davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC (FL)

In accordance with the fair credit act this creditor violated my rights under XXXX XXXX XXXX XXXX a I have the right to privacy. After careful review of my credit report I noticed several inaccurate information and also saw accounts I have no knowledge of I did submit disputes on all accounts that I viewed as being fraudulent and requested they be removed Because of the mistakes on my credit report I have been wrongfully denied credit and also denied for apartment rental screenings which was extremely embarrassing and negatively impacted my lifestyle. I asked these credits to provide me with written consent from me with my signature and address which I never got back from them all I saw on the report was my dispute was denied and deemed accurate which is not the case there are addresses and places Ive never lived on these reports. 

Report # XXXX Acct XXXX Creditor BMG money INC This account is listed as being late more than 90 days I account does not belong to me. 
Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX This account is listed as being more than 90 days late this account does not belong to me. 

XXXX  XXXX bank Acct # XXXX This account is listed as being more than 90 days late this account does not belong to me.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management (SC)

About a month ago, I began receiving repeated emails, text messages and phone calls regarding a debt collection of a debt that I do not owe. It for the same company, XXXX XXXX XXXX, that started harrassing me last year under the name PLAZA, that I submitted a complaint about on XX/XX/year>. Now the company is calling itself XXXX XXXX. I don't owe this debt and I want the calls and messages to stop. I don't want any backlash on my credit report either. Cease and Desist immediately.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (AR)

Cb/indigo sent me a card, charge a yearly fee everytime I tried to use it it was under investigation I told them to cancel it, they keep adding fees XXXX  closed but XXXX didn't. I'm not paying for card couldn't use
Consumer complaint received 2024-07-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (NC)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am attempting to unfreeze my TransUnion credit report in preparation for applying for a loan, and their website ( service.transunion.com ) is malfunctioning and unable to log me in. As a result, I am unable to apply for credit. The specific error messages I get are " We are sorry, but we are unable to fulfill your request at this time. '' and " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' This has been the case for over XXXX hours.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am a victim of identity theft please remove inaccuracies on my credit profile and please PER the FCRA 623 ( a ) ( 5 ) 'If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove information from the consumer profile.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. LEXIS NEXIS YOU ARE COMMITING FRAUD AS YOU NEVER THE LAW AND ARE COMMITINGFRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

LexisNexis are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX. LexisNexis is reporting inaccurate and certifiably noncompliant information.
Consumer complaint received 2024-07-28
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: DISCOVER BANK (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (CA)

This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-06-20
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. (MS)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-27
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not been able to access my Trans Union Credit report since XX/XX/year>, I called customer service ( XXXX XXXX XXXX XXXX, some gets on the line ( for the hundredth time ), asks for me-for every verfication in the book, then I am told a link is sent to change my password, I have repeatly asked the Representatives '' to stay on the line until I recieve the link '', they say " the link will be recieved once the release the call ''. I get off the phone and wait for a link, code, whatever from Transunion-NOTHING, this happens every week since XXXX. XXXX months of trying to get assistance from Trans Union to at least receive my ANNUAL CREDIT REPORT, that I can't get, even with the many companies that have exposed my data. No one, especially a XXXX XXXX with both hands horribly XXXX  should be trying to get my own information from a repository data company like Trans Union. 
I can not correct, what I dont receive and I am entitled to my credit report weekly.
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (IL)

MY INFORMATION WAS SOLD TO EASTERN ACCOUNT SYST DEBT COLLECTION. THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$52.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NY)

On XX/XX/XXXX, I sent XXXX XXXX  from XXXX  bank XXXX to Wise ( XXXX confirmation code is XXXX ). 

On XX/XX/XXXX, Wise sent an email confirming they received the money but a transfer must be setup in order to move the money. 

Going into their system, I can not see the money, nor any successful transaction from Wise to XXXX ( final destination ). 

It's already left my XXXX account ( transfer code XXXX from XXXX ), has not entered Wise, and certainly hasn't been transfer to its final destination, my XXXX XXXX account. 

I don't know where the XXXX XXXX  are now : - They successfully were sent from XXXX ( transaction XXXX ) - They seem to have successfully been received by Wise ( see attached email ) - Wise denies receiving the money however - Wise doesn't show XXXX XXXX  in their balance. 
- XXXX doesn't have the money. 

In other words, I'm missing XXXX XXXX  that were transferred into Wise ( indirectly confirmed by Wise themselves ) and Wise won't help me resolve this!
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

I recently discovered several accounts on my credit report that I do not recognize, which I believe are the result of identity theft. The accounts in question are : Creditor Name : Online Information Services Amount Reported : XX/XX/year> Reporting as Collection Please investigate these accounts immediately and remove any information related to them from my credit report. Additionally, please consider this letter as a formal dispute of these accounts and potential fraud. I appreciate your urgent attention to this matter.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Two things with TransUnion : 1 ) TransUnion fraudulently has an upload documents button on their site that fails to allow consumers to submit supporting documents. TransUnion also allows companies to upload damaging documents on consumers ' reports without the company OR TransUnion following FDCPA, violating consumer rights. 
2 ) After LXXXX [ they are the same company ]. They failed to validate a debt, however, XXXX and XXXX removed the collection from my credit report after the company failed to validate. TransUnion initially removed the debt but then allowed XXXX to resubmit the debt under XXXX. XXXX failed to validate the debt and the fact they rebranded as XXXX, the failure to validate the debt within 30 timelines is still valid [ the original validation letter sent to the company is attached ]. 

This is a violation of my rights as a consumer and I want TransUnion to immediately remove this debt AGAIN, and not allow it on my report again. If TransUnion does not comply, I will be filing a complaint up the chain.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Account # XXXX Genesis Credit Management is in direct violation of 15 U.S. Code 1692e - False or misleading representations under the FDCPA and 15 U.S. Code 1692d - Harassment or abuse. 

I received a call on XX/XX/year> around XXXX from someone by the name of XXXX stating that she was following up on an account. She did not state that she was a debt collector, and I had no knowledge of what she was referring to so after that I ordered a full credit report. Genesis Credit management has not provided me with any documentation that I have an account with them nor provided ownership of the alleged account and that they have permission of the company who the account was originally with to collect the amount that they are trying to collect on. 

Furthermore, after checking XXXX XXXX XXXX  I did not see them licensed in Tennesse as a state to collect in and that is the state that I am residing in. 


NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHES UNDER THE FCRA. A list of tile sections of tile FCRA cross-referenced to the. U.S Code is at the end of this document. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : https : //www.consumerfinance.gov/compliance/circulars/circular-2022-05-debt-collection-and-consumer-reporting-practices-involving-invalid-nursing-home-debts/ Section 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).

Section Promptly modify or delete the information or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 )
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (HI)

The following account is hurting my credit rating, credit standing, and credit capacity ACIMA DIGITAL [ Account # XXXX ]. Pursuant to section 623 ( a ) ( 1 ) ( A ) of the FCRA, an agency 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 submitted a dispute to XXXX regarding the account. In that dispute I stated that it was reporting inaccurate or incomplete information to which XXXX said that it was " verified ''. However after their investigation the reporting of the account remained the same, inaccurate and incomplete. To date, the account has been reporting a monthly charge status but the account was closed in 2018 and the payment history section doesn't report a closed status when XXXX payment history legend has a close status. How can an account report a new charge off status on a monthly basis when it's already closed? This results in the information being inaccurate, incomplete which violate the FCRA and XXXX XXXX ( the procedures that consumer reporting agencies adopted to ensure accurate and timely reporting ). I had notified Acima and this information should be deleted as stated in section 623 ( a ) ( 1 ) ( B ) of the FCRA. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable.
Consumer complaint received 2023-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

XX/XX/ loan transfer from XXXX  to Right path servicing dept.XXXX with numerous phone calls faxes and email documents no one seems to know what is going on. I am a XXXX citizen, and never missed any payments. Escrow was added to my loan again without any consent. A forced lenders insurance was added without my consent at a premium.No one seems to know how the payments were applied.I had to come up with just under {$4000.00} for not going into default. 
I have had to add my son to my loan, as a senior I am not tech savy. 
I feel like I am been pushed around .My insurance was up to date yet Right path went ahead and paid another premium.PLease I appreciate all the help .The 60 days grace period will be up onXXXX 
Thanks in advance.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ACCOUNT : XXXX {$1500.00} XXXXXXXX XXXX XXXX  ACCOUNT : XXXX {$320.00} XXXX XXXX XXXX ACCOUNT XXXX {$770.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and e Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.