davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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. (FL)

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 number : 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 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 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I previously applied for autopay and now loan XXXX is REMOVED from autopay and I had to REAPPLY on XXXX, see original response from Aidvantage that confirmed all loans were in autopay : Per your request, we have reviewed your account and confirmed your initial Auto Pay application from XX/XX/2023 was processed on loan XXXX only, which was in its own billing group, and not on the remaining loans. On XX/XX/2023 you called and spoke with an agent after submitting a second request to be enrolled in Auto Pay. The agent confirmed your Auto Pay was due to be processed prior to your first monthly payment due date on XX/XX/2023. We have confirmed that all your loans were enrolled in Auto Pay on XX/XX/2023. We have updated the 0.25 percent interest rate reduction incentive to be effective XX/XX/2023, the date the original application was processed.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLOBAL SOLUTION BIZ LLC. (IL)

I am writing in response to your recent phone call on XX/XX/2023, in which you threatened to come to my home if I do not pay my debt immediately. I want to express my deep concern about the tone and manner of your communication, which I find intimidating and aggressive. 

I do not believe that it is appropriate for you to threaten to come to my home. Such tactics are not only unprofessional but also illegal under the Fair Debt Collection Practices Act. 

As a consumer, I have the right to be treated with dignity and respect. Your actions have made me feel harassed and frightened, and I do not think it is reasonable or justifiable for you to use such tactics to collect a debt. 

I have received text messages with screenshot of personal information. Which is my state identification, my address, etc personal information that was tagged in with the message. My only problem is if I would have changed my number someone could have my personal information! 

However, I would appreciate it if you would refrain from using such aggressive tactics in the future.
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

I am filing this complaint cause I got a personal loan from Marcus by Goldman Sachs on XX/XX/XX/XX/XXXXthe partial account number is XX/XX/XXXXXXXX I went to purchase Credit monitoring with XXXX and was denied access to my credit report. When I called XX/XX/XXXX Customer service I was told that one of my creditors which is Goldman Sachs was reporting my account with the social security number transposed. They are reporting XXXX and my social is XXXX. 

I was told my credit file will remain supressed until Goldman Sachs corrects the issue
Consumer complaint received 2023-04-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NC)

Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXX XXXX XXXX XXXX  I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. 

According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle.

Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle.
Consumer complaint received 2024-04-05
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 INQUIRY XXXX XXXX XXXX XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX EMPLOYER XXXX XXXX XXXX
Consumer complaint received 2023-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

XXXX Credit Card - Balance of {$5000.00} - Acct # XXXX XXXX XXXX Credit Card - Balance of {$1400.00} - Acct # XXXX XXXX XXXX XXXX  - Balance of {$4500.00} - Acct # XXXX XXXX XXXX - Balance of {$3100.00} - Acct # XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

XXXX Credit Card - Balance of {$5000.00} - Acct # XXXX XXXX XXXX Credit Card - Balance of {$1400.00} - Acct # XXXX XXXX XXXX XXXX - Balance of {$4500.00} - Acct # XXXX XXXX XXXX - Balance of {$3100.00} - Acct # XXXX
Consumer complaint received 2023-08-15
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
Radius Global Solution is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by Radius Global Solution.

Please be advised that providing a memorandum or other statement from your agency, stating that Radius Global Solution the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (AL)

On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face legal action
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I received an email saying I applied for a Chase Sapphire Preferred credit card, which I did not apply for. The email does not appear to be a phishing email. I contacted Chase since this has also happened to a member of my household twice in the past 3 months and they could not provide much details just that someone maybe stole my identity. However, I dont believe its a coincidence that this is only happening with CHASE BANK . They agreed to close out the application and contact all credit bureaus to have the inquiries removed from my credit.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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 2021-08-05
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: ACIMA CREDIT, LLC (MA)

In my XXXX credit report shows that there is a lease from ( cima credit XXXX  ). For a quantity of {$8300.00}. Loan that I didnt know anything until I receive my credit report last month. Reason of why I believe that my identity was stolen and used for that. Thought I already talk to the company about it and all they said was that I had to make a police report first.
Consumer complaint received 2023-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY ASSOCIATES placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX
Consumer complaint received 2023-10-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (TX)

Ive been requesting a payoff to sell my house for months. They have had many delays or dont answer the phone. Ive reach out to XXXX loan management services, to acquire a payoff. They wouldnt provide the necessary information then eventually they hired lawyers to foreclose my house. I called daily to obtain a payoff to sell until I lost a sale trying to sell owner to owner. I then hired a realtor to help sell the house. I repeatedly requested a payoff quote from rushmore and their lawyers until rushmore loan services transferred my loan to rushmor services. I acquired another buyer and had a closing date. However Ive had to postpone sale twice due to XXXX not providing payoff quote. XXXX on the verge of loosing another buyer and less than a month away from my house being foreclosed. I would have already sold my house before the foreclosure process if I had the payoff quote. Currently I still cant sell my house because they still dont provide the pay off, which will be more expensive due to lawyer fees because of their delays.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have asked for verification multiple times and they continue to park these items on my account and they were previously deleted by experian and re added with proper notification I have stated to them what the congress labeled excluded from a consumer report charge offs and late payments on the list 15 USC 1681 a D2 A1 says that is under the exclusion section. They will not verify any information and after dissputing 3 times with no verification or information regarding the investigations they have actually added 20 months of late payments history making it impossible to get a car or an apartment or a credit card this is ruining my life and they refuse to follow any kind of laws or instructions by me and tell me the law dosnt have any change in there policy
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A States i have the right to privacy.

! 5 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.
Consumer complaint received 2020-04-05
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: EQUIFAX, INC. (PA)

The credit bureau placed an aged account on my credit report from XXXX XXXX without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was verified
Consumer complaint received 2018-05-08
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: Experian Information Solutions Inc. (FL)

I am a victim of Identity theft and Experian, XXXX, and XXXX  is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.
Consumer complaint received 2023-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I recently closed on a house with Wells Fargo, and when I got the final disclosure, saw that they charged almost {$1400.00} for an appraisal. I paid about {$900.00} at the start of the loan process, and was told that any money left over would either be refunded or put towards final closing costs. The website said that an appraisal costs between $ XXXX {$500.00}, and even with inflation, it should not have been anywhere near {$1400.00}. I tried calling them, but was just told that was what it cost and couldnt offer me an explanation of why it was four times what their website said. They gave me a credit of {$600.00}, but only because I was {$600.00} above the legal limit for closing costs. They didnt pay attention to who they sent out to appraise the house the first time, and the person wasnt licensed to do an appraisal in this zone so they had to send a second appraiser out last minute, but I was promised I wouldnt have to pay for both. Im not sure if they charged me for both anyone and tried to cover it up, or if it was just a scam on their part to see how much extra money they could get. I was a few days away from closing when I got the disclosure and didnt have any time to argue or investigate and had already spent so much time and money that I couldnt afford to back out, so I just paid the money. I feel like there was definitely something off though, this is not the first time Ive bought a house, and I asked someone who has 30 years of experience buying all kinds of property and they agreed {$1400.00} was an outrageous amount to charge
Consumer complaint received 2018-05-07
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: CITIBANK, N.A. (CA)

On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to CNBA On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to Citibank N A On the day of each inquiry, I was notified by XXXX and both XXXX and myself called Citibank to notify them that was not me the application was fraudulent. 

Citibank took the appropriate actions and notified XXXX, XXXX XXXX and XXXX. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - XXXX will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - Citibank helped during the initial dispute but now has no idea what to do. I asked them to notify XXXX that these two inquires are fraudulant and must be removed.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-12
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: SYNCHRONY FINANCIAL (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.