davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd. (FL)

On Wednesday, XX/XX/2023, XXXXXXXX XXXX I was contacted at my place of employment by XXXX XXXX, the info is below. 
XXXX XXXX Senior Account Representative The Leviton Law Firm XXXX XXXX XXXX, Supervising Attorney Admitted to Practice in Illinois and the District of Columbia XXXX : XXXX Fax : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX emailed me on Wednesday, XX/XX/2023, at XXXX XXXX, regarding a collection issue with my Employer. I am the XXXX XXXX for XXXX XXXX XXXXXXXX of XXXX FL XXXX This debt is due to an audit that XXXX XXXX XXXXXXXX owes. The business is having financial hardships and wanted to pay {$100.00} a month, all that could be budgeted at the time. XXXX XXXX and I went back and forth in emails, as he insisted I call him. I refused to call and explained I wanted everything in black and white to keep the conversation in emails. This upset him. And then the threats. This invoice was not even 30 days late yet. ( Please note previously that our office already had to block a couple of other associates from this company due to being harassed for a bill that wasnt even due yet. Calling and being extremely rude to the admin at the front desk, and the threats ) I checked my email when I arrived home that day after work. And there was an email from XXXX XXXX regarding Debt information for XXXX XXXX XXXX 
Not only did he email to my personal email, but also to my additional personal email address, which I have several. He also sent it to my previous employers The subject line read. 
XXXX : XXXX XXXX XXXX XXXX XXXX Debtor - XXXX XXXX XXXX OF CENTRAL FLORI/ XXXX XXXX XXXX XXXX XXXX XXXX I am NOT an owner or principal of XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX. 
XXXX. This is Not my DEBT or my responsibility. 
XXXX. I never gave XXXX  or XXXX XXXX permission to run a background check on me, nor did he legally have a cause. 
XXXX. It is very clear he ran a background check. As I go by XXXX XXXX, everything says XXXX. Not XXXX, as in the Subject line 5. The last name XXXX, in the subject line, is from a previous marriage over 15 years ago. 
XXXX XXXX assumed I was an owner or principal of XXXX XXXX XXXXXXXX, which owes the debt, instead of doing his proper research, This is very threatening to me, as if he purposely did this to scare me and let me know he can find me anywhere or anytime. I feel completely violated as if I have been being stalked. He now has all my personal information, address, family connections, everything. Now I live having to look over my shoulder ; XXXX  is crazy.
Consumer complaint received 2023-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Uplift, Inc (NC)

I'm not sure if this is the correct agency to report my grievance. I've received XXXX notices of debt collection. The lender was UPLIFT INC. and they sent it to XXXX XXXX XXXX XXXX. for collection. I have submitted an ID theft report to UPLIFT. I had to file and pick a police report as well. Today when I updated my ID thieft report through XXXX. I received an automated response. ( I also have a credit lock in place ) Here is part of what was sent to me : How to Uplift. 
Shop for your items and add them to your cart just like you normally would. When you are ready to checkout, simply select Uplift as your payment method. Youll need to provide some basic information like your mobile number and the last XXXX digits of your social security number to apply. If youre approved, finish checking out and youre done. XXXX simple steps to experience Buyer 's Joy! 

Uplift and your Credit.

Uplift commits to a refreshingly surprise-free, clear handling of your credit! Here is what you can expect when you apply : Verify your identity and determine your eligibility with a soft credit inquiry ; a soft credit inquiry does NOT affect your credit score!

US-Customers : NO hard inquiry, at any time, for any loan! 
CAD-Customers : Yes hard inquiries are done for all loans. 

No it's up to me to spend my time to prove this was not my transactions. Thankfully, it has not posted to my credit report yet.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX  # XXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, XXXX XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

1 ) XXXXXXXX XXXX {$2000.00} Loan Opened : XX/XX/XXXX ; Term : 36 Months ; Closed : XX/XX/XXXX XXXX ) XXXX {$1900.00} Loan Opened : XXXX XXXX, XXXX ; Term : 36 Months ; Closed : XX/XX/XXXX 3 ) XXXX {$910.00} Loan Opened : XX/XX/XXXX ; Closed : XX/XX/XXXX 4 ) XXXX XXXX {$1300.00} Opened : XXXX XXXX, XXXX ; Closed : XX/XX/XXXX XXXX ) XXXX XXXX {$3400.00} Opened : XX/XX/XXXX ; Closed : XX/XX/XXXX My identity was stolen through the deep/dark web ; my personal emails, my phone number, my private bank information, including passwords and usernames were used for the benefit of the theft individual.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (IL)

IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2023, I applied for a Capital One Spark Business Card. I was approved with a {$5000.00} limit ( card ending in XXXX regarding XXXX ) and sent a welcome letter. I was immediately provided a secured link requesting a driver 's license, proof of residence, and social security card, all of which I submitted at that moment. I was asked for this information several times, each time submitted through a link I received from Capital One- After a few days of this, I needed clarification from Captial One, and they explained that my identity could not be verified. Before this notification, the card had arrived at my office. I linked it to my existing Capital One profile ( which has two other Capital One products ), which made this decision even more strange. I asked the reason and was given the same answer : unable to verify. I wanted to know what I should do with the card I had in my possession. " Do what you want to do, as the account was locked, '' was their response. It was suggested to reapply, which I did, and was approved again. 
Once again, I was asked to provide the same docs. I requested a fax number this time. I visited a XXXX  location scanned and faxed the docs to XXXX. Days later, in early XXXX, while driving, I received a phone call from the Capital One Fraud team requesting my driver 's license via a secure link. I pulled over and scanned the DL. I was approved, but this approval was for only {$500.00} ( card ending in XXXX ). In my reapplying, I was under the expectation that starting the process over was to reopen the application that the fraud team locked. I diligently provided document after document just to be told no, apply again, and get a lower limit when, all the while, I was feeding the same info and took hits to my credit report. The initial card with the {$5000.00} limit shows open on my credit report and its inquiry, but they can't verify my identity?
Consumer complaint received 2023-09-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FCO  has been filing to credit bureaus, since XXXX, claiming that I owe them {$8300.00} from XXXX to XXXX. I advised that the charges were erroneous and that XXXX XXXX XXXX  did an illegal eviction on XX/XX/XXXX. They claimed that I had an unauthorized person living in my apartment. I immediately called the management office and insisted that they inspect the apartment. They advised me that someone would inspect the apartment. However, they never inspected the apartment instead they sent vacate letters and lease termination letters multiple times. They locked my tenant account and was basically forced to leave. I had no choice but to vacate with my XXXXXXXX XXXX XXXX  children. I am unable to secure an apartment and was left homeless due to this issue for over 7 years. 

They continue to file with the credit bureaus affecting my credit. I continue to get denied my birth right to have a place of residence. I have worked diligently with the credit bureaus to improve my credit and disputed the charges. But FCO  continues to file with credit bureaus and reset the clock. The statue of limitations in the state of NJ is 6 years. Please help me to resolve this matter so that I can have a place to live. XXXX XXXX is notorious for retaining initial deposits, adding erroneous charges and illegal evictions. They need to be stopped as they have monopolized the entire XXXX XXXX region.
Consumer complaint received 2023-09-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

PennyMac Loan Services LLC filed for foreclosure in XXXX of XXXX. The case was withdrawn now they are claiming that i requested a reinstatement quote in a letter they sent out dated XX/XX/. And they are saying I owe them {$21000.00}. I never requested any of this information and I sent out a certified letter dated XX/XX/XXXX  with tracking number XXXX XXXX XXXX XXXX demanding they produce the document that they say I sent, them requesting a reinstatement quote. They sent me out another Foreclosure Notice instead of the proof I requested. I have no reason to request a reinstatement quote because the Foreclosure was withdrawn. XXXX XXXX XXXX XXXX. also has threatened me again with filing for foreclosure this is their lawyer.
Consumer complaint received 2024-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$22000.00}.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I feel the CFPB needs to look into the new tactic being used by credit card companies to directly impact consumer credit reports. Companies are arbitrarily reducing credit limits to just about the current balance, resulting in a dramatic jump in credit usage %. Then on the letters that are sent out as explanation of the adviser action, they can not specifically answer which factors/items from the credit report relate to the reasons. This acts adversely on a consumers credit score, when they usage goes from 32 % to 82 % overnight, without any fault/action of their own. When I recent ; y inquired to CITI Bank as to why for the 2nd time in a year they reduced my credit limit, I was advised to see the notice in my document center. Which I located and then asked for the specific factors that related to the 4 reasons listed. I continued to receive answers of if there was an issue with my credit report, I needed to contact them for why. So I read the document that said the decision was made by CITI and not the credit bureau and to contact CITI with questions. Even after 3 customer service reps and an hour of my time I got no serious/real answer other than that they could. Which by the terms they can, change it at any time. However I feel they are abusing the ability to do so, to manipulate consumer credit scores and charge the highest rate allow, due to the resulting score decrease. This behavior on their part is generating massive revenues for the credit card companies and costing already strapped consumers massive amounts of money. 
Reasons were : Length of credit history ( I have had credit card with Citi/Home Depot alone for 3 years ) Payment pattern on account, I have never been late, payment made early or on time for 3 years. 

Number of recent credit inquires. When I went on XXXX it showed 9 inquires over 2 years. 

CIT is not the only company using such tactics, XXXX engages in the same actions.
Consumer complaint received 2023-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

Ive received calls from XXXX XXXX about a debt and Ive been trying to contact them back but no one responds back. Ill actually like to solve the debt but I need a good representative thatll help me out and be honest about the debt and issue since this company has received a lot of negative reviews involving scamming and fraud.
Consumer complaint received 2023-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Ive reached out to Equifax asking for verification of a debt and asking that documentation along with signatures be provided that proves that I owe said debt. I believe that the debt does not belong to me and asked that it be investigated and removed if documentation could not be provided to link me to said debt. I have had several issues in the past getting this resolved hence the reason why I asked for validation which includes signatures and supporting documentation. None has been provided and this is causing me great pains and detriment. I may have to seek legal counsel if this isnt resolved in a timely manner. XXXX XXXX XXXX is the party I am disputing in two amounts totaling {$4500.00} and for {$740.00}. XXXX could not have possibly verified this debt because no sooner than my request for validation was sent it was return in less than 30 days so it leads me to believe that thorough investigation was not implemented. I needed them to do a thorough investigation for instance requesting the ledger balance if need be or signed documents that I have signed. XXXX more than likely is taking the word of the company and is not actually pulling documents to confirm these allegations and its very harmful to me as a consumer. I have reason to believe the apartment complex under the new management is trying to extort money out of me due to all the repairs that were needed in the unit that were not caused by me for example the mold, rotting patio that fell forward as well as the hole in the wall due to the foundation problems all of which I have photos of as proof. This company is trying to have me pay for those repairs all because I decided not to renew my lease with them. They were increasing my rent with no upgrades. I decided ri leave. Please see attached photos.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NV)

This is regarding complaint number XXXX This issue is still not resolved. I got a email from Affirm. It says : Your loan has been charged off XXXX, Your loan XXXX has been charged off because you've had an overdue payment of {$390.00} for XXXX or more days. We will no longer contact you and your loan may be referred to a third-party collection agency. You are still responsible for your overdue balance, which can be more than your overdue payment. Sign in to your account to see more details. If you've already made a payment, please ignore this message. Thanks for using Affirm! If you have any questions, you may call us at ( XXXX ) XXXX. Loan ID : XXXX If you need help, visit our Help Center. You are receiving this email because you conducted a transaction with Affirm. Visit us at affirm.com to view our Terms of Service or our Privacy Policy. I do not owe this debt at all. On XX/XX/2023 I returned the equipment back to XXXX and XXXX XXXX siad that they got the equipment back. On XX/XX/2023 I sent prrof to Affirm at XXXX XXXX XXXX that I sent back the equipment like they asked. Affirm has not fixed this matter and it has been several months.