davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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. (VA)

Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

Numerous Times I have taken action to either lower interest rates so my monthly payment could be lower because I am in the military and I have been in multiple situations that effected me financially and I could not afford the month to month payments. I have excersied and exhausted my extensions playing catch up with Ally Bank multiple times such as XX/XX/XXXX agin next month XX/XX/XXXX then the following year XX/XX/XXXX and lastly XX/XX/XXXX. I have continuously worked efforts out to contact ally on numerous occasions but I was denied repeatedly any sort of fair treatment due to my hardship. I would love to have to participate In SRCA but i dont meet the requirements so I am taking a huge hit.
Consumer complaint received 2022-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Account Services, LLC (FL)

Im disputing a claim from XX/XX/2020 when I was in the emergency room. I two insurance. I have primary insurance XXXX XXXX and my secondary is Medically Needy through Medicaid. My eligible following periods was XX/XX/2020 TO XX/XX/2020. Please see attachment below showing eligibility during that year. The XXXX XXXX XXXX XXXX XXXX billing department told me that I did I had a zero balance and they had both of my insurance listed. Your company has put me in the collection with inaccurate information. I attached proof of my secondary. I need this error corrected immediately. Im in the process of purchasing home. I find out about the collection wile Im in the process of purchasing a home from where my loan officer pulled my credit. Thank you for your assistant in this matter. Please feel free to call me to help me with this inaccurate information that was reported to the collection agency and credit bureau.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XXXX/XXXX/2020
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (PA)

Upon checking my credit report on XXXX, XXXX, XXXX, I did not sign any documents with XXXX XXXX payment {$140.00} which is showing on my credit profile as a collection. Which is a violation under 15 U.S.C FTC guidelines 1692g ( b ). 
Dispute debt collection allegations. I asked XXXX XXXX to verify this collection debt with a contract from XXXX XXXX  providing proof of signature that I owe this company. I ask XXXX to delete this from my profile upon the outcome of investigation & XXXX is saying as of XX/XX/year> the account came back verified but not specified, and the company is calling and texting harassing me. This is damaging my credit profile and hindering me from obtaining credit. Also I take care of my sick mother and it is stressful recieving text messages from a collection agency that I have no contract with. 

I never had an contract with this company.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

Hi, XX/XX/XXXX I sent a Debt Validation to a collection agency the name Jefferson Capital systems LLC, asking to verify an account that I am been receiving calls and letters from the agency. 
This was my request : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. 
I attached the letter that I submitted with the Proof of Received from the Company.. 
Also I attached the respond of the collection without validation of what I request as you see is just piece paper with out my signature. The mention that status of limitation is until the laws allow them to do it, they did not sent me any proof that I agreed to pay the collection or agreed to sold the account, did not send me that they are license on my state. 
But they did a false statement at the credit report showing that past due on the account was the day that I contact them. XX/XX/XXXX when the document shows different date XX/XX/XXXX, also the open account date shows XX/XX/XXXX when the document shows XX/XX/XXXX. Balance shows {$3100.00} the documents shows {$3300.00}, the phone number on file does not belong to me. 
Please note that I never accepted that I own this account. 
If you please investigate the issue I really appreciate all that I mention to you I attached the documents.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (DC)

I have made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mobiloans, LLC (FL)

Received a spoofed number call from XXXX XXXX. Told me that my husband and I would be arrested and taken to court and that he would locate me at my premises. Then called my mother on another spoofed number threatening to break in to find me ( meanwhile I own a home ) and he would hunt for me. Stated it was in regards to a Mobiloan account. And to call XXXX. I am contacting an attorney too since this behavior is uncalled for.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

Absolutely insane, my lease which is one month old, on Hyundai  recording says I owe 3 months, the website says my next payment is due on XX/XX/XXXX when it's actually due in XX/XX/XXXX. I've called dozens of times with no response.
Consumer complaint received 2024-11-15
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  account name 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Consumer complaint received 2024-08-25
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. (DC)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 15U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C.1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction. 15U.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 conviction and crimes which antedates the report by 7 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
Consumer complaint received 2022-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (AZ)

In XXXX, my we applied for financing for solar panels through Mosaic at the guidance of XXXX XXXX XXXX XXXX XXXX. We were approved for {$56000.00}. This financing and subsequent solar project was contingent upon us getting a new roof. On XX/XX/XXXX, we chose not to proceed with this project and XXXX XXXX processed the cancellation, informing all necessary parties. 

On XX/XX/XXXX, Mosaic Inc. reported a {$28000.00} loan to XXXX impacting our credit reports This loan should not have been processed. Where have the funds been sent? Why is it a completely different amount than what was applied for and approved? How can any bank fund a loan and report it to a credit reporting agency in an amount different than the loan documents? And, if the solar company cancelled the project, who received these funds? At the end of the day, Mosaic Inc. funded a loan that should not have been funded in an amount other than what any documents would say without our permission or approval. 

This needs to be rectified immediately and removed from our credit report without any adverse action on Mosaic 's part.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.
Consumer complaint received 2022-03-11
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. (NJ)

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.
Consumer complaint received 2022-02-17
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. (TX)

I was taken advantage of due to malpractice and several laws have been XXXX by your company. which has caused defamation of character and has severely impacted my ability to obtain credit.
Consumer complaint received 2024-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Via Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX VALIDATION AND CEASE AND DESIST XX/XX/XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICE XXXX XXXX XXXX XXXX SC XXXX Alleged Account number : XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Georgia [ XXXX ] Dear LVNV Funding LLC This letter is regarding account # XXXX, which you claim, I owe {$780.00}. This is formal notice that your claim is disputed. 

Please remove any and all negative marks on my credit reports ( including, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : Assignments contract. 
1. According to 15 U.S. Code 6802, it is illegal for banks or financial institutions to report any data to third party companies, without proper consent. Please remove this information from my credit report.

2. According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. Please remove this inaccurate information.

3. According to 15 U.S. Code 1692c, you violated my rights by in lawful communications. Please remove this collection off my credit report.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

My contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA (IL)

On XX/XX/year>, I requested for any information on how to apply and how I could request for an application for a discharge and refund of my private student loans due to school misconduct and closure. On XX/XX/year>, I received an automated message informing me my message was received. On XX/XX/year>, I received a message informing me that it was under review. On XX/XX/year>, dated XX/XX/year>, I received a denial letter in the mail. On XX/XX/year>, through email, I received a denial message and the same denial letter attached. I specifically sent the request through the servicer email I was given on their website only to have them forward the request to the bank that I originally thought but was misled, had the loan, but to the servicer I was already paying. The letter mentions that I should file a complaint with other authorities, which is not related to this issue. Either way, I was denied for a discharge without even receiving an application to apply for a discharge of my private student loans due to school misconduct and closure.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP (CA)

Hi, XX/XX/year> I sent a Debt Validation to multiple collection agencies that I am requesting by email and phone to pay them for the same collection, asking to verify both of the accounts. 
This was my request : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. 
I attached the letter that I submitted with the certified mail and proof of received. 
None of them agencies of collection respond to any of my letters. 
If you please investigate the issue and deleted the accounts of my report. 
I really appreciate the help report false information is a violation of my rights.