davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: Resurgent Capital Services L.P. (GA)

Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via USPS on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. I know my rights and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. 

Before contacting an attorney for legal advise I wanted to contact your agency for guidance.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my Transunion credit report and noticed inquires by XXXX XXXX XXXX that I didn't authorized. I've never done business with this company
Consumer complaint received 2023-06-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LT17 Services LLC (VA)

I am receiving repeated phone calls and text messages including associates and family members about a debt that is not owed. Everytime I call the number back I am given a different business name. The text messages state XXXX XXXX and I have been told the company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested an email address to provide the letter I have which states the debt has been paid in full ( has been paid in full since XX/XX/2022 ) and I have sent that letter to the email address provided XXXX. I called 2 of the numbers that shows up XXXX & XXXX numerious times to request the calls and text stop. I was able to speak to someone that stated the calls would stop in 24 hours but it has been a week and the calls and text are still occuring. Now when I call as soon as I request the calls to stop I am placed on an indefinite hold. I have literally stayed on the line holding until someone eventually picks up and disconnects the calls. I have also sent a cease and desist letter to fax number XXXX. I am unable to send a certified letter as they will not provide a mailing address. 

Case # XXXX
Consumer complaint received 2023-06-27
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. (MI)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - I.D . # XXXX ( XXXX ) or I.D . XXXX XXXX or Transunion credit reporting agencies. 
15 U.S.C. 1681 Section : 602 ( A ) state I have a 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. 
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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am requesting that these companies abide by the law and follow the rules accordingly.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

Received a call at XXXX MST, which is the time zone I have primarily resided for over 2 years. Additionally the company makes incessant calls while I am at work, refusing to identify themselves or the nature of their calls. Aside from having all calls from all callers forwarded to voicemail while I am working, the company continues to call back numerous times a day. This harassment and illegal contact tactics must stop.
Consumer complaint received 2018-01-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I requested a debt validation to prortfolio recovery and they only send me a debt verification on XXXX XXXX certified mail with the confirmation number XXXX and a return to sender that was received on XXXX XXXX by XXXX XXXX. 

I received the verification letter on XXXX XXXX on the mail. 

On XXXX XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX and they received on XXXX XXXX by XXXX XXXX and prortfolio recovery never respond to my certified letter
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (LA)

You velocity investments are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
Consumer complaint received 2023-06-26
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)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

I had an appraisal on my home in XX/XX/XXXX to have my XXXX removed. On XX/XX/XXXX, I made an over the phone payment to the mortgage company to lower my balance below the threshold required for removal. The XXXX was not removed. 

XX/XX/XXXX, the XXXX is still not removed after multiple calls inquiring as to why. The mortgage company then made me get another appraisal, which they are charging me {$190.00} for, because the previous appraisal expired after 90 days. The XXXX  was removed mid XX/XX/XXXX. 

Im seeking a refund for the XXXX payments that I continued to make after the first appraisal process was complete, from XX/XX/XXXX through XX/XX/XXXX. The company has already agreed that a refund will be provided. 

I called in XX/XX/XXXX and the company said the refund would apply to my XXXX payment. It wasnt. 
Then I called in XX/XX/XXXX and the company said it would be applied to my XXXX payment. It wasnt. Then I called again on XX/XX/XXXX, and now they company is telling me that it wont be resolved until XX/XX/XXXX. 

It is now over a year since this process began and they wont give me my money back after a mistake they made by not originally processing the XXXX removal correctly on XX/XX/XXXX.
Consumer complaint received 2023-06-27
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. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-06-27
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. (GA)

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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-06-27
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: FIRST NATIONAL BANK OF OMAHA (CA)

I AM VICTIM OF AN IDENTITY THEFT, I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, THE CHARGES THE PAYMENTS ARE ALL FRAUDULENT. I NEED THIS ACCOUNT TO BE REMOVED FROM XXXX XXXX CREDIT REPORT AS IT IS ONLY REPORTING ON THAT BUREAU. AGAIN THE CHARGES, THE PAYMENTS NEVER CAME FROM ME. IF THE PAYMENTS CAME FROM A BANK ACCOUNT UNDER MY NAME THAT IS ALSO A FRAUDULENT ACCOUNT. I HAVE SUBMITTED MY FTC REPORT TO XXXX XXXX NUMEROUS TIMES.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

I am in a lawyer based debt assistance program, XXXX XXXX, phone : XXXX. 

Received call from MACY 'S PHONE : XXXX I already sent letter and called them to notify of XX/XX/XXXXhandling my debt. 

Now receiving calls from MACY 'S ... and should not be.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial XXXX by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-06-26
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: TRUIST FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I previously filed a complaint that Nelnet did not accurately respond and you closed the complaint. My previous complaint was - XXXX I have a federal student loan that I have been paying on since XXXX. It started off at {$68000.00} and now its over {$110000.00}. I have been asking for my loan documents since XXXX of XXXX. I was told that they didnt have them and to check with the Department of Ed . I was instructed to file a FOIA request which I did in XXXX of XXXX ( XXXX ). The website for FOIA said they would respond within 10 days and I havent heard anything. I have reached out several times. Th first time was in XXXX and they said it was still in progress. I checked the status and as of today, its still in progress. 

Nelnet sent the XXXX consolidation promissory note. I have been paying on this loan since XXXX and should be eligible for loan forgiveness however no one can seem to find my original note. I need to speak with some re why it is now XXXX  years and I cant get any answers re my original contract.
Consumer complaint received 2019-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC (FL)

I had an old medical debt from XXXX that was resolved with the provider. Capio partners apparently purchased the debt in XXXX of XXXX and immediately put it on my credit report ... not only once, but they duplicated the collection two other times using various names of their same company.They put very similar amounts owed ( must have been willing to take a bit less on one to make it look like two different accounts ) and then you their are two separate names of the collection agencies however they are on EXACTLY the same parkway, " XXXX XXXX '' in XXXX Texas with slightly different suite numbers! They are doing this because I told their collection person who called me that I was in the middle of a mortgate ( mistake # 1 ) and then they IMMEDIATELY generated THREE separate bogus accounts on my credit for the most impact to my score!! When asked to verify, I still have not heard a response and for some reason the credit bureaus have said that the dispute was not supported so the information remains!! How does that happen?? They are literally creating double and triple jeaporady and they are the SAME COMPANY!! Capio Partners and XXXX XXXX   FIRM ... BOGUS and ILLEGAL! Not only that, the original debt was listed as a charged off account with XXXX and I paid it to them! Even if Capio purchased a debt from someone else, it was a charge off and should NOT be reported as an OPEN ACCOUNT on their records, further harming my credit!
Consumer complaint received 2023-08-10
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, have 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 2023-06-27
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-10-09
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-06-26
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)

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report ASAP : 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 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
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Someone tried to apply for a credit card threw capital one using my personal info and it was denied and it dropped my score, the reporting agency of XXXX XXXX and XXXX have take. Points but aswell they are not updating my credit scores as of last year in XXXX Ive been denied personal loans trying to purchase my first home I cant get approved for anything but people keep adding more XXXX to my credit report but they will. Not update it with anything positive so I can move forward with anything. This is really having a horrible influence with lenders and I cant buy my house Im being scammed out of from XXXX XXXX who is evicting me and keeping my XXXX down payment and quit excepting my house payments