davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Mortgage transferred from XXXX XXXX ( Loan # XXXX ) to PennyMac ( Loan # XXXX ) on XXXX. The total principle transfer was {$200000.00} from XXXX, confirmed on XXXX. The total principle received by PennyMac was {$210000.00}. Three payments were made prior to transfer, reducing the principal. 

XX/XX/2020 Principal curtailment {$1200.00} XX/XX/2020 Principal curtailment {$1200.00} XX/XX/2020 Principal curtailment {$210.00} There is currently an interest build on the incorrect balance of {$210000.00} on PennyMac 's side. Confirmed with XXXX XXXX that the principle payments were transferred along with the loan. PennyMac indicated they did not received any of the payments on XXXX. There is a total of {$2700.00} in principal missing, and interest is compounding on an incorrect balance.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I sent Transworld Systems Inc a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

LVNV, LLC is in Violation of the Fair Federal Debt Collection Practice Act 15 USC 1692g, failure to comply with my request for " Validation of Debt. " not " Verification of Debt. " Failure to " Cease & Desist telephone calls. " Violations of the FCRA " 15 USC 1681. verification of debt by submitting a signed credit application verifying my signature.
Consumer complaint received 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (GA)

I contacted GM Financial 3 to 4 times letting them know that I had lost a part-time job due to COVID-19 and that I was suffering a hardship. The first reply I received was asking if I had received a stimulus check and their were not any programs to help me, then they repossessed my vehicle the night before I had to go to work, leaving me stranded. Now I've had to pay them all back monies owed plus the fees for the repo. Now I might lose my house!!!!! Thanks GM
Consumer complaint received 2020-11-24
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality has violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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. I WOULD LIKE THESE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY REPORT IMMEDIATELY
Consumer complaint received 2020-11-24
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. (IN)

Past Due : {$2000.00} XXXX XXXX I sent a letter to XXXX asking for Debt Verification for Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with XXXX XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed PO Box and they did not respond. 

XXXX XXXX who said they were representing XXXX said my Balance was {$500.00}. XXXX said to the Bureaus it was {$2000.00}. Neither, True Accord, XXXX XXXX or XXXX XXXX or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But Experian and XXXX XXXX are still allowing the Collection Agency XXXX XXXX on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed the XXXX XXXX XXXX and XXXX XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. E Oscar or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that XXXX is asking from me and the {$2000.00} XXXX is telling the Bureaus. 
More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.
Consumer complaint received 2020-11-25
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: CCS Financial Services, Inc. (PA)

On XXXX XXXX, XXXX  CREDIT COLLECTION SERVIC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I got an alert from experian saying there was a Payday loan in my name. I have never taken out a payday loan before on the XX/XX/2020. I put a fraudulent alert out. And I dont know who this person is but I would like to press charges.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: General Motors Financial Company, Inc. (MD)

XXXX XXXX Americredit XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX TX XXXX. In Regard to GM Financial Account XXXX. On XX/XX/2020 I received a letter from XXXX XXXX from Americredit. I, XXXX XXXX and XXXX XXXX are the consumers, creditors, and sellers of the GM Financial account. We did not enter a consumer credit transaction with XXXX XXXX with Americredit. In pursuant to 15 USC 1681b and 15 USC 6802. We did not give GM financial institution permission, consent, nor the clearance to disclose our personal information to a nonaffiliated third party. In pursuant to 15 USC 1692c. ( c ) I am demanding that XXXX XXXX and staff at Americredit cease all forms of communication with us through any and all mediums. In pursuant to 15 USC 1692d ( 2 ) stop harassing us. These abusive practices are a violation of 15 USC 1692c ( b ) .This is an infringement of our rights to privacy and it is causing us emotional distress. This letter included obscene language that was abusive and harassing to us. Enclosed is a copy of the cease and desist, the letter sent from XXXX XXXX and the certified mail receipt.
Consumer complaint received 2020-11-24
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. (TN)

I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

Concerns : EQUIFAX not participating in suppling " Free Credit Reports ''. 

On ~XX/XX/XXXX, I requested ONLINE my " Free Credit Report '' from EQUIFAX XXXX 
EQUIFAX declined my online request and stated I had to mail my request. 
ON XX/XX/XXXX, I mailed my request for a EQUIFAX free credit report to address I was given. I filled out the " Annual Credit Report Request Form '' correctly and mail it to : * Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX By XX/XX/XXXX, I still had received no response of any kind. So I called the phone number I was given, " XXXX '' and requested a EQUIFAX free credit report and answered all the questions. At the bottom of the " Request Form '', it states that " Your Request Will Be Processed Within 15 Days of Receipt and Then Mailed to You ''. 

*I still have NOT, as of XX/XX/XXXX, received any response from " EQUIFAX '' of any kind. 
There is never a problem with XXXX or XXXX ( online ) when requesting & receiving the free credit report. Every year there is a problem with EQUIFAX. I have not moved from my house in ~25 years and answer the questions for the report the same way for each company. I request a " Free Credit Report '' from each company during the year.

Why is EQUIFAX allowed NOT to abide by " Free Credit Reporting '' laws?
Consumer complaint received 2020-11-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Long story short : Problem : -reported fraud to company and credit bureau back in XXXX - Answer : debt collection initiated- - contacted both intities a several occasions- - never any fraud paperwork filed on my behalf Through the next 17 years up to current i XXXX XXXX XXXX have acquired two prepaid accounts XXXX credit cards ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. 

Several accounts and many hard inquiries continued to blemish my credit. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, Bank accounts : XXXX  XXXX XXXX, XXXX XXXX, etc. 

And many prepaid cards received via my home address XXXX XXXX XXXX XXXX tx XXXX on other individuals email accounts. 

And 20+ email accounts breached with/ result of no longer able to sign in again And in XXXX after disputing all activity and accounts nothing has been removed from my credit / even when letters have been received via emails that say everything has been deleted. Im at my end without credit for 20 years and my unemployment has been taken from me with an account with my credentials im not understanding why the id theft has not been fixed. 

Experian credit customer service its values and regulations out weigh productivity.
Consumer complaint received 2020-11-24
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. (TX)

I submitted a dispute with XXXX  and TransUnion on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score
Consumer complaint received 2020-11-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (MA)

I am paying XXXX percent interest. I asked for a reduction in rate and they told me no. I did some research and learned that this company is not licensed in Massachusetts and additionally the rate of XXXX per cent is illegal in this state. I'm currently out of work and these payments are putting me in financial ruins.
Consumer complaint received 2020-11-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$1500.00}, {$700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (TN)

Company is trying to collect a debt thats been added to my credit history more then once and Ive informed them I want that fixed before paying the only one instance of debt I owe, they call a few times a week. They called two days in a row XXXX and XXXX to give a example of the frequent calls.
Consumer complaint received 2020-11-12
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)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-06-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.