davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-09
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. (MI)

I appreciate how you assisted in REMOVING a portion of the fraudulent data in my credit file, however, there are still accounts that should be deleted or blocked. FCRA section 605 requires you to destroy any records detected on an ID THEFT REPORT. This report was mentioned in a recent letter, so I'm including it again. I've notified my attorney of my plans, and they are eager to hold you accountable for your tenacious defiance. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Subject : Urgent : Assistance Needed Regarding Closed Credit Card Account Dear Customer Service, I hope this message finds you well. I am writing to address a concerning issue with my credit card account. Recently, I discovered that my credit card account has been closed due to inactivity. 

I want to emphasize that I have maintained an impeccable payment record without any late payments or issues with the bank. Despite being an elderly woman, I may not use my credit card frequently, but I have consistently upheld a good standing credit throughout. 

Upon contacting your customer service, I was informed that the account closure was a result of inactivity. However, I never received any prior warning through mail, email, or phone call. The only communication mentioned was a single mail sent to my current address XXXX year ago, which I did not receive. 

I find it unacceptable to close an account based solely on XXXX communication, especially when it was not received. I have been a loyal customer, and I believe my credit history reflects my responsible financial behavior. 

I kindly request your assistance in recovering my credit card account. I believe that the circumstances outlined above warrant a reconsideration of the decision to close my account. It is disheartening that my plea was refused when I contacted your customer service. 

I appreciate your prompt attention to this matter and hope for a swift resolution. If necessary, I am willing to provide any additional information or documentation to support my case. 

Thank you for your understanding and cooperation. 

Sincerely, My card info is : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX mailing address : XXXX XXXX ct, XXXX CA XXXX. 
phone number : XXXX thank you, Sincerely, XXXX XXXX
Consumer complaint received 2024-04-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IL)

I have been trying to collect the funds in my deceased mothers IRA account since XXXX. I have made at least 3 attempts and have been told it will be sent either today or the following day. It is becoming obvious that people are lying and this company does not want to pay out this money. I called today XXXX and was told again it will be paid tomorrow, the exact same thing I was told 10 days ago on XXXX I was told this about 2 weeks prior to the last date. I have complied with all their requests and have been told there is no problem with the account. They simply will not send me my money and either give me wrong information or are lying.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate These accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
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. (TX)

In XXXX of XXXX, my car was broken into. I had a debit card stolen and a XXXX XXXX XXXX credit card stolen. My bank fixed the fraudulent charges on my debit card. However, the XXXX XXXX XXXX was newly opened and I had never used it. yet, someone had made a {$1200.00} purchase on it. I reported the card stolen to XXXX XXXX ( the number on the card ) immediately, I was told that they would sort it out and issue me a new card. They never did either. Now this debt is severely effecting my credit. The debt is not mine. This company allowed someone who was not me, make a purchase in their store, without even checking their identification.
Consumer complaint received 2019-07-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a phone call from Portfolio Recovery on a XX/XX/2019 Sunday at XXXX XXXX. From my understanding they are not permitted to call on a Sunday past XXXX XXXX my local time.
Consumer complaint received 2024-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (NC)

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX is in Violation of The Fair Debt Collection Practice Act 15 U.S.C 1692 against me, XXXX XXXX as of XX/XX/XXXX. On XX/XX/XXXX, it was brought to my attention via a phone call from RMP LLC, that they are attempting to collect a debt that I do not owe and to furnished negative information to the Credit bureaus against my XXXX XXXX XXXX, in violation of 15 U.S.C 1692. 
I XXXX XXXX never received notes of this alleged debt from RMP LLC in violation of 15 U.S.C 1692 ( g ) ( a ) and was never afforded the opportunity to dispute this alleged debt in violation of 15 U.S.C 1692 ( g ) ( b ). I DISPUT THIS ALLEGED DEBT IN ITS ENTIRETY. If reported to the XXXX major XXXX XXXX XXXX, this negative information will grossly affect my ability to borrow money from any Financial Institutions and will affect my credit worthiness. 
I am also concern that a XXXX XXXX ( Unauthorized access, use, or disclosure of Protected Health Information ) ( PHI ) may have accrued due to the statement made to me by XXXX XXXX ( ID # XXXX ). She asked several times did you received and used A XXXX XXXX that may have been sent to you : In addition, XXXX XXXX used obscene language, the natural consequence of which is to abuse the hearer of her words, in violation of 15 U.S.C 1692d ( 2 ) Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of XXXX. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of XXXX XXXX against RMP LLC, Sincerely, XXXX XXXX
Consumer complaint received 2024-11-14
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: Atlanticus Services Corporation (GA)

I recently submitted a report aiming to clarify incorrect information sent by the credit bureau to my email. I am writing to dispute an error on my credit card statement formally. Although I requested additional investigation into the matter, it seems to have been overlooked. Please provide prompt attention to this dispute and send a confirmation receipt to keep me informed of progress.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; 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 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I gave a dealership {$2000.00} down payment but they only put down {$200.00} which made my interest rate and monthly payment go high. Told them I couldn't keep up with the payments so the car got repossessed. Because of the dealership mistake I wasnt apple to pay off the monthly payments and now the car of gone, I dont have money to pay of the remaining balance the finance company is asking for.
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive contacted transunion several times about these unauthorized inquiries on my credit, as well as submitted an FTC report and they still have not removed these inquiries from my credit report as requested : 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 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc (MI)

On XX/XX/2023, I checked my " Affirm Spending Power '' in my app that is tied to my cell phone number and my account that I have had for years. I was going to purchase a new XXXX from XXXX. 
When I went to check out, however, Affirm put me through a brand new process of " verifying my identity '' upon which they asked for copies of private documentation, and a selfie, that they claimed would allow them to verify my identify- nevermind that I've already spent THOUSANDS of dollars with them via the app and paid off several thousand dollars to them. 
The " id verification '' apparently uses a nonsensical AI to " verify '' the identity, and for some stupid reason, they claim that I didn't meet the ID vertification requirements. 

I am quite miffed over this for several reasons. 1. ) I have used Affirm numerous times before and have paid off several thousand dollars over the last few years with zero issues. 2. ) In the app, they claim, and are still claiming that I currently have {$3200.00} for purchasing power- but of course I can't use it. 3. ) I am very worried about them asking for identity verification, and submitting my information into some AI system, and then not being " verified '' as who I am. This is frightening.
Consumer complaint received 2024-04-19
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2024-11-14
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX, my car was repossessed by Westlake Financial Services and was later sent to XXXX, FL for auction. I received a letter stating that I had until XXXX to make payment to avoid it going to auction. The payment was made on XXXX in the amount of {$1700.00} which is what I was told was owed. I asked for confirmation of payment and fees owed ( never got and was told they do not send outside emails/letters ). I then go on to my online portal and have now been charged additional fees which I have been given inconsistent answers about. This company shipped my car 4 hours away from the city I live in and is causing more fees to incur due to not sending release notice to auction facility. I have contacted this company multiple times and spoke to multiple agents from XX/XX/XXXX to date of this complaint. I have tried to get this rectified but keep getting the runaround. The car has yet to be released and is causing an undue financial burden.
Consumer complaint received 2023-12-18
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2023 a hard credit check was done by SYNCB/XXXX followed by a charge and balance amount of {$3400.00}. Called SYNCB on XX/XX/XXXX was told they were reporting identity theft and would be sending out a claim information letter. 

On XX/XX/2023 a hard credit check was done by XXXX XXXX XXXX XXXX, at XXXX XXXX received an email with receipt of a charge for {$200.00}, at XXXX XXXX received a from XXXX Bank to verify if I was opening this account and replied no. 

I put a freeze on all XXXX of the credit reporting agencies
Consumer complaint received 2015-07-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager was changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The entire process was horrific.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-02
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. (SC)

The last verified, date open, closed date, creditor type, payment frequency, the comments and remarks are being reported incorrectly. please removed this damaging information from my report. 
Account status TransUnion show Derogatory, XXXX, and XXXX shows paid. 
Also date opened TransUnion show XXXX XXXX XXXX. And XXXX XXXX 
Last Reported TransUnion shows XX/XX/XXXXXXXX XXXX XXXX and XXXX show XX/XX/XXXXXXXX 

Comments : TransUnion stated Settled- less than full balance. 
Comments : XXXX Account legally paid in full for less than the full balance. 
Comments : XXXX : Settlement accepted on this account or paid account/zero balance. 

Im requesting that this account be removed from all 3 Credit reporting agency. Please investigate this account! I know if it is not reporting correctly this needs to be deleted off my report Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I submitted an IDR repayment plan request on XX/XX/XXXX. I checked the documents received in MOHELA account on XX/XX/XXXXXXXX  and the IDR plan application said cancelled but did not say when it was cancelled or why. I was never notified of this and there was no explanation as to why it was cancelled. They also sent me an email on XX/XX/XXXXXXXX  that I have missed a payment of {$170.00} on XX/XX/XXXXXXXX  but when I called Mohela said I was on forbearance till XXXX  however my account showed a missed payment. The information is not aligning and I should not have been charged a payment in XX/XX/XXXX. Mohela never notified me about the status of my IDR application and notified me through phone my account was on forbearance till XXXX  but then charged me a missing payment on XX/XX/XXXX.
Consumer complaint received 2024-04-19
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX