davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

I received a phone call on XX/XX/XXXX at XXXX from XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) requesting a call back which I did at XXXX. 

I was told they were representing Wells Fargo and attempting to collect a debt from XXXX. The rep explained that Wells Fargo added overdrafts, fees, and interest after the account was closed. The rep confirmed our home address and stated that paperwork was sent, and the call was nothing more than a courtesy. 

The rep didnt provide any proof of the debt and stated numerous times that if I didnt pay in full today there would be consequences as follows : 1. Lawsuit 2. Guilty of fraud 3. Garnish wages 4. Property lien 5. Report us to XXXX XXXX 6. Loss of bank services from my current bank 7. Bank checks and cards will no longer work 8. Inability to get a new credit 9. Credit score will be terrible I felt threatened, extorted, and had no option but to pay this to avoid all these actions despite not being aware of this debt or receiving any notice by mail or otherwise. My wife and I are very diligent about paying bills and opening all our mail. Had we received mail we would have contacted them immediately. 

Fearful of repercussions I paid the full amount of {$1300.00}.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

There are XXXX closed mortgage loans that are inaccurately reporting 30 day lates. According to the notes, payments were made within 30 days of due date. I 'm having difficulties reaching them by the phone number on credit report to an attempt correction. The XXXX creditors are as follows : XXXX
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. no notice was ever given which is also a violation and am requesting that ALL inquiries below be REMOVED. 
XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pathfinder Credit Services (TX)

There is an item appearing on my credit file under Pathfinder Credit Svc XXXX this is unknown and reporting as owed {$5900.00} and the last payment made was XX/XX/2010. I have disputed and requested validation nothing has been received.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX XXXX  can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.
Consumer complaint received 2022-08-31
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. (NY)

XXXX XXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never appliedXXXX XXXX XXXXXXXX XXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now XXXX cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.
Consumer complaint received 2022-08-31
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. (SC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, and 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 an account without my written instructions.
Consumer complaint received 2022-08-31
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. (FL)

These Credit inquiries were done fraudulently and were never authorized by me. I unlock my Credit to have my employer do a background check only. I would like for these to be removed. 

There is also a telephone number on file for creditors to reach out to me incase credit is being applied for in my name and no one called me to verify. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I have used Navient formerly XXXX XXXX to service all of my private loans. I was forced to take a forbearance because my loans had become delinquent as I was not financially stable to make the payments. This led to years of nonstop phone calls and hardship on my credit, which filtered out into other aspects of my life, ie : high interest rates on car payments, not getting approved for credit cards, etc. I have diligently pushed myself as a single mother of XXXX to rebuild my credit so I can provide a brighter future for myself and my children. I have worked feverishly to make all my payments on time for the past 3 years, however I have only been able to pay towards the interest of these loans. It has only been since XX/XX/2016 that a small fraction of my hard earned money has begun to be put towards the principal of the loans. It is a constant worry and stress on myself and my family thinking of how long it is going to take to repay this debt. Forcing someone to choose between being able to feed their family or make their student loan payment is cruel but sometimes a harsh reality. A little consideration and help can truly go a long way for someone who is struggling and does n't always have the means to make ends meet.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CO)

Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Ad Astra Recovery Services was reporting FALSE INACCURATE information to my consumer report. On XX/XX/2022 I disputed This inaccurate information with Ad Astra Recovery Services nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Ad Astra Recovery Services is currently RE-AGING this account which is a violation of FCRA sec.605, and also fraudulent. PLEASE REVIEW ALL MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE Ad Astra Recovery Services HAS BEEN ILLEGALLY AND FRAUDULENTLY RE-AGING THIS ACCOUNT UNLESS THEY CAN PROVIDE THAT I HAVE MADE PAYMENTS IN THESE TIME FRAMES.
Consumer complaint received 2022-09-01
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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC (FL)

I was a victim of a scam, they offered me a job and also they hacked my email. My first problem was with XXXX XXXX, and also then XXXX XXXX XXXX. I have the complaint submitted to the police, the evidence and everything proving that I was a victim indeed. I didn't use any money or anything. Also I can't open a bank account and have a normal life for many years now. I need to fix this. The company is giving me vague answers and no help at all. Early warning is the reason I can't have a bank account like a normal human being, it's stressing and extremely upsetting at this point. Because they never seem to help out or have real responses over the phone or by mail. I want to be able to open a bank account, I was a victim of scam and hacking more than 3 times, money was removed from my other accounts many times and also I have this heavy load of not being able to open a bank account with my family.
Consumer complaint received 2022-08-31
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: CLGF Holdco 1, LLC (NV)

In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

1

5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX aoount number 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (TN)

I have made complaints on ability recovery service for not validating my debt they say they have but have not provided break down of cost or any contractual agreements or even a hippa release and nothing was done but this compliant is about something much worse they have deceived me 3 times now first time I called I was told there was no debt attached to my name the second time was when I called them back and let them know the new law passed will remove all medical debts below XXXX from credit reports they tried to convince me that wasn't true witch is lying to me to get me to pay a debt witch is illegal and a violation subject to XXXX $ fine and when I got their response back today I found out not only have they hid who bought the debt they also have a false company that doesn't exist anywhere any my credit report witch the fdcpa clearly states only accurate info is to be reported the alleged debt came from XXXX XXXX but is listed on my credit report as XXXX XXXX XXXX  witch they told me they represent then just today I found out the true debt buyer was XXXX XXXX  so now you know they have decived me multiple times have failed to give me 30 days to validate or show any contratual agreement or hippa release to validate anything reported inaccurate information hid the real debt collector and lied to me about the law if this isn't enough to fix this problem then no one is even trying at this point and you know they are lying due to seeing my first compliant and thier response naming a whole new debt collector it's all there I have also submitted a compliant the the XXXX  and sent a validation letter to the company so we will see what supporting documents the really have ( I doubt any at all ) I will submit complaints on XXXX  to if I have to but I would like the ones who lied to be and violated the laws to do what's right after being so unprofessional
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX ) account number 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

Resurgent Capital Services Claim that I owe Some account ending in XXXX. 
XXXXXXXX XXXX All my accounts were paid. 
XXXX XXXX XXXXXXXX I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. 
I need help for them stop. 
Sincerely XXXX & XXXX XXXX
Consumer complaint received 2022-09-01
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. (CA)

I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus XXXX, XXXX and transunion have yet to remove these files from My credit report and update my credit report promptly. IT has been XXXX  months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

To whom it may concern, I have been trying to obtain mortgage assistance on with my lender PNC and my investor -XXXX XXXX. I have provided evidence of my hardship and my financial situtation. My hardship was due to a car accident. I was force to pay out of pocket medical expenses. At that time I only depend on my fixed s.s income. Because I was force to pay for medical bills and other fees. I did n't have enough money to afford the full mortgage payment. I contacted my lender before my mortgage was in default and I was informed that I was n't delinquent enough to ask for assistance. I was trying to avoid a foreclosure on the house. My insurance has reimburse me back XXXX % of the fees that I had to pay. I do not have full funds to reinstate my loan, but I have enough funds to afford my mortgage payment. I have obtain a job, plus I have my fixed income. I can say with great confidence that my financial situation is stable. I have been trying with both my lender and Investor to obtain a modification. However they denied my modification because they do not have enough authority to make a decision on the loan. I feel that I 'm been discriminated because of ethnicity and age by PNC and XXXX XXXX XXXX. My monthly gross income is {$5000.00} and my monthly expense including the mortgage payment are {$2800.00}. Plus, I have money saved to pay additional fees if need. My goal is to keep my home and pay what I owe. I writing to you because i feel like my request for mortgage assistance is not been review property. I 'm hoping that you can reach out my lender and investor and investigate. 

Thank you in advance for all of your help.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. 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 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-31
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. (IL)

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law.

Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

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 famish an account without my written instructions.

1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MA)

My Experian credit report displayed an address at which I 've never lived. XXXX XXXX XXXX XXXX, ma The only place in XXXX at which I 've lived is XXXX XXXX XXXX XXXX ma. That was over ten years ago.