davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (IL)

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 XXXX 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 IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 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! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with Discover Credit Card XXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to Discover as well.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (CA)

Subject : Legal Demand for Monetary Damages Due to Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand monetary compensation for damages caused by your continued failure to remove an inaccurate XXXX XXXX  account from my consumer report, despite multiple dispute requests. This account does not belong to me, and your failure to correct this error constitutes a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). I submitted formal disputes regarding this matter. Despite clear evidence that the XXXX XXXX  account does not belong to me and supporting documentation indicating a potential case of identity theft, you have refused to remove the inaccurate information. This continued reporting of inaccurate information has caused harm to my credit reputation, financial standing, and has resulted in damages. Under the FCRA, you are legally required to maintain accurate information on consumer reports. By failing to do so, you have violated the following provisions : 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) which mandates that inaccurate or unverifiable information be deleted from a consumers file after a reasonable investigation. 15 U.S.C. 1681c-2 which requires the blocking of information related to identity theft once notified. Due to your continued non-compliance, I am now pursuing monetary damages as provided under : 15 U.S.C. 1681n for willful non-compliance, which allows for the recovery of actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorneys fees. 15 U.S.C. 1681o for negligent non-compliance, which allows for recovery of actual damages and attorneys fees. Demand for Relief I demand that you immediately : 1. Remove the inaccurate XXXX  XXXX  account from my consumer report. 2. Pay the following damages : Actual damages incurred due to the inaccurate reporting, including but not limited to the denial of credit, higher interest rates, emotional distress, and damage to my financial reputation. Statutory damages of up to {$1000.00} for willful violations of the FCRA. Punitive damages to deter future violations. Attorneys ' fees and costs associated with this matter. Failure to meet these demands within 15 days of receiving this letter will leave me no option but to initiate a lawsuit to recover the damages owed to me under the FCRA. Please respond in writing to confirm your compliance with these demands and to provide the monetary compensation requested. I prefer that any future communication be made in writing. If you fail to comply with this demand, I will be filing a lawsuit without further notice. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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: CLGF Holdco 1, LLC (PA)

My Mile stone card was used through my XXXX account. Since the charges was not me they refunded the money. However ; they later said that paypal confirmed it was me. I checked with XXXX and they said that it is not true and that my credit card company reported that they reimbursed me the charges. The credit card compant keeps saying XXXX said it was me. However ; I let XXXX know that it was not me and they also reported that they could not get intouch with the compant that I said purchased something from them and nothing was mailed to me. I have called the credit card company several times and get a non english speak or the phone hangs up. I confirmed with a rep that they never verified to the credit card company that this was me. This credit card company is completing theft by deception. 

Below is what XXXX has on file Case status : Under review We were notified by your financial institution that you filed a case for a payment made on XX/XX/2023 at XXXXXXXX XXXX EDT. 

There is no action needed from you as we review this case. Contact your financial institution directly if you want to cancel this case or need more details.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

XXXX, XXXX and Experian credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, Experian and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my Experian and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX, Transunion and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.
Consumer complaint received 2023-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

On XX/XX/XXXX, I received a phone call from Online Information Services informing me that I had a debt in collection. I promptly informed them that I had never lived at the address they mentioned and questioned how I could have a debt in utilities for a place I have never resided in.
Consumer complaint received 2023-09-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

This debt was sold to another third party collections without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$5800.00} DATE OPENED XX/XX/2022 NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-16
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. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-05
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my privacy and confidentiality under 15 USC 1681. 
Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX 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 IMMEDIATELY!

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 2023-09-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC (NC)

Notice of cause to action I sent aeeter to this company on XX/XX/XXXX and the XXXX i hope it reach you to help with the reason for my ongoing dispute. It is a notarized certified mail package and letter that is being delivered to you. Notice of a ten day including weekends and holidays for me to receive a fully investigation for an answer. A no response at the ten day mark will be viewed as a no response and I will be filing a no rebuttle next.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (CA)

XXXX XXXX XXXX WE ARE IMMENSLY OUTRAGED AT THE SHEAR INCOMPTENCE OF PHH MORTGAGE AGAIN!!!!!!! THIS IS WHY WE DONT BELIEVE WE ARE IN ARREARS IN OUR PAYMENT. THEY DO NOT AND CAN NOT GET PAYMENTS CORRECTLY/PROPERLY PROSCESSED. 


FIRST : WITH OUR XX/XX/2023 MORTGAGE ( SEE ATTACHED DOCUMENTS WITH HIGHLIGHTS ) THE STATEMENT INCLUDES A LINE FOR OUTSTANDING UNPAID LATE CHARGES ETC. OF {$7.00} ; THERE IS ALSO A LINE FOR ASSESSED EXPENSES OF {$940.00} AS WELL AS THE REGULAR MONTHLY PAYMENT {$4200.00}. I ENCLOSED A XXXX CHASIER CHECK IN THE AMOUNT OF {$5200.00} TO COVER ALL OF THOSE FEES WHICH NEVER SHOULD HAVE BEEN ASSESSED IN THE FIRST PLACE. I ALSO ENCLOSED A NOTE INDICATING THE BREAKDOWN OF THE CHASIERS CHECK. 
DO YOU THINK ANY PERSON WHO PROCESSES THE CHECKS CAN READ! OF COURSE, NOT THEY DEDUCTED THE MONTHLY PAYMENT AND THEN PUT THE REST IN THE SUSPENSE ACCOUNT AND NOW ON THE XXXX STATEMENT THOSE FEES I PAID LAST MONTH SHOW UP AGAIN!!!! 


SECOND : I HAD A CPA REVIEW ALL THE STATEMENTS PHH MORTGAGE SENT ME AS WELL AS ALL OF MY DOUCMENTS AND HE COULD NOT LOCATE ANY MISSING PAYMENTS. I AM GOING TO CONTACT A FORENSIC ACCOUNTANT TO ESTABLISH WHETHER WE OWE ANY MISSING PAYMNETS. 


THIRD : WE ARE IN RECEIPT OF THE FORBEARANCE PLAN FROM THE COMPANY. ITS VERY APPARENT WHOEVER PUT THIS PLAN TOGETHER DID NOT TAKE INTO ACCOUNT THE {$2600.00} CURRENTLY BEING HELD IN THE SUSPENSE ACCOUNT. 
I WILL TELL YOU WHAT WE ARE GOING TO DO WE ARE GOING TO CREATE OUR OWN FORBEARANCE PLAN AND WILL INCLUDE FUNDS THAT GO DIRECTLY INTO THE SUSPENSE ACCOUNT AND AS IT REACHES THE MONTHLY PAYMENT AMOUNT IT WILL BE CREDITED TO OUR ACCOUNT AND WILL COVER THE PAST PAYMENTS OWED. 
DO YOU THINK YOU COULD HAVE GONE OUT OF YOUR WAY AND TAKEN THE FORBEARANCE PLAN OUT TO 9 MONTHS! YOU OBVISIOULY DID NOT ACCOUNT FOR MY LOSS OF INCOME OR INCREASED EXPENSES DUE TO INFLATION!
Consumer complaint received 2023-04-05
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

XXXX XXXXXXXX XXXX has charged me {$3000.00} in rent months after I moved out due to poor management. I lived there from XX/XX/XXXX to XX/XX/XXXX, I signed a 60 day notice that I would not be renewing the lease. They continued to charge me rent after the lease ended and would not answer phone calls, emails, or the office door. They would not reply for 6 months, and still the issue was only addressed with an automated " thank you for contacting us '' email. 7 months later I finally got in contact with someone who said " not to worry about it anymore '' and that it was an issue caused by transitioning through management companies. In XXXX of XXXX, I received an email that they had filed a motion for non-suit. I checked my credit score and discovered the outstanding balance.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-09-17
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. (LA)

I have inaccurate information on my credit report that does not belong to me. I contacted the bureaus to let them know, but nothing was removed from my credit report. Someone stole my Social Security card and driver 's license, and I have been opening accounts in my name without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (AZ)

I have submitted more numerous SAVE applications and never heard back from Student Aid or Ed Financial, my servicer. I can not afford my XXXX payment. I have sent email and waited on calls to access an adviser and can not reach anyone. Online it says that my applications are complete and done, but my monthly cost is hundreds of dollars even though I make around {$30000.00} right now. I submitted an application weeks ago and continue to not hear back. I do not know what to do or how to get help.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

15 Us 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 a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATLY!

These account should not be furnished on my consumer report as they are VIOLATION! Under, 15 U.S code 1681-b Permissible purpose of a consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT!. As a consumer I am demanding deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-06
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX