davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC (CA)

Recently wrote to Pendricks capital partners. I explained to them i was victim of identity theft. Someone used my information in Florida for credit cards and medical bills. i live in California .. they have been removed off of my credit report by credit reporting bureaus and also some by Pendricks . however some collections are being reinserted by their partnering data furnishers and shell companies. i recently wrote to Pendricks they said to send them the report of identity theft. so that the incident does not keep happening. attached is my report from the Federal Trade commission. Please stop collecting on debts not owed. I have communications with your company well documented Its difficult as it is dealing with someone even today still trying to run my credit and open utilities in my name. much less old medical bills. i have a XXXX score I have health insurance. My credit is very important to me.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report.. Remove the late payments on XXXX, XXXX XXXX XXXX XXXX XXXX,
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. (MD)

I am submitting my complaint to inform you that the 2 credit bureaus failed to do their obligation to remove such inaccurate items on my credit file. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 2 Credit Bureaus are reporting inaccurate information. Please simply " Remove '' the items. These fraudulent items are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report that should be delete : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
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 — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: First Associates Loan Servicing LLC (OK)

I found out from a letter sent to me for collection of a debt by XXXX XXXX XXXX in the amount of {$18000.00} on behalf of XXXX XXXX XXXX XXXX for a student loan I never authorized or knew about made by XXXX XXXX XXXX. If ANY Personal loan was taken or entered into by XXXX XXXX on my behalf I did not authorize the loan, was not aware of ANY loan or told about such a transaction and it would be fraudulent and WITHOUT my consent, I need am trying to get this loan removed or discharged and have not recieved response from XXXX. I have disputed this fraudulent loan with XXXX, I have filed a police report with our local Police Dept for identity theft. Please help me to get this fraudulent account closed and removed from my credit report. I can send a copy of the police report and letters sent to the collection agency and XXXX if needed. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-16
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. (CA)

I submitted an identity theft and police report to XXXX, XXXX   and Equifax and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.
Consumer complaint received 2019-03-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfilio Recovery has continued to call my job several times a week after I explained I can not take personal calls at my job since I work the switchboard - they now have started Robo calling my employer the recording says it is an attempt to locate me. They have been told not to call here but the rob calls continue
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

On or around XX/XX/XXXX, Select Portfolio Servicing submitted to us the results of the annual escrow analysis report. 
The report indicated that there was an escrow shortage of {$1600.00}, on page two section C, of the report. The report also provides instructions on how to pay off any escrow shortage, if one is inclined too. 

Pursuant to the instructions provided by Select Portfolio Servicing, we submitted a payment of {$1600.00} on XXXX XXXX and called Select Portfolio Servicing to inform them that the escrow shortage is being paid for in full. Please review the attached proof of payment for the escrow shortage. 

During our conversation with Select Portfolio Servicing representatives, we were told that our monthly payment would be adjusted to reflect that the escrow shortage had been satisfied. 

However, as of today XX/XX/XXXX, our monthly payments have not been adjusted. In a letter from Select Portfolio Servicing dated XX/XX/XXXX, we were informed that our monthly payment was being held in an unapplied account and that our mortgage was delinquent. This XX/XX/XXXX letter also threatens to submit derogatory and incorrect information to the credit bureau. 

In a XXXX XXXX letter Select Portfolio Servicing, erroneously claims that our XXXX mortgage payment was not paid. Select Portfolio Servicing, also states that a {$25.00} late charge has been assessed to our mortgage account. 

It should be understood that all of Select Portfolio Servicing claims are bogus. Please find the attached proof of payment for the following : 1. Escrow Shortage {$1600.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 2. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 3. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 4. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX We demand that Select Portfolio Servicing apply the Escrow Shortage payment correctly. Then apply our XXXX, XXXX and XXXX mortgage payments correctly. All late charges and fees must be reversed. Finally, any and all derogatory or incorrect information sent to the credit bureau must be removed. 

Thank you, XXXX and XXXX XXXX XXXX XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I got XXXX, during my XXXX  I lost everything debit card my phone my social security card all my identification documents I lost everything. During my XXXX  there were a bunch of transactions I did not know about I gave no one access to my account or none of my information, I came home it took me 5 months to get into my account because of chime security measures but chime did not take these security measures as they easily let someone gain access to my account in XXXX. I came home XX/XX/XXXX and 5 months after that I get into my account there was a total of 241 transactions I did not authorize or know about and a total of a little over {$19000.00} of my money spent. I finally was able to dispute these transactions, chime denied my dispute 3 times with no real reason why, this is very frustrating they are not wanting to give me a temporary credit because I did not dispute the transactions in 60 days of it happening, but I could not do anything while I was XXXX  I didnt even know about these actions until I came home from XXXX.they are giving me dispute resolution dates for 60 and 90 days out this is very very frustrating I have kids, I did nothing wrong I want my money back from chime bank.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/ I contacted XXXX XXXX XXXXXXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX nor XXXX XXXX XXXX. XXXX  have responded to my request or discontinued reporting the associated fraudulent account to XXXX, Transunion, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Consumer complaint received 2019-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

Allied Interstate, LLC has called my cell phone number ( XXXX ) repeatedly but leaving no message. Yesterday they called five ( 5 ) times and four ( 4 ) times today so far. Company is in violation of settlement entered on XX/XX/ 2018 in  California. The XXXX XXXX County District Office, which headed the lawsuit against this company, has been notified of the violations incurred by Allied Interstate, LLC. 

A call log is being maintained should the DA 's Office request it.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was a bank error which occurred, and I have always been on time with no issues. Fraudulent activity occurred on my credit card with XXXX and I followed protocol and reported it stolen and lost to bank. However, the representative did not document correctly and immediately close the account which no longer exist. When I went to branch, they were aware of issue. My payment went to a different account versus the account title under my name. 


XXXX ( XXXX XXXX ) Account # XXXX Account Rating XXXX Type : REVOLVING Loan Type : CREDIT CARD Responsibility : I Remarks : CLOSED BY CREDIT GRANTOR Credit Limit : {$2500.00} High Credit : {$2500.00} Terms : Balance : {$0.00} Past Due : {$0.00} Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : XX/XX/XXXX Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : AUTOMATED Late Payments 2 1 0 ( 48 Months ) 30 60 90 Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Payment Pattern Months 1-12 : XXXX Months 13-24 : XXXX Months XXXX : XXXX  Months 37-48 : 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 — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a fraudulent account on my credit report, which I reported it to BANK OF AMERICA, XXXX XXXX, XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-06-26
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. (FL)

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$5300.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}
Consumer complaint received 2023-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a set of cameras from XXXX XXXX the tracking stated delivered to front door but i received it so I tried to resolve the issue with the company they kept giving me the run around so I went to my bank which sided with the purchase even after showing them that the merchant doesnt want to help I went as far to do a police report for theft of my packages because they are no where to be found and still my own bank wont assist telling me their investigation is concluded because there was no issues with the transaction Order date was XX/XX/2023 I spent {$650.00}
Consumer complaint received 2023-06-26
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. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MONEY SOURCE, INC., THE (AZ)

ON XX/XX/2019 I made some bill pays on line with XXXX XXXX online banking 1 payment was made to The Money Source for XX/XX/XXXX payment. But by error XXXX XXXX made two payment checks and were sent. I have been trying to get a refund from The Money Source for 11 day 's. Customer service wanted a proof of payment i down loaded it and emailed it to them, after they received it and a few days pasted. With no response I called customer service had done nothing at all and then said they needed a copy of my bank statement showing the transaction. I went to my local XXXX XXXX branch bank and had them fax a copy of the transaction to XXXX on XX/XX/2019. In speaking to a customer care person at XXXX I was told they would overnight a check. I made a call today XX/XX/2019 to see why no one returned my call and was told it had not been approved as yet. I asked why? I was told they didn't know. XXXX needs to get there head out of there XXXX 's and send my check ASAP. 





































Answer no one know 's. but they would send a check and it would take 2 to 10 days to receive. Say what!! I am XXXX years old and on a fixed income and have bills to pay and need it now, I will be charged late charges on my bill 's and harm my credit score. I was told they needed to listen to the recording to see if they had been offered overnight as of now I'm waiting for that phone call.personal info on request. XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion LLC Attn : Division of Privacy and Identity Protection XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Dear TransUnion LLC , SUBJECT : NOTICE OF BILLING ERRORDISPUTE, DISCREPANCIES IN PAYEE IDENTIFICATION, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES I am forwarding the attached document to your company for your immediate attention and action. This serves as my final demand and notice regarding the reinsertion or refusal to correct inaccurate information, even when presented with evidence of error from consumer credit reporting agencies. It is important to understand that such actions may be considered a violation of 611 ( a ) ( 1 ) and ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). These violations can result in statutory damages of {$2500.00} per proven violation. Therefore, the refusal to update my credit reports, without a legitimate reason, to reflect accurate information regarding unsecured accounts or alleged debts associated with the unknown creditor or furnisher may be viewed as a violation of the FCRA.

I kindly request that you promptly remove any incorrect items from my credit report and provide me with an updated credit report. Additionally, I expect you to update my consumer files, with the appropriate notation of Account disputed, with the consumer reporting agencies, as outlined in section 611 [ 15 U.S.C. 1681s-2 ] of the FCRA. The unresolved matter has caused me ongoing stress, anxiety, emotional and mental anguish, invasion of my privacy, embarrassment, and significant financial harm. I request that you inform me of the outcome of your investigation. 

Respectfully submitted, I am XXXX XXXX Citizen of Indiana state, All Rights Reserved without Prejudice