davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2024-01-09
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: EQUIFAX, INC. (TX)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was repeatedly called by Portfolio recovery over XXXX times in a 10 year period for a debt that hadnt been on my credit report for at least that long. I asked for them to stop on multiple occasions which they did not. 
They never sent me anything in writing notifying me of what the debt was but refused to speak to me the first several times without reading a full disclaimer saying this is an attempt to collect a debt and any information we get from you will be used to collect that debt. There was no legal debt. They used this to intimidate and proceed with threats. 

The debt no longer existed by the time PR got it. They bought it after its removal from my credit report and continued to call me not just multiple times a day but multiple times a week. Their purchase is not my problem nor responsibility. 

They will say they have stopped calling and that is a completely unacceptable response. They stopped because I took action and would not have stopped otherwise. The damage is done and they need to be held accountable. 
This was made illegal in NY to after 2022. They continued well after that. 
They called XXXX times. I am contacting the AG.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (LA)

I XXXX XXXX XXXX, had negative and false and misleading information reported to my consumer reports all XXXX including XXXX XXXX and XXXX by Jefferson capital systems, on a collection of an alleged debt by, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that XXXX XXXX had knowledge it was A alleged BAD DEBT. No UCC XXXX liens to prove alleged debt. Request books of accounts of credit pursuant to IRS XXXX to verify and validate. NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. XXXX CODE XXXX False and Misleading Representations XXXX code Notes/ A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( XXXX ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which XXXX be lawfully received by any debt collector for the collection of a debt. XXXX. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue XXXX XXXX by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc XXXX upon this notice you have been notified
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (GA)

I recently lost my job due to the company 's layoff. As a result my last paycheck was mailed to me and not direct deposited. I contacted LendingClub on XX/XX/2019 to advise them of my job loss but that I could make the next payment. They advised there would be a 15 day grace period following the XX/XX/2019 due date. I contacted them again on XX/XX/2019 to request that they cancel the autopayment as the paycheck deposit had not cleared my back. They advised me they were moving the payment date to XX/XX/2019. The deposit cleared on XX/XX/2019 in my bank account. I logged into my LendingClub account to make a payment and found that they have blocked online payments. So I looked up in their help documentation where to send a check and sent them a check directly from my bank service. I then contacted them via email to advise that the check was on the way. They responding saying they will apply late fees, extra interest, and fees for processing a check.
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

the XXXX XXXX XXXX relied on deceptive advertising to attract students, falsely claiming to work with employers such as XXXX, XXXX, XXXX, and XXXX to create job opportunities for XXXX XXXX XXXX students and tailoring its curriculum for the job needs of such companies.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I thought the problem was solved as I had already filed a complaint with you guys. But yet again the call several times a day from different numbers. I don't know the person they are looking for. They a e calling for a XXXX or XXXX XXXX. The number doesn't belong to him. Or myself XXXX XXXX and I have already asked them to cease all communication as I am filing bankruptcy. I just want the calls to stop. This is now harassment
Consumer complaint received 2024-05-02
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: CL Holdings LLC (AL)

I have two accounts thats being reported from Jefferson Capital. One from XXXX XXXX and the other one from XXXX XXXX. I disputed both account through all three credit bureaus which they verified the accounts as accurate. I sent two round of debt validation letters and there was no response or feedback provided.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP (CA)

An item showed up on my credit from a law firm Kimball , Trey & St John on behalf of XXXX XXXX XXXX. Saying that I owe {$6600.00} for an eviction. I contacted XXXX  and disputed the line item letting them know it was not my debt and for this to be removed. In retaliation they filed a levy on all property against me. I have never lived at the property. I had no idea about this until I received a Notification of Levy, filed XX/XX/2018, AFTER they XXXX XXXX out my bank account with XXXX XXXX. I tried contacting them but was unsuccessful. I have sent a letter demanding they provide CREDIBLE proof this is my debt. The levy they have improperly placed on my bank account and all property causes a hardship on my life as I only receive assistance from the state as I have a XXXX XXXX child I take care of. In addition this has greatly affected my credit report in a very negative manner.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (GA)

I have been trying repeatedly since XXXX to have my name added to the account for the mortgage on the home I XXXX  from my XXXX mother so that I could communicate with the mortgage holder, NewRez ( formerly XXXX Mortgage ). I always send them what they ask for and they never follow through. I live in fear every day that something will happen and I will lose my home because of NewRez 's refusal to speak with me about my account. It has already cost me my homeowners insurance policy and I am now forced to purchase a fraction of the coverage needed through NewRez for triple the cost ( or more ). I recently engaged an attorney to help me resolve this and learned that NewRez is in violation of the XXXX XXXX XXXX XXXX XXXX by not allowing me to assume my XXXX  mother 's mortgage. The attorney sent a letter to NewRez concerning this violation which they ignored. I make the monthly mortgage payment and I pay the annual property tax. My name is on the deed and the property tax statement. 

At a minimum, I have provided the required documentation to NewRez on the following dates. There are more but these are the ones I have at my fingertips : XX/XX/XXXX ( XXXX Mortgage ), XX/XX/XXXX ( NewRez ), and XX/XX/XXXX ( NewRez, after which my insurance company cancelled my homeowner 's policy on XX/XX/XXXX ),
Consumer complaint received 2024-05-02
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: Birchwood Credit Services, Inc. (MA)

I have a few hard inquiries that i do not recognize nor did i give permission to happen. 

XXXX XXXX XXXX Birchwood credit XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/year>, Fair Collections and Outsourcing INC. placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (MO)

Account in collections : Source Recvb XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (GA)

I paid the XXXX account through TrueAccord and received a settlement letter. However, the XXXX hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with XXXX several times, but without success.
Consumer complaint received 2024-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (CA)

Doctor medical center File # XXXX, XXXX XXXX CA XXXX Send me bill for XXXX as final bill on XX/XX/year> for past procedures. I called them to make a payment plan but they told me they will give be discount if want to pay today. Told me 30 % but gave me discount of XXXX. Now sent the same bill for collection. Because it was on phone I just trusted them to pay in full. Now any time I call I am being directed to collection agencies. I paid XXXX out XXXX and only services was given XXXX XXXX for XXXX XXXX and PA not a doctor gave me the diagnosis that I am XXXX XXXX. I was sitting in waiting room all the time.
Consumer complaint received 2023-11-23
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC (OH)

XXXX this person has had my file since XXXX, he looked at my XXXX report XX/XX/XXXX for some reason, he doesn't report there ( proof attached ), did NOT use it to get my address and send me a bill and debt validation like he's required to do, but that didn't stop him from reporting me to two credit bureaus in XXXX, before he ever let me know he held my file. I still haven't received a single sheet of paper from his office. He could find {$10.00} though, so he's got billing records. I'm entitled to all of them. Also please make sure he's properly showing my MEDICAL debt. He likes to pretend like he doesn't know how to do his job. Thanks. I'm attaching stuff you probably have access to.

HEY WAKEFIELD PEOPLE " Scoring company XXXX now excludes all paid and unpaid medical collections regardless of how much is owed or how long the debt has been in collections '' and " XXXX said the most recent medical debt guidance would have little impact on its scores because of the way it already differentiates between unpaid XXXX XXXX and other kinds of unpaid debts. '' So tell me again how you're allowed to not clearly label my medical debt as medical debt. That's BS, it's also illegal, and you know it. Next I want you to explain the statement " meets requirements of the fair credit reporting act ''. Because you've had my file since XXXX, poked your nose in my XXXX report XX/XX/XXXX, reported me to every bureau EXCEPT XXXX in XXXX, and it's XXXX now and I've *hollered* for debt validation, verification, and itemization through here and 2 disputes and you've sent squat. Zero of that meets the requirements of the fair credit reporting act so please remove that statement, and send me your records. You found {$10.00} so you've got billing. I want it NOW
Consumer complaint received 2023-11-23
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. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2023-04-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I changed my phone number because they have called me repeatedly! I dont know what company it is or what the debt is for. I have head medical insurance for years so I don't understand how I owe. and isnt that a violation of HIPPA?
Consumer complaint received 2023-07-18
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. (TN)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/scrub>XXXX XXXX, I had SCRA benefits applied to my car loan account with Regional Acceptance Corporation resulting in my then current account being paid in full. I was also issued a refund from those benefits being applied and the account being paid in full in the amount of {$4000.00}. I was told that it could take up to 30 days before I received my check. Thirty plus days pass and I havent received my check yet. I reach out to XXXX around late XXXX to see what the status of receiving my check was and they were under the impression that it had been sent out but still put a stop on the first check and reissued me another one. The representative informed me that it could take up to 21 business days for reissuing. It is no late XXXX and I still havent received my refund check from XXXX which now has sparked an investigation with their legal department. The representative I spoke with in late XXXX took my information and assured me that I would hear back from them by close of business that day. I received a phone call later that day with unfortunate news. I was informed that on XX/XX/year>, my check was cashed by a name whom we couldnt confirm due to the legibility and it was discovered to have been at a chase bank according to the transaction number on the copy of the stolen check that was provided to me by XXXX. XXXX lets me know that at that point, there was nothing else they could do for me being that the check was cashed and that I would need to make a fraud claim with XXXX. I did as instructed only to run into a dead end with XXXX telling me that I couldnt make the fraud claim because it wasnt my account that the check was cashed to and I needed reach back out to XXXX and let them know that they had to be the one to make the fraud claim. I relayed the message back to XXXX and they reiterated that there was nothing they could do on their end being that the check was cashed and basically it became my problem from there. I have no received my check as of XXXX and neither XXXX nor XXXX is willing to help me or look further into the issue.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

I paid the Affirm account through XXXX and received a settlement letter. However, the Affirm hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with XXXX several times, but without success.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

The presence of a bank loan on my credit report has come as a surprise to me, as I have no recollection of being involved with this particular lending institution. Moreover, I have never seen any collection agency associated with this bank. Given these circumstances, I am concerned that the presence of this loan on my credit report may be in error. 


I would like to request that the collection be removed from all three major credit bureaus, namely XXXX, XXXX, and XXXX. Thank you for your assistance in this matter.