Consumer complaint received 2023-06-13
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. (TX)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (NJ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!