davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have not receive any written notice in regards to this debt. I also dont every recall applying for anything in my personal name at the time given on my credit report
Consumer complaint received 2022-09-06
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TN)

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against Paramount Recovery for committing identity theft. I have never given ( Paramount Recovery ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( Paramount Recovery ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Paramount Recovery ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Paramount Recovery ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Paramount Recovery ) continues its collection efforts, I will file for litigation for actual damages caused and ( Paramount Recovery ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

I demand this account be deleted from my credit report, XXXX XXXX account is being reported with inaccurate information and after being disputed nothing has been done by the credit bureaus, leaving the innacurate information on my credit report is a direct violation of the FCRA, all information on my credit report must 100 % accurate and verifiable across all bureaus or be removed. 
XXXX ) inaccurate information being reported across Experian and XXXX is as follows a ) high credit limit - inaccurate b ) credit limit- inaccurate c ) date last reported - inaccurate d ) date last active-inaccurate XXXX ) date of the last payment-inaccurate f ) no notice of dispute on this account g ) payment status on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX is being reported inaccurately which is a major violation of the FCRA and should be removed immediately.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I dont know this company ( credit adjusters ) or the company they represent. I had call several times but they always ask me about my social security number to give me information and I dont want to provide that information over the phone. I would like this to be remove of my credit report of posible or have the documents that supposed to be sign for me. Because they dont want to provide any of these. 
Thank you
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Based on, 15 U.S. Code 1681c2 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 receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-03-26
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. (NC)

Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.
Consumer complaint received 2022-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

I purchased a used vehicle in XX/XX/2022. I mistakenly thought my first payment to Westlake Financial was in XXXX, however, it was due XX/XX/2022. Without any telephone, e-mail, text messages or regular postal service communication they repossessed the vehicle within ten days past the due date. I not ever given any opportunity to quickly rectify this before they took such drastic actions.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XXXX XXXX, 2022, I realized that I owed {$1200.00} for XXXX 2022, {$1200.00} for XXXX 2022, and was about to owe {$1200.00} for XXXX 2022. That I would owe over {$3000.00}. I had been told that I was in forebearance and that I only had to pay {$390.00}. Suddenly I was about to be in foreclosure and my forebearance would end on XXXX. I had paid the {$390.00} and most of the time over {$1200.00} a month during this forebearance. I was freaking out and was told the only way to avoid foreclosure was to end my current forebearance and apply for a new forebearance. The agent with SPS new that I had no income coming in and that I would not be approved for any new foreberance. They said that the only difference it would make for me to end my current forebearance and start a new one is that with my current forebearance I only owed {$1200.00} and that if I ended my forebearance early and reapplied I would then owe {$1200.00}. I thought the only difference was {$14.00}. That is how SPS tricked me into ending my forebearance early.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I have attempted to contact CONVERGENT OUTSOURCING on numerous occasions, asking that they provide validation that this debt is owed by me. The company has not responded to any of my letters and have not been able to provide validation that the debt is rightfully mine. 

However, every week or so, they go in and flag the collection to the credit bureaus. They are clearly operating unethically.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received documents about my proposed forbearance on XX/XX/2022 from Select Portfolio Servicing. I looked through my documents and it seemed that there was a signature page missing, but I was not sure. I went online on XX/XX/2022 and felt really lucky that SPS actually upheld the forbearance because when I downloaded the documents from their website I was actually missing several pages including the signature page. I never signed to approve my forbearance. I was very happy that all three times that I called SPS confirmed that they had not been tricking me and that I was really on forbearance and that all I had to pay was {$390.00} and that they still confirm that I was on forbearance. Thank you SPS.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Be advised this is not a refusal to pay, but that the claim is validated. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you XXXX Retail # XXXX. NOT who they have paid for debt as a third party. I am requesting proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices help me with competent evidence that I have any legal obligation to XXXX XXXX. Please validate that this debt belongs to me and please also show me the original contract with XXXX XXXX. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX ), this action might constitute fraud under both federal and state laws.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My car went into the shop in XX/XX/2021, I made payments up until XXXX of 2021 when XXXX informed me that I could halt on my payments until I get my car back from the shop. It took them 6 months to fix my car. I got a call on XX/XX/XXXX to get my car back. The moment I went and got my car, I went straight to Car-mart and paid what was owed ( I have the receipt and paperwork ) and I asked them why my credit report showed repossession. I was assured from the assistant manager that corporate put false information and my report would be fixed. I made another payment a week and a half later. It's been 20 days and my report still say repossessed and closed. My car was never repossessed, and I am still making payments on this vehicle. I have contacted the lender and they told me that they could write a letter stating that my car was never repossessed and for me to dispute it on my report as well. I disputed it and it's been denied by the lender. I have contacted them multiple times regarding this, and they are refusing to fix this issue due to their system stating my account is active. I have receipts and paperwork to prove that my car was never repossessed it was in the shop. I have never been late on a payment with this company until they told me that halting my payments to get a rental car is what they suggest.
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (WV)

On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost XXXX days and I have not received a response. I understand that XXXX has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.
Consumer complaint received 2022-03-25
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. (WV)

On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my XXXX report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX I am asking that these items be removed from my credit report.
Consumer complaint received 2022-03-25
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. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get a job, apply for an auto loan, apply for a credit card, or even get an SBA loan for my business. Under this crisis of Covid 19 you have hurt my ability to obtain credit. On XX/XX/2022 I attempted to submit a dispute for negative items on my credit report. I submitted my documents to identify myself and used certified mail to ensure the arrival of my dispute letters. I submitted a follow up letter on XX/XX/2022 and on XX/XX/2022 to comply with my demands so that they see I reached out to the consumer financial protection bureau and other agencies for their assistance in this issue.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (NJ)

MERCHANTS CREDIT GUIDE C Account number XXXX Date opened XX/XX/2016 Balance {$390.00} MERCHANTS CREDIT GUIDE XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/2016 balance {$430.00}
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX, I used my Capital One credit card to purchase an item ( XXXX XXXX XXXX XXXX ) for {$460.00} on XXXX. XXXX sent me a message stating the product was delivered on delivered on XX/XX/XXXX. At that time I was out of town and had my neighbor watch over my house and packages. As of XX/XX/XXXX. I contacted XXXX to report a missing or not delivered item. They ended up contacting the seller to figure out what they could do. On XX/XX/XXXX, I filed a dispute charge on XXXX through Capital One due to nothing being done or seeing a refund on behalf of XXXX. On XX/XX/XXXX I received a letter from Capital One Stating my dispute was closed and that my charge was going to be on my account. On XX/XX/XXXX I contacted XXXX XXXX, to see what XXXX has done and communicated in regards to my item I purchased. XXXX XXXX ended up refunding my charge {$460.00} and it was going to be through XXXX ( as original payment was made ) on XX/XX/XXXX the transaction was submitted for a full refund. As of today XX/XX/XXXX Capital One has not credit or authorized my refund ( according to XXXX ). I ended up sending an email with Chargeback Accountings with XXXX to see what is the long wait and status. Up to date I am leaving this matter to you and see if I could get some legal action with consumers financial and solve this issue before I go to my lawyers office. Thank you and I appreciate your time.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC (LA)

On XX/XX/2022 i received a correspondence from heartland resolution group in regards to an alleged debt. Heartland resolution group has violated many of my consumer rights. Exhibit A 15 USC 169 2b ( 3 ) by printing a full logo on the top of the page. Exhibit B violation 15 USC 169 2b ( 2 ) an alleged debt amount that has a positive balance. Any alleged debt that is owed should print a negative sign in front of the debt.
Consumer complaint received 2022-10-29
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. (CA)

On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine by XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Experian to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )
Consumer complaint received 2022-10-29
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. (TX)

This is the filing of a complaint for inaccuracies that are being reported by Trans Union. See uploaded copy of my credit report by XXXX XXXX. Which shows the inaccuracies with account XXXX XXXX acct XXXX XXXX  accuracies being reported are : Monthly Payment, Date Opened, Number of months ( term ), Credit Limit Last Payment, Date Last Active, Date Last Payment, Two-Year Payment History- no months of payments history with Trans Union are reported at all .
Consumer complaint received 2022-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

inaccurate/unauthorized fraud items on report. 

XXXX XXXX XXXX XXXX CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (PA)

There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.