davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject Request to remove unauthorized credit inquiry Inquiry made by : Inquiry made on To whom it may concern, I am writing to dispute the following information in my file. I received a copy of my credit report. And I noticed there is an unauthorized credit inquiry made by the company listed above. To my knowledge I have not signed any documents authorization the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the name, business, address and phone number of those who made unauthorized credit inquiries. So I may contact them directly in addition, I respectfully reuest a copy of and documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documents that you have had the unauthorized inquiry remove. If you find that I am in error, then please send me proof of this Finally, I am requesting an update copy of my credit report which should be sent to the address listed above according the the provisions of 612 ( 15 USC 1681j ) there should be no change for this report. 
Your immediate attention to this matter is appreciated Sincerely, XXXX XXXX Enclosed are the following two documents that verify my identity ID/DRIVER LICENCE SOCIAL SECURITY CARD
Consumer complaint received 2024-07-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Revco Management, LLC (LA)

Revco Solutions contact my mother in regards to a medical debt this is actively being disputed. My mother notified the agent that they had the wrong number, that it was her personal cell phone, and gave them my correct contact information. The agent then told her that she needed to tell me to " Just pay off the XXXX XXXX '' so they could " get this taken care of. '' The agent then discussed private information regarding this disputed debt with my mother. I am XXXX XXXX XXXX, I do not live with my parents, and my parents have not been involved in my medical care for over 15 years. At no point was my mother ever a party to this procedure. If anything, my husband, who is my emergency contact, would have been the one authorized to discuss this.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (GA)

The underlying company Mariner Finance currently appears on my XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX has forwarded theft documents receive from me to Mariner Finance early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with Mariner Finance. As Mariner Finance have violated federal law, by not providing the credit bureau XXXX Credit reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-F3.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (MA)

On XX/XX/XXXX, I reported XXXX unauthorized transactions to SOFI Bank. The claim was denied on XX/XX/XXXX for the reason of a XXXX transaction from the same merchant existed and No NSF was found. 

I contacted the bank and informed them that the XXXX transaction was unauthorized as well and that they should update the claim to include it. I also noted there was an NSF on XX/XX/XXXX. The bank required me to submit documentation to appeal their findings. I sent an email requesting that they update the claim to include the XXXX unauthorized transaction, as the only document I could think of providing. I also informed them that I spoke to the merchant, and the charges were not part of an account owned by me or my co-owner. The bank did not acknowledge this statement. 

To date, there is no evidence the bank updated the claim, as they keep sending me the same reason to denying the claim, with no new information, which is the XXXX transaction shows I had a history with the merchant. 
Per the XX/XX/XXXX CFPB FAQ article, page XXXX ( attached ), " The investigation must be reasonable, including a reasonable review of relevant information within the financial institutions own records. The Bureau found that a financial institution did not conduct a reasonable investigation when it summarily denied error disputes if consumers had prior transactions with the same merchant, and the financial institution did not consider other relevant information such as the consumers assertion that the EFT was unauthorized or for an incorrect amount. 

The bank clearly did not consider other relevant information such as the consumers assertion that the EFT was unauthorized, thus violating Regulation E. I have brought this to the bank 's attention and they have willfully ignored this.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (TX)

FRAUD & DISCRIMINATION. DECEPTIVE BUSINESS PRACTICES. 
THE BANKS CORPORATE GREED is beyond belief. FEDERAL DISTRICT COURT to Hold the BANK 's Trustee & CFO and entire C-SUITE responsible. 
XXXX Meaning of fraud or dishonesty. The term fraud or dishonesty shall be deemed to encompass all those risks of loss that might arise through dishonest or fraudulent acts in handling of funds as delineated in XXXX XXXX XXXX next steps Legal Recourse. Equity Remedy.

1099 C- IRS FORM CANCELLATION OF DEBT and REMITTANCE of ALL PAYMENTS INTEREST AND monies earned sent to XXXX XXXX XXXX XXXXXXXX XXXX XXXX CHECK made payable to XXXX XXXX - DISCLOSURE of Monies made and earned with CREDIT DEPOSIT. DOUBLE BOOK ENTRY with the BANK.

1099-A Filed Acquisition Abandonment of monies. Claimed without my knowing will be deemed fraud. Legal Action will be Taken. Notification sent in writing and to CPA. 

FRAUD is a violation of FEDERAL LAW. THE TITLE was not transferred at closing. The security note, and interest is being traded and the bank is profiting from the note and interest. The bank is leaving me no choice then to take legal recourse via Federal District Court. It is unacceptable practices. ALL SECURITIES LAW violations going to pursue criminal charges and want all monies paid. XXXX XXXX refuses to cooperate. Has already been paid and is collecting twice. The corporate greed is excessive. Statutes and Regulations SEC.gov https : //www.sec.gov rules-regulations statutes-regula... 
XX/XX/XXXX Statutes and Regulations Securities Act of 1933 Securities Exchange Act of 1934 Trust Indenture Act of 1939 Investment Company Act of 1940. 
Violations of UCC Laws : The Uniform Commercial Code ( UCC ) is a collection of laws that govern commercial transactions in the United States. It's a state law that's been adopted by every state and the District of Columbia, but it's not a federal law. The UCC 's purpose is to provide a consistent framework for doing business across state lines. 
18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... Title 18 PART I 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS 1001. Statements or entries generally 1002. Possession of false papers to defraud United States...
Consumer complaint received 2019-07-17
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. (NC)

Equifax has 2 collections on my credit report that are not mine and I have asked them to remove the collections as they are not mine and being wrongly reported. I have provided a police report and only XXXX and XXXX XXXX has removed the accounts from my credit report immediately after being asked. However Equifax has not removed the accounts from my report not provided any documents to prove the collections which are not mine my credit report history is 100 %, not one late payment out of 16 accounts.
Consumer complaint received 2024-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Statewide Tax Recovery, LLC (FL)

XXXX, a private, debt collection company ( XXXX XXXX XXXX, XXXX XXXX, PA, XXXX ) has been attempting to collect taxes on behalf of XXXX XXXX, PA for tax years XXXX and XXXX. I previously responded to them that I have not been a Pennsylvania resident since XXXX, and thus not subject to personal property taxes in Pennsylvania. They ignored me. I received a new collection effort mail piece this week for tax year XXXX. It includes threats of additional collection actions if I don't pay this bill that I do not owe. 

The XXXX of the complaint is BOLD type in RED, saying, " DELINQUENT TAX NOTICE. '' It is bad enough for this company to make collection efforts, but now pretending to be a tax agency is even worse. 

A previous complaint from me about Statewide to CFPB resulted in CFPB contacting this agency with no response ( per CFPB emails to me ). Will you try to help again? 

Thank you!
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Shellpoint Mortgage A Division of newrez XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Information and Request for Modification Resolution Dear Sir/Madam, I am writing to formally address a serious issue concerning the information I received from your company regarding a mortgage modification. On XX/XX/2024. I was advised by your representative to wire {$10000.00} to facilitate a mortgage modification. Based on this guidance, I withdrew the necessary funds from my XXXX ( XXXX  ) account. 

However, I was informed today XX/XX/2024, that the information provided to me was completely inaccurate. This misinformation has caused me significant financial hardship and undue stress. The withdrawal from my XXXX ( XXXX  ) has not only affected my savings but also resulted in tax implications and penalties. 

Details of the transaction are as follows : Amount Wired : {$10000.00} Date of Wire Transfer : XX/XX/2024 Reference Number XXXX Given the severe impact of this erroneous guidance, I request an immediate investigation into this matter and a full resolution, including but not limited to : A full refund of the {$10000.00} wired based on inaccurate information. 
Compensation for any penalties and tax implications incurred due to the XXXX ( XXXX ) withdrawal and no foreclosure date be placed on my home due to this very inaccurate information. 

Written clarification of your company 's policy on mortgage modifications to prevent future misunderstandings. 

I expect a prompt response and resolution to this issue. Please contact me at XXXX or XXXX to discuss the next steps. Failure to address this matter adequately will leave me with no choice but to seek further action, including legal recourse and filing complaints with relevant regulatory bodies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

Hello yes I received a letter just Friday over the weekend Saturday from a debt collector who put in a judgment levy against me in the year of 2000 of XX/XX/XXXX and I'm just now being informed had no awareness of this lawsuit of judgment filed against throughout all these years ..filled against. Nothing never appeared on my credit as a collection item from this collection agency as well... 


They have threatened to garnish my wages 10 days from this date of today and again I never had no acknowledgment of this debt from allied collection services who filed this judgment with the local courts in my city and that was filed back in in the year of 2000 now it's been 24 years " '' no one never notified me or informed me or serve me no constable nor any certified letter or I received acknowledged I even know what this is about to be honest and I also I have been a victim of identity theft over the years and I have a police report on file and also have a complaint with the Federal trade commission and FBI about my identity theft as well thank you.
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

4 years ago now XXXX reported debt to genesis recovery about a debt i do not owe. They took my security deposit which was enough for my last month rent. They try to charge me fees for carpet, something they have to repair, maryland law does not allow landlords to charge for normal wear and tare. They made up trash replacement over {$100.00} and sent this to a debt collection agency that has been adding interest on this debt and reported to my credit. I asked genesis for proof and how this debt is mines and they sent me my lease that is not proof, just because you have a lease does not show proof of carpet replacement and trash removal and rent owe. They would have evicted me if i owe rent and took me to court. They did not show me valid proof that this is actually true, they are going off word to mouth from XXXX which is illegal. The debt agency has been reporting to my credit hurting my credit after i have told them multiple times this is not my debt, they also have been harrassing me over and over a whole 3 years later which is also too late to collect on a debt. XXXX has not sent me this debt when i moved out, this is retaliation because i got into a small dispute with the office manager at XXXX apartments. Everything the debt collector and udr is doing is illegal. I will continue to report and call all credit agency 's until they remove this debt. They also can not add interest when i did not validate it is my debt.
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statewide Tax Recovery, LLC (FL)

Statewide is attempting to collect a debt for school taxes on behalf of XXXX XXXX, Pennsylvania. This is for taxes levied in year XXXX and XXXX. I have not lived in Pennsylvania since XXXX. Therefore I am not liable for school taxes a decade later. I informed the agency of this error three times ( via US Mail, in XXXX ; by phone, XXXX XX/XX/XXXX ; and via email, XXXX XX/XX/XXXX ). Statewide ignores MY messages to them, yet keeps harassing me with their false claims of money I owe them. 

Today, XXXX XX/XX/XXXX, I received another collection notice from Statewide ( the collection agency ). I don't plan, or expect, to be in Pennsylvania ever again, not even to " pass through. '' Please help me make Statewide stop these deceptive practices. 

Thank you!
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had two late that was paid on time. The Consumer Reporting Agency have an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XXXX 2024.I 'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I am writing to address a clear error on my credit report regarding an account with Navient, which falsely states that I was 90 days late on a payment, without any prior XXXX or XXXX late payments being reported. This is entirely inaccurate, as I have never been late on this account, let alone 90 days. I have sent multiple dispute letters to both Navient and the credit bureaus, yet have received no response. This reporting error has significantly harmed my credit, jeopardizing my ability to purchase a home. I am seeking {$1000.00} in compensation for this violation.
Consumer complaint received 2024-08-29
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. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-28
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. (GA)

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
her is the item i am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX