davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (NC)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2023-12-21
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX 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 2023-08-01
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: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-05-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear PORTFOLIO RC, 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 identity fraud laws, specifically Missouri Revised Statutes Chapter 570 on identity theft. 

It has unequivocally come to my attention that PORTFOLIO RC 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 consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri Revised Statutes Chapter 570 establishes clear guidelines and severe penalties for the unauthorized access and misuse of personal information. 

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

I demand, with the utmost certainty, that PORTFOLIO RC 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 Revised Statutes Chapter 570. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state 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 PORTFOLIO RC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Consumer complaint received 2024-05-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

There are inconsistencies with the report from this company Affirm on my credit report. Even after calling and discussing for said company to remove or reflect proper payment I was denied and refused. It is shown that I am 120 days late with payment which is inaccurate. I have made payment in both XXXX and XXXX. This payment is not reflected and updated to credit reports.
Consumer complaint received 2024-05-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Collections account date is wrong and this lease was broken as a result of the Covid 19 pandemic and I applied for rental assistance for thr apartment but never received it.
Consumer complaint received 2024-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEMS , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2018-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MD)

For over 20 years I have been transfering money to XXXX XXXX for family emergencies ( death, hospitalizations, celebrations, etc ) by Western Union (WU ) with no problems, when all of a sudden a transfer on XX/XX/2018, for {$200.00} was declined and the amount refunded on XX/XX/2018. After many calls to customer service I did not get the any answer as to why! I filed a complaint with the MD Dept of Labor and Licensing ( DLLR ), who received a response from WU indicating that they made a business decision to cancel ( my funds transfer ) based on suspected consumer fraud. ( NOTE : THE MONEY SENT WAS MINE AND THE RECIPIENT WAS A NEPHEW I HAVE KNOWN SINCE HIS BIRTH! ) I appealed to WU and on XX/XX/2018, I was sent a questionnaire for reinstatement which also requested my financial information. I submitted all of the information. On XX/XX/2018, they acknowledged receipt of the information. Finally on XX/XX/XXXX, I have received a response upholding their previous decision to deny me access to their money transfer services. I requested an explanation and the reply was reason why consumer not authorized to use Western Union services can no be disclosed, it is private policy. Read all the fine print explaining services but only reasons they seem to list are based on fraud or criminal activity. The financials I sent to WU and verified by my banks and brokerage clearly prove that the money is lawfully obtained. Then when I sent their response to MD DLLR they indicated that since WU was relying on their policies they could not do anything further.

I AM BLOCKED FROM USING WESTERN UNION AND NO ONE GIVES ME A VALID REASON! I do find it interesting that after years as a GOLD CARD member, I have enough points that I no longer have to pay transfer fees, and NOW THEY DO NOT WANT MY BUSINESS!!
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC ()

This is not my debt debt. I have never been on this debt. They have been harassing my phone and even text me all the details including amounts owed, settlement amounts, account numbers, original creditors, and personal information. XXXX XXXX debt. Illegal to give other people this information, they text it to my phone.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

On  XX/XX/XXXX  and  XX/XX/XXXX  I sent Dispute letters re : {$2200.00} to Nationstar Mortgage, LLC. The amount disputed, p er N. Star on my   Payoff Quote, was  for interest calculated from  XX/XX/XXXX  to  XX/XX/XXXX . I provided them with " Proof of Payments '' from my bank for period of time Nationstar claims they did not receive Interest.     On  XX/XX/XXXX  I was under contract to close the sale and was forced to pay {$2200.00} to Nationstar or I faced breach of contract, with my buyer by not closing on time.     I requested in said letter, tha t Nationstar Refund the  interest charged incorrectly or provide me with Proof and Payment History, that they were correct in charging the above amount.
Consumer complaint received 2024-05-02
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-08-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2024-05-16
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC (CA)

National debt relief was started by me in early 2023. They told me nothing about not paying my creditors, and months after starting the program I finally had settlements. XXXX of these settlements was taken back without my knowledge. I had money in XXXX of the accounts, but they sent it to a creditor for a large amount. I instantly contacted national debt relief, and all they said was i shouldn't have had the money in there. I have attempted to have them negotiate on my behalf for more than XXXX  months, to no avail. They completely dodge me, and just tell me to keep putting in more money. They absolutely do not do anything to assist with negotiating this last account that was supposed to be settled a year ago. I can't even speak to the negotiations team myself to understand what national debt relief needs from me to expedite this. 

I am so deep into the program that I cant quit now but this has completely changed my life and how I view finances. 


XXXX  company
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC. (PA)

Ally finance has pronounced my car from XXXX on. And in XXXX  it was repossessed, causing my personal items. Documents loss in lost in the process off the repossess It was sold and and was add to my credit as a charge of.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I wanted to pay off my mtg. No information provided on statement. Had to call XXXX, Cust. Serv. Teleprompt - provide loan #. I did. Additionally, I had to provide last 4 digits of S.S #. I did. " XXXX '' identified herself. I asked for loan pay off quote, as written on my statement. She did not understand the ques.. I ask if she is located in the United States. Her response, no. I ask for representative in USA. I was supposily provided one, XXXX, and I have no way to verify that she was in the USA. In this era of identify theft why is my identifying information allowed to be collected from outside of this country? Should n't I have received a warning first? Company is Nationstar Mortgage. Please stop this from being allowed to happen.
Consumer complaint received 2024-05-15
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

I contacted Venmo about a {$6.00} charge, the representative did nothing about it, and I told them that I called XXXX and spoke to a representative about this charge of {$6.00}. The representative from XXXX said that they could not locate the charge on their end and gave authorization to Venmo to remove the transaction on their end. The representative from XXXX sent me an email to send to Venmo which I did. I still haven't been reimbursed for XXXX. I am get charged twice now. I've made several complaints on here and nothing seems to be done and Venmo still is allowing these charges to go through. Can this be expedited to a manager so they can review why Venmo hasn't removed it and continues to allow these charges. I want my money back along with any fees or interest I had to pay because of this.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PRIMARY RESIDENTIAL MORTGAGE (CT)

Primary Residential Mortgage Inc. has a policy if for some reason a payment does not go through as was in my case where there is an automatic payment setup and sometimes the check can bounce even for {$1.00} for which I take a full responsibility for. However, in this case they have a policy when that happens, I have to go on 6 months certified payment method, where I have to physically get a certified check pay a fee for and then mail it which is usually certified mail and adds upwards to {$25.00} in fee per check per month for the duration of 6 months. Now the understanding and communication I received at the time was you need to send us 6 certified check for 6 months starting in XXXX as they wouldn't take a regular bank check. I sent them total of 6 certified checks since XXXX however when I called today and asked if I can pay over the phone for XXXX mortgage, thinking that I complied with their policy by sending 6 certified checks for 6 months I was notified that the lock was in place until XXXX, which means that I have to send additional 2 months of certified checks. I found that misleading and manipulative, as the XXXX of the month is the cutoff for late fees, but the fact that I have to go physically in a branch pay the fee get the check and then go to the post office pay another fee in order to mail the check. I did my repentance and for them to extended as they see it fit is not fair, it feels like the goal post moves constantly and communication is not clear. They can have all the policies they want under thXXXX XXXX XXXX if they ask for 6 months 6 certified checks, that should put me back in black, I really don't understand why are they making things so difficult when it comes to payment, if a consumer wants to pay, take the money stop finding ways and excuses which makes things more complicated than they should be, especially when we live in a world of digital instant money transfers. Thank you
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

First, the doors started opening by themselves in XX/XX/XXXX two weeks after I brought it home, I still had paper work for the truck in the vehicle, it was stolen I couldn't get no tags. I supposedly Traded my XXXX XXXX for this truck they took the tags off the XXXX and put them on the truck. I financed two vehicles one was for my momma it was quitting while turning almost had bad accidents. 

Then, the vehicle had a bad oil leak on or about XX/XX/XXXX. I took it to the shop they told somebody unscrewed the oil filter. It was during covid so I thought I was experiencing symptoms after turning on the A/C. Something foreign was coming from the vents. 

In XXXX I called the bank told them I don't like the truck it's giving me trouble. 
They told me that the deal was done. I was making payments up to XXXX of XXXX, the billing was incorrect it's still incorrect. I lost out on my XXXX XXXX XXXX and about 8 months worth of truck payments for {$900.00} a month. I was scam by both the bank and the car company I have kids we all was sick and confused from that truck. I will not do business with this company again, I had no warning of the bad business tactics that was being played out on me. I'm tired of being ripped off with my hard earned money, I feel like I was targeted. I took the other back and tried to leave it cause they couldn't fix it. It was dangerous for my mother to drive.
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc. (IL)

Account name DEPT OF ED/XXXX Date Opened XX/XX/year> Balance XXXX Monthly Payment {$0.00} Original balance {$1700.00} I contacted the server and I was told I shouldn't have any negative feedback on my report due to me being under a program that doesn't require me to pay the loan. 
I disputed this on my credit report, it still shows up as negative affecting my score. I would like this collection removed my credit report.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

During my routine credit check, I discovered that Capital One has reported two charge-off debts on my consumer credit report. This notation was unexpected and concerning to me, as I have no recollection of any outstanding debts with Capital One. I have kindly requested that they provide me with detailed information regarding this charge-off. Furthermore, as per IRS regulations, if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a 1099-C form to the debtor for tax reporting purposes. Since the debt in question show 's as charge-off on my consumer credit report by Capital One, I have requested that they provide me with the appropriate 1099-C form as required by the IRS, to no avail. I have also requested they provide me with a written explanation of the debt in question, including the original amount, the date of charge-off, and any pertinent details regarding the nature of the debt. Additionally, I have asked that Capital One promptly furnish the necessary 1099-C form to ensure compliance with IRS regulations .
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

There was fraud on our account with " in-person '' purchases from XXXX. We have not been to XXXX and did not make the purchases. Chase bank first removed the charges ( XX/XX/XXXX ) but later added them back ( XX/XX/XXXX ) because my wife said that she did not lose her bank card. 

It's a shame that we have to educate bank executives but essentially, thief 's use shimmers to collect XXXX chip data and then load that info on to blank ( magnetic strip ) debit cards which can be used at certain retailers. XXXX XXXX & XXXX XXXX put out a security report on how this is done. XXXX XXXX & XXXX XXXX opened XXXX bank accounts in the XXXX ( all major financial institutions ) and then did the hack on XXXX of the bank cards. 

The bottom line is that XXXX chips are not secure and when fraud occurs, customers are not responsible to cover the funding of criminals who steal money. 

Cracking the Uncrackable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (MI)

Hello, my information was sold to XXXX XXXX XXXX from XXXX XXXX without my consent. Furthermore, after requesting documentation I realized my information has been sold again from XXXX XXXX XXXX to LoanCare. My initial understanding was that both companies were the same company. Not XXXX XXXX XXXXXXXX. My loan never went into collections with XXXX which from understanding XXXX is a debt collection agency. Also I received my XXXX this year to pay taxes to file. Only to receive a letter from the IRS stating that my information was incorrect within my city taxes and {$800.00} would be withheld. My credit report has been ran at least XXXX  times and still has yet to provide proper validation of debt. According to my promissory note my debt is with XXXX XXXX. 12USC1431, 15USC1681,