davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (AZ)

LINEBARGER GOGGAN BLAIR & SAMPSON LLP is trying to collect a debt that does not belong to me. I do n't live in XXXX, and or have a license plate No : XXXX or ever lived in the city of XXXX. I live in Arizona and have lived in XXXX since 2004. This debt does not belong to me.
Consumer complaint received 2023-10-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MN)

I called the debt collection agency, XXXX XXXX, on XX/XX/2023 and requested a current bill from them so I can pay the debt. I explained that I am moving into a new apartment, but my application approval for the apartment is contingent on me paying the balance owed to my old landlord which appeared on my background. I contacted my old landlord ( rental management company ) and was informed the debt was sent to the collection agency, XXXX XXXX, and was given their phone number XXXX to contact the debt collector. When I called the XXXX XXXX at this number, I explained the situation, requested a current bill, and was told that I would receive a current bill via an email within XXXX business days. My email address was verified during the call. I called XXXX XXXX again on XX/XX/2023, as I have yet to receive the current bill from them or any correspondence from them since my call on XX/XX/2023. I explained to them that I am living at a hotel, as I cant move into the new apartment until I receive this bill and pay the balance. The representative with XXXX XXXX stated they saw my request in their system, but that XXXX XXXX requested verification of charges with my old landlord and have not yet received response from my old landlord. The representative stated that have not sent me the bill yet, as they are waiting on the verification of charges prior to sending the bill. I expressed that this is unfair practice as this information is on my background/rental history as unpaid, but they are denying me the necessary documentation to make the payment. They representative informed me that they legally have 30 days to provide this, but that statement does not seem accurate from my research. I requested to speak with a supervisor but was told the supervisor was busy and couldnt take my call. I then requested they send me documentation of this process and was put on hold, then hung up on.
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (NM)

This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I do not have, nor have I ever, had an account with XXXX XXXX. We 've been with XXXX for over 10 years and currently only purchase high-speed internet through them. We do n't have cable TV or a landline telephone since our family members all have cell phones XXXX. 
I never opened this account which could be readily verified by XXXX XXXX checking the service address. When we still had a home phone, we told them repeatedly when they called to collect the debt that they had the wrong XXXX XXXX.
Consumer complaint received 2024-08-13
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Disputed a debt with Transunion stating that the same debt is being show twice, once by the original creditor and once by the assigned/sold to collection company. XXXX Disputes ( XXXX Bank ) is being reported as delinquent but closed for {$16.00}, XXXX and they sold the debt to XXXX which also has the debt listed on my TU credit file a second time with a different delinquency date and same amount. This is double jeopardy and illegal. Anyone looking at my report sees XXXX bad items ( original debtor reporting and collection agency reporting same debt ). This is unfair practice and illegal manipulation of the system.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (GA)

I have notified LVNV FUNDING that I was a victim of Identity Theft, my wallet was stolen, I provided LVNV FUNDING with a Identity Theft Affidavit. To date, LVNV FUNDING has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XXXX XXXXXXXXXXXX RE : Account # XXXX CONSUMER COMPLAINT/FIRST XXXX RE : ID THEFT VICTIM I was a victim of Identity theft and did not give written or verbal, authorization for this account or any account to be opened with this company. I had a fraud alert in place with all three of the major CRA. I have submitted ALL of the proper and requested documentation requested by XXXX XXXX XXXX. I have sent via USPS as well as faxed requests for the account to be removed from my personal credit report. They have not only refused to acknowledge my repeated requests to complete their investigation that they do internally, they will not stop calling my work cellular phone that they obtained the phone number via their caller ID method of tracking people that are in collections. I contacted this company as soon as I was made aware of the several other opened credit accounts, collections and inquires that were obtained with my personal and private information. I immediately filed a police report, contacted the FTC, OAG office, and the CRA 's to start the grueling process of returning my personal credit score to where it was before this debilitating act of fraud was committed against me. I can not get a mortgage loan, bank account, car lease, or any other forms of banking and or financial products and services now because of this company violating my rights under the Victims of Identity theft ACT, initiated by the federal government. I do not know what more I can do to get this company to respond to my repeated pleading of removing the fraudulent and inaccurate negative information to the credit reporting agencies. I am also at risk of potentially losing my job due to a new policy that is going to go in to affect with my company due to the poor credit score and history that I am being punished with for a crime someone else committed. Please Help Me? 


Acknowledgement from Ohio Attorney General I agree that the information given above is true to the best of my knowledge and belief. 

Thank you for filing your complaint. You should receive an e-mail confirmation of your complaint within 24 hours. 
Your complaint reference number is : XXXX If you have any additional information, please contact the Ohio Attorney General 's Help Center at ( XXXX ) XXXX. Please have your complaint reference number ready.
Consumer complaint received 2015-06-18
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (MD)

I keep keep receiving phone calls from a company that says I owe {$1200.00} from a payday loan in 2011. I keep getting harassed saying if I do n't pay the money, I will go to jail.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family. I have made countless attempts and Do n't know what to do.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

A little less then 6 years ago I lived in XXXX in XXXX XXXX, ca with my roommate XXXX XXXX. When we moved out he gave them his mail forwarding address and I did n't have one at the time. We left them our {$700.00} deposit. After couple of months I received a phone call from FCO stating that me and guy owe {$590.00}. I explained them I have n't received any bills or phone calls from them and I 'm willing to pay my half and they can collect the other half from guy. They promised me that if I pay my half they wo n't report it to the credit bearus. After couple of months I saw that they did report it to my credit bearus as " settlement amount paid less then amount owed ''. If I would 've known I would 've paid them the other half too just so it wo n't be on my report. I called then and send them over 10 letters and offered to pay the other half but they 've been nothing but rude stating " it is what it is deal with it ''. Very very rude customer service they treat you like you 're a criminal.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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 2024-08-20
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. (TX)

UNDER ACT XXXX XXXX XXXX SECTION XXXX SAYS " I HAVE THE RIGHT TO PRIVACY ''. XXXX XXXX XXXX XXXX XXXX STATES " A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS ''. UNDER XXXX XXXX XXXX " A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

PLEASE UPDATE THE FOLLOWING ACCOUNT TO PAANL -- - XXXX XXXX # XXXX -- -
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (IL)

I sent XXXX a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company responded by writing that the loan had been transferred to another company. They did not provide proof of debt ( signature or otherwise and kept reporting on my credit reports. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.
Consumer complaint received 2016-02-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MD)

I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. 

I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. 

I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. 

Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. 

When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I submitted a complaint previously against Pentagon Federal Credit Union, Case # XXXX, which resulted in a response from XXXX stating that Pentagon Federal Credit Union would reduce the interest in the amount of {$540.00} for 2016. This was in response to my complaint of extra payments not applied toward principal as per my request. I believe that the {$540.00} should have gone into principal and not in a reduction of XXXX XX/XX/XXXX, I received a letter stating that a new escrow analysis revealed a shortage of {$520.00} over 12 months which I paid in order to keep my payment at XXXX. XXXX is not applying payments correctly online as per customer request. I have to call to have them correct it on a consistent basis. I made my XX/XX/XXXX payment {$10.00} over the XXXX XXXX {$950.00} XXXX payment as per XXXX on the letter dated XX/XX/2016. The {$10.00} was not applied toward principal. This is after flagging my account to service it correctly.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENTAGON FEDERAL CREDIT UNION (DC)

Good evening, I am a member of Pentagon Federal Credit Union ( PFCU ). I 've been paying my mortgage for the last 8 years at a rate of 6.125 % fixed. I 've been trying to refinance with PFCU since XX/XX/XXXX and my application is rejected every time due to the loss of my home value. I do n't have a XXXX or XXXX XXXX loan so I do n't qualify for other programs. Recently, in XX/XX/XXXX I changed jobs and my income was significantly reduced. In XX/XX/XXXX, I missed XXXX payments ( I pay every two weeks ) for the XXXX time. So now I do n't qualify for the new HARP program. I submitted a hardship application to PFCU ( XXXX in two years ) with all the paperwork required, including my retirement ( TSP and XXXX ) statements, income, expenses, etc. I requested a loan modification to reduce the biweekly payments and/or interest since I am overextended with my bills. The application was rejected again. What really upset me was that their argument is that I should take money out of my retirement account and take the 10 % IRS penalty to pay my mortgage. I was not evaluated based on other eligibility requirements. That may solve one month or maybe two but what about after that? My income is still too low. In a written letter, PFCU says that my best option may be to find more affordable housing. As an alternative to foreclosure, I may be able to sell my home in pre-foreclosure sale or short sale. PFCU also suggested deeding my home to PFCU as another option. I owe a little over {$110000.00}. My home is worth less that {$70000.00} due to the economy and numerous foreclosures in my neighborhood. I live alone and depend on myself only to make a living and pay bills. I feel like my back is against the wall and I 'm being set up for failure not only in the present but in the future. This bank does n't want to work with me. The " Hardship Application '' process is a hoax. It was a waste of my time and they only wanted to know where I could find money and are not trying to lower the interest rate of my loan.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (CA)

Company never sent letter to advise me of this supposed debt. I found out about this from pulling a copy of my credit report ( s ). 

I have never heard of or have done business with the original creditor as stated on my credit report ( s ) by this collection agency. 

I have attempted to obtain information on the original creditor and it appears to be a " Pay Day Loan '' type of business. I have never needed or used the services of a Pay Day Loan or Cash Advance type of company. 

This debt is absurd.
Consumer complaint received 2016-09-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Describe what happened so we can understand the issue ... 
Contacted on XXXX XXXX CST by XXXX XXXX HR Manager ( XXXXXXXXXXXX ) and Hiring Manager and XXXX XXXX ( XXXXXXXXXXXX ) Human Resources Department for XXXX XXXX XXXX XXXX for a online interview and briefing for a position on the job search engine XXXX., All of the company history and stats were provided. Our temporary office is located at XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX, United States. Expanding their businesses/customer reach by setting up a branch in XXXX, AL which will be commissioned on the XXXX of XXXX and that 's why we are employing online. I was advised that it will be strictly an online and work from home job until the branch is commissioned. The working hours are flexible and you can choose to work from anywhere of your choice. The pay is {$25.00} per hour during full working hours and the training is {$18.00} per hour and you will be getting your payment weekly via check or direct deposit working 30 to 40 hours weekly ( 6-8 hours daily ). If you are employed, you are going to be working as a full time employee and not an independent contractor. Benefits : Health, Dental, Life and AD & D Insurance, Employee Wellness and 401k plans. Paid Time Off and Holidays with Generous Company Discounts. 
The website was provided and the position description, Also, particular software was needed for the position and their would pay for it ( XXXX XXXX XXXX XXXX, XXXX XXXX for XXXX, XXXX, XXXX and a Time Tracker ). The funds for the software/working equipment will be provided for me by the Company via check. The check will cover the cost of a laptop, printer, scanner, time tracker with a fast internet connection you need to start working with. The check was mailed and delivered to my home via XXXX or USPS courier service and once I receive the check ; I needed to have it deposited to my bank account for immediate clearance. The funds will be credited and available in your account for cash out within 2 business days. I needed to purchase the working materials from any of the their certified vendors who we have been buying from for years. A check was mailed via XXXX. I opened a separate business account just for this job. On XXXX/XXXX/16 the check was deposited. Regions back cleared the check on the XXXX. I took the monies allocated for supplies and deposited in the vendor account with XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX : {$3600.00}. 
The bank cleared the check and then held me accountable for the cashier check not being valid. I have the bankers name and documents to support all.
Consumer complaint received 2024-09-19
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. (CT)

According to 15 USC 1611 ( I ) I have a right to privacy. There are several inquiries on my report that doesnt belong to me. Please remove these inquiries. There has been reports of a data breach and it has effect my credit report and score. I believe the company has to be responsible to adhere when something is wrong. All inquiries need to be removed from my report. Also there should only be two ( 2 ) addresses on my report I have not lived any where else. Addresses are not mine