davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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. 

XXXX XXXX XXXX XXXX XXXX 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. 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 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management is in clear violation of the law for contacting a third party or consumer reporting agency with my nonpublic personal information without legal authorization. I obtained a copy of my XXXX report and noticed an inaccurate collection account they furnished with an alleged debt of {$750.00} along with 1 late payment on ( XX/XX/XXXX ) that is not owed. Midland Credit Management can not provide me with a copy of an original signed consumer agreement where I gave them written authorization to furnish anything on my consumer report which violates 15USC 1681 ( B ). They also can not provide me with the original statement they sent me 21 days before the late transaction in this collection account was reported on XXXX which is a violation of 15USC 1666 ( b ). By furnishing this transaction, they also violate 15 USC 1681 ( 2 ) ( a ) ( i ) which states all transactions or experiences to any person are excluded from my consumer report which means late or not, my transactional history to any company is not supposed to be reported on my consumer report. On ( XX/XX/XXXX ), I sent Midland Credit Management a notice of their violations to cease and desist all collections activity regarding this alleged debt that is not owed to you or XXXX XXXX  as per 15USC 1692 ( c ). I have no legal responsibility to this debt and refuse to pay this alleged debt. The original creditor they listed on XXXX, XXXX XXXX  removed this credit card debt account from my credit reports before attempting to sell it to them because the data furnished was unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ). 5 months later, they are attempting to collect this same debt that has already been proven to be inaccurate with noncompliance to the law by parking this inaccurate collection account and violating the FDCPA & 10006.30a and REGULATION F which took effect on XX/XX/XXXX. Due to their violations, Midland Credit Management must remove this collection account from my XXXX report.
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 : XXXX XXXX XXXX - XXXX I have tried have tried to resolve with the original creditor or collection company. But they are giving me NO RESOLUTION.
Consumer complaint received 2024-02-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services (CA)

Mercedes Benz Financial Services continues to call and send me threaten mailings of seizure of my personal vehicle for this alleged debt. The contract that is the note that is being held by Mercedes Benz Financial Services is being used to raise capital. The equity that the note has made belongs to me since this is my financial asset and I have highest claim. Lawfully Mercedes Benz Financial Services should apply any interest to settle the allege balance due and return any over payment or they have engaged in securities fraud and I would like the CFPB to forward this report to the SEC to investigate my claims further. The Federal reserve Act prohibits banks from using anything other than notes, drafts, bill, and other negotiable instruments for repayment of notes. Mercedes Benz Financial Service requiring me to pledge my private vehicle was misleading and fraudulent when they issued me this contract they were banking on me defaulting so they could take the goods and continue to trade on the note they do not have possession of because they have sold it for profits.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (LA)

I recently reviewed my Consumer Report where I discovered that ( SBNA/ SELF LENDER ) reported what was notated as a ( LATE PAYMENT ) ( XXXX ) on my credit report. In pursuant to title 15 U.S.C. 1666b, No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my consumer report should be based in accordance with my written instructions.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. XXXX, Equifax, nor XXXX has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account from my credit report.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I recd texts saying my monthly amount was owed. I called the storage place because we moved out and informed them we moved. I told the gentleman that I keep receiving texts and he said the system was having issues. I called the next month as well he said it was an error not to worry about it. Then in XXXX I recd a collections notice for $ XXXX. My mo rent was only {$100.00}!. I called collections left a message. No call back. Called collections again and left another message. No call back. Called collections a 3rd time. I asked the guy for a detail of how the amount owed was over $ XXXX. He said to read my contract ( which states nothing ) I asked for a detail of the amount and did not get that. I told him I was disputing the amount owed which stated on the form I needed to do by XXXX -which I did. I have not heard back from anyone but its now on my credit and effected my credit score drastically
Consumer complaint received 2018-11-26
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 — Investigation took more than 30 days
Company: Premier Auto Finance of South Florida (FL)

I notice that XXXX XXXX was reporting to XXXX incorrect information regarding a loan for a car I do not have ( nor never had in my possession ) I called and tried speaking with XXXX I asked why were they reporting this info to XXXX   and to please provide me with proof tis belongs on my account and that I would be sending a certified letter and want a response that this is my account or remove it from my credit report asap I gave them 30 day this was sent out in XX/XX/2018 on XX/XX/XXXX XXXX XXXX signed for it and as of now I have not received anything however this is causing me to have negative remarks on my credit and it not good please help me resolve this very important issue
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. XXXX, XXXX, nor Transunion has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account from my credit report.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Client Services, Inc. (MI)

Hi my name is XXXX giving you a call with client services in reference to your existing credit card account it is showing here in our system that your interest rates are going to be increasing on your next monthly billing cycle I see that you are eligible for XXXX XXXX interest rate for what I'm going to do is put this in a pending status until you give us a call back I can be reached at my direct line which is XXXX again that number is XXXX you can speak with me or any of my colleagues thank you and we will speak with you soon This is the XXXX i received and think its a scam. Phone number XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested that a few accounts on my credit file be investigated for inaccuracies by TransUnion starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IN)

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX  account # XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, account # XXXX, XXXX XXXX, the fraudulent bankruptcies that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, and U.S. Bankruptcy Courts Bankrupto XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent.

If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

I reviewed my credit report and saw that Berlin Wheeler placed a collection account on all three reports. They are claiming I owe XXXX XXXX for an account. I am currently a XXXX XXXX customer and my account is current. I filed a complaint with XXXX and Berlin Wheeler admitted that they were violating FDCPA and FCRA laws by not sending me an initial letter or allowing me to dispute their claims prior to submittal to the credit bureaus. Berlin Wheeler is also violating the automatic stay that is in placed by the XXXX XXXX XXXXXXXX. Berlin Wheeler is asking for over XXXX dollars.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

LVNV FUNDING LLC doesnt have the right to collect debt in the state of michigan as per Michigan Compiled Laws MCL specifially MCL445.252 it is unlawful for a collection agency to engage in debt collection activites without proper licensure in the state.
Consumer complaint received 2024-03-25
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. (NJ)

XXXX XXXX XXXX opened XXXX XXXX amount {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

About 6 months ago I got a stipend check from my college for around XXXX dollars. As a new Citizenz bank client they said I had to wait 5 to 6 days. Now on Saturday I did something similar and I was told that since I am no longer a new client it would only take two days to clear. I was told this by two separate res at two separate time, one being yesterday. The company seems to be holding checks longer in order to inflate the amount they can lend at interest. Please look into any criminal actions found herein.
Consumer complaint received 2024-01-12
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: Resurgent Capital Services L.P. (FL)

I hereby dispute the validity and accuracy of the account listed below fully and I also request verification of the alleged debt with a copy of the original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I'm requesting this because I have had different companies reach out to me about the same alleged debt .investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
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 (GA)

They keep emailing, and calling me. Ive requested debt verification numerous of times and just keep getting very rude associates that refuses to verify or send verification. But they know they cant cause its not mines. Just go read the reviews it seems really scammy. They need an investigation open on them. And I want this deleted off me and my wife credit immediately.
Consumer complaint received 2024-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC (CA)

On XX/XX/XXXX I received a letter from LoanCare stating that they do not have proof of hazard insurance, in which I ignored the letter because I knew that I had closed escrow on XX/XX/XXXX with XXXX XXXX XXXX XXXX with proof of insurance. 
On XX/XX/XXXX I received another letter second and final notice, at that point I contacted them and sent them the proof of insurance from XXXX. 
On XX/XX/XXXX I received a letter from LoanCare stating that the insurance will not suffice and that I had 30 days from the date of that letter or LoanCare will obtain their own coverage. 
On XX/XX/XXXX I obtained insurance with XXXX effective XX/XX/XXXX and had them sent the clause to LoanCare. 
On XX/XX/XXXX I received a letter from LoanCare stating that they charged me {$560.00} against my escrow account because they placed their insurance from XXXX. 
I called LoanCare several times to dispute the {$560.00} charge against my escrow account, following dates. 
XX/XX/XXXX no name rep... 
XX/XX/XXXX spoke with XXXX employee # XXXX, said someone was going to call me back... 
XX/XX/XXXX spoke with XXXX, was advised the same thing... 
XX/XX/XXXX spoke with XXXX, told me the same thing... 
XX/XX/XXXX spoke with XXXX, was told the same thing... 
XX/XX/XXXX Spoke with XXXX employee # XXXX he escalated to XXXX employee # XXXX he escalated to get a case XXXX assigned... 
XX/XX/XXXX XXXX employee # XXXX, told me escalation was received and waiting on insurance department... 
XX/XX/XXXX XXXX called with decision, they dont agree to refund and will keep {$560.00} charge .... 
Fax # XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Virginia XXXX, VA XXXX
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (MO)

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 : XXXX XXXX XXXX - XXXX I have tried have tried to resolve with the original creditor or collection company. But they are giving me NO RESOLUTION.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am distressed that I have included the information below in my credit profile and that the credit union have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I sent the first letter to verify the information on XX/XX/2023. and I still haven't received any information on the accounts on my report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX  Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX XXXX, XXXX Account XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am expressing my serious concerns regarding the unauthorized access to my personal information and the reporting of information to credit bureaus by your XXXX XXXX and LVNV Funding Collection. After a thorough examination, I am not aware of any contractual relationship or agreement that would authorize these agencies to handle my personal information or report any details about my financial obligations. 

I understand these companies may be engaged in debt collection activities ; however, it is imperative to emphasize that the absence of a contractual relationship between me and you raises questions about the legality and validity of their actions. As a consumer, I have not entered into any agreement or contract with either agency that permits the collection of my data or authorizes the reporting of such information to credit reporting agencies. 
According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting, and any information reported must be substantiated and legally permissible. I am concerned that the reported information may be I kindly request that they provide written documentation establishing the legal basis for their collection efforts, which they failed to produce, and the reporting of information to credit bureaus concerning my account. 
Additionally, please provide any relevant contracts or agreements that authorize your agency to handle my personal information and report on my credit. accurate, incomplete, or reported without proper authorization. 
Until such time that proper authorization and documentation are provided, I insist that they cease all collection activities related to my account and remove any reported information from my credit report. 
Failure to provide the requested documentation within [ reasonable timeframe, 15 days ] will compel me to escalate this matter to the appropriate regulatory authorities and pursue legal remedies available to me under applicable laws.