davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Snap Recovery, Inc. (WA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX, a collections account opened at Snap Debit Recovery on XX/XX/XXXX with a balance of {$12000.00}, that appears to be related to the aforementioned car loan account opened at XXXX XXXX XXXX , a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-04-09
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)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Polk Auto Finance Inc (FL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rossi Law Offices, Ltd (DC)

I first received notice of XXXX XXXX XXXX XXXX of XXXX, RI, attempt to collect a debt owed from XXXX in XXXX, by way of a letter sent to an old address that was then forwarded to me. At that time they had already charged 2x the principal in interest. Before this I suspect they had called me repeatedly, often daily, sometimes more than once per day, but never left a voicemail regarding what the call was about, or attempted to communicate in any other fashion, other than calling me from random phone numbers, often Rhode Island numbers, and again, never leaving a voicemail. I never picked up any of the calls because I did not know who was calling at the time. Upon receiving the first letter, after it was forwarded to me, I was already told I owed twice the original amount. It was also for something that I believe I paid, however any records I produced they said were insufficient to discharge the debt. I asked for them to reduce the interest, the declined. In XXXX I moved out of the state of Rhode Island and no longer had a vehicle registered there. I ultimately paid the amount in full to avoid reprisals, because they threatened in a second letter they would use anything I gave them against me to enforce the debt. There were two separate bills, both from the XXXX of XXXX XXXX XXXX, XXXX from XXXX for {$670.00} ( principal : {$370.00} ) and one from XXXX for {$600.00} ( principal : {$350.00} ). The first letter I received was in XXXX or XXXX or XXXX, I called them shortly after receiving the letter. The second letter was received in XXXX of XXXX. I attempted to make a payment on XX/XX/XXXX, my credit card was charged for the full amount of {$1200.00}, however their system still says it has not been paid.
Consumer complaint received 2019-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on XXXX XXXX XXXX original creditor XXXX account number XXXX. ( Please see page attached from my credit report. ) I originally had XXXX as my phone service. I live in a very rural area and my commute is lengthy. I had sporadic service at best. I contacted XXXX and asked if there were any trouble-shooting tips I could utilize that may help. I followed their instructions and nothing helped to enhance my service. I called XXXX back and the representative told me that the lack of service was of no fault of my own and they agreed to let me out of my XXXX contract. I wasnt made aware that this account had gone to collections until I obtained a copy of my most recent credit report. I was shocked to see that XXXX had not honored their word to cancel my account, but rather had sent this account falsely to collections. I was never notified by XXXX of any action of a collection was going to take place. This collection/charge-off that is appearing on my credit report is seriously harming my credit score and this line item needs to be removed. I have contacted not only XXXX and XXXX XXXX to assist me in removing this, but I have also contacted the ( 2 ) bureaus however, I have not been successful.
Consumer complaint received 2024-09-09
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that SELF / LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-09
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 (TX)

The negative rating on my account is a matter of great concern to me, particularly due to its potential impact on my credit standing. This derogatory mark has already led to the rejection of a recent loan application and has resulted in higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this negative rating has caused and will continue to cause until it is addressed.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Net Pay Advance, Inc. (CA)

I went through the pre-qualification process on XXXX to see if I qualified for a loan. The site said it would have no effect on my credit. I gave them my personal information in order to see what I qualified for. Immediately I started receiving a barrage of phishing texts and emails telling me to sign documents or give my bank account information to receive payments from what looked like various payday loans, but some were personal loans with extremely high intrest rates. I did not engage further with these companies. Most of these calls, emails, and texts stopped within a few days. But " NET PAY Advance " attempted to take XXXX $ from my checking account just a few days later. They are harassing me with calls, texts, and emails telling me I am late on payments for a debt I never took out and there is no record of. XXXX XXXX XXXX recognized this attempted charge as fraud as payday loans are illegal in my state of residence. They stopped the charge, and I advised me to close my checking account. But now Im receiving emails and calls about other debts I don't recognize, offers for large loan amounts that sounds like scams, and hard pulls on my credit report that I never initiated. I think this company is engaging in fraud and or identity theft.
Consumer complaint received 2024-09-06
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. (TN)

I have been trying to access my transunion credit report since XX/XX/year>. The website kept returning error and stating that I can not access my credit report online. I called the customer service number and was told that they are sending my report in XX/XX/year>. I have not received my transunion credit report by mail and I still am not able to access my transunion credit report online. TransUnion is in violation of federal law by not allowing me access to my credit report.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc. (MO)

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately.
Consumer complaint received 2024-09-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX, I provided the mortgage company with proof of my tax payment deferral and evidence of my protest of the XXXX taxes due to the property appraisal offices failure to apply the XXXX XXXX XXXX veteran exemption for XXXX. Despite this, the mortgage company proceeded to pay the tax payment. As a result, my escrow balance went negative, and they increased my monthly mortgage payment by {$500.00}. I have made several attempts to contact the mortgage company to explain the financial hardship this has caused, but they have failed to provide any assistance.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My name is XXXX XXXX I am trying to use my phone number with XXXX please automatically enroll it on y'all end for me my XXXX information is XXXX and email is for XXXX is XXXX but I get this error saying this this phone cant be used to enroll with XXXX please fix this issue for me account Account number XXXX and picture of the issue is below please at them.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

My name is XXXX XXXX I need to dispute this account ppl with account number for XXXX and Reference Number XXXX balance is {$XXXX} because this account is fraudulent I never open it please waive the balance to {$XXXX} and Closed Debts Id Service Date Account Number XXXX XX/XX/year> XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This complaint to BK OF AMER for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2024-09-06
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. (IL)

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. I also asked for the original contract to be provided and it was not.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I logged into XXXX today to place a security freeze on my credit report. I received the following error : " Sorry, we're having trouble showing the status of your credit freeze right now. '' As instructed, I used the online chat instead. After waiting several minutes for an agent, the agent told me that she was able to apply a freeze for me, though I can not confirm this. She also instructed me to clear the cache and cookies in the browser to remove that error message so that the website would function properly in the future. 

After chatting with the agent, I both cleared the cache and cookies AND tried a completely different browser. The issue persisted with the same error message no matter where I tried. 

I can tell you that the TransUnion freeze option works for my husband, on the same computer in the same browser, so this is not a universal website issue, but a problem with my personal credit profile at TransUnion. I can also report that I have no issues at XXXX or XXXX, so this online credit freeze issue is isolated to only my TransUnion file. 

There is currently no way for me to check the status of my TransUnion credit freeze online, and no way for me to easily apply or remove a freeze on their website, in violation of federal regulations, which require all the credit bureaus to offer this option, and for me to be able to request and confirm the lifting on a credit freeze on their website within XXXX hour. Especially given the recent massive data breach, this has troubling implications for both the security of and my access to my credit, which TransUnion is required by regulation to help me both safeguard and access.
Consumer complaint received 2022-10-24
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (MS)

The Company has purchased a fraudulent account from XXXX XXXX XXXX with whom Im already fighting against about the errant and fraudulent account they have let a scammer put in my name I have already been advised by XXXX that my information is exposed on the Dark Web and my emails and address etc.. this is horrible Im out of faith as bd energy to get these credit companies especially penfed to stop harrassing me and Security Credit Services as I never ever owned, opened any account with them. XXXX sold this account thats been fraudulently open in my name to tha company in XXXX Mississippi lease help me to get this dissolved and removed.
Consumer complaint received 2023-11-08
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. (SC)

In accordance with the fair credit reportingt Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit