davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (PA)

I recently received forms from XXXXXXXX and XXXXXXXX representing Discover Card. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by Discover that the debt was charged off, the judgment was taken off and XXXXXXXX and   XXXX no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel XXXX from this and my XXXX  are getting worse which is what my XXXX XXXX is. Since XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (FL)

I requested for validation of debt and your company sent me a list of statement and a fraud packet. THAT IS NOT VALIDATING THE ALLEGED DEBT. YOUR COMPANY HAS VIOLATED THE FDCPA BY FURNISHING DEEPTIVE FORMS AND COMPILING INFORMATION TO MAKE IT AS IF IT IS A BILL. YOUR COMPANY IS ALSO BIOLATING THE FCRA YOU ARE TEPORTING THIS ACCOUNT ON MY CREDIT INACCURATE AND INCOMPLETE YOU ARE A THIRD PARTY DEBT COLLECTOR WHO IS REPORTING THE ACCOUNT ON MY REPORT. HOW CAN A COLLECTION BE LATE? YOUR COMPANY IS CAUSING DAMAGE TO MY REPUTATION EMOTIONAL DISTRESS XXXX AND DEFAMATION TO MY CHARACTER. NOW I AM SIMPLY DEMANDING THAY YOU REMOVE THIS ACCOUNT FROM MY REPORT OR I AM TAKING MY CLAIMS UP WITH AN ATTORNEY TO FILE A LIGITATION AGAINST YOUR UNFAIR DEBT COLLECTION PRACTICES AND SEEK CIVIL LIABILITY AN ACTUAL DAMAGES OF {$1000.00} PER VIOLATION. PLEASE DELETE THIS ACCOUNT FROM ALL 3 OF MY CONSUMER SEE ATTACHED.
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized collection activities by Southwest Credit Systems concerning a fraudulent account attributed to me due to identity theft. Below are the pertinent details of my case : Incident Date : The unauthorized collection account was discovered on my credit report on XX/XX/2024. It relates to an alleged debt of {$820.00}, associated with an address in Texas, XXXX, which I have never resided at nor authorized any credit transactions from. 
Action Taken : Upon discovery, I immediately contacted Southwest Credit Systems to inform them that the account was opened fraudulently under my name. I provided them with a detailed account of the situation, including the official police report and the identity theft report numbers, as evidence substantiating my claim of fraud and identity theft. 
Current Situation : Despite my efforts to resolve this issue amicably by providing ample evidence of the account 's fraudulent nature, Southwest Credit Systems has continued their attempts to collect this debt. This persistence occurs in spite of clear documentation and reports provided to them, indicating that the account was opened under fraudulent circumstances. 
Impact : This unwarranted collection activity has not only caused me significant stress and XXXX  but has also adversely affected my credit score, potentially impacting my ability to obtain credit, employment, housing, and other necessities. The refusal of Southwest Credit Systems to acknowledge the fraudulent nature of the account and their continuous collection attempts are both distressing and unjust. 
Given the seriousness of this matter and the clear evidence of identity theft, I urge the Consumer Financial Protection Bureau to take immediate action. I seek your assistance in investigating this complaint against Southwest Credit Systems, ensuring the fraudulent account is removed from my credit report, and stopping further unauthorized collection attempts on this account. 
I am prepared to provide any further information or documentation as required to assist in this matter. Your prompt attention to and resolution of this issue would be greatly appreciated. 
Thank you for your time and assistance.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2023 I filed a dispute with the credit bureau about a bankruptcy listed on my credit report. The credit company explained that the bankruptcy listed was provided by the circuit Court. I wrote to the circuit Court clerk and they sent a letter stating that they did not give my information to a credit reporting agency. I sent a letter to the credit and provided them with a copy demanding they remove the it. They violated my rights under the permissible purpose law and also violated my rights as a natural person. I would like for this item to be removed from my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$32000.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advantage Credit, Inc. (SD)

On XX/XX/2024 attempted to get a mortgage loan through XXXXXXXX XXXX XXXX and was denied due to a old collection account that is slated to fall off my credit reports this year or already has been removed. 
Advantage Credit a credit Reporting Service was the company responsible and i firmly believe its credit information isn't up to date with the other XXXX major credit reporting companies.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

Can not log-in to my account and can not get any one on the phone to help except a computer person. This is not the first time this has happened. This is stopping me from buying any products.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

My personal banking services emailed me a notice of overdraft due to insufficient funds. I checked my account and saw that Mohela my student loan servicer processed an auto debit amount of {$1500.00} on XX/XX/2023 but my monthly payment is suppose to only be {$190.00} per month as stated on my monthly bill. I called Mohela to discuss the matter and their representative informed me it would be refunded to my account within 24 hours, unfortunately this was not true. I called Mohela again on XX/XX/2023 informing them the funds have not been refunded. 

My biggest concern is how this is impacting the millions of borrowers as many people can not afford the time or resources to constantly call their servicer and be on hold for hours and many do not have the means to be depleted of their personal finances due to loan servicer 's mistakes. This is an issue of administrative mistakes that serverely impacts those who are even more underprivileged. In no other business/organization would be able to wrongfully charge consumers thousands of dollars and still be operating without putting a halt to their payment processing until issues have been resolved. Another customer representative informed me they had wrongfully charged another borrower their full loan balance! There has been no accountability for their mistakes and the level of wrongdoing is appalling. 

Loan servicers mistakes are severely jeopardize consumer 's financial resources and put consumers at risk of their housing/rent/mortgage timely payments. 

I truly hope CFPB takes this matter with utmost importance to ensure this is not another system perpetuating inequality for undeserved populations.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

This is in reference to the dispute filed against XXXX XXXX  from XXXX On XX/XX/23 I was contacted by a local plumber service- that then quoted the amount & then I gave the gentleman my contact number were XXXX XXXXr XXXX XXXX This is who XXXX XXXX is! XXXX They quoted over the phone - also text messages from the picture attached. 
{$110.00} then the service call to be added {$63.00} a total of {$180.00}. 
I sat the appt upon arrival I was met with a gentlemen who gave me an XXXX which I signed for service. The quote was {$180.00} to repair a gasket around a basement pipe. I sat upstairs for the XXXX min until he repaired the service after the ladder arrived- his partner then ask for payment- I gave him my PNC debit card for payment of {$180.00} that I was quoted & at that time he said it was declined???? I then ask how much did he run it for bc at that current time there was {$390.00} in my account. 

He proceeded to tell me {$1000.00}!!!!!! I said no sir!! Are you insane- this was not approved or authorized- not to mention quoted. Basically when he swiped the card he took every DIME TO MY NAME bc the {$1000.00} wasn't in my account. So it took what I had which was {$390.00}! These XXXX can't even give you a tital bc they made it up!! They said {$390.00} bc if you will look that's what I had to take & all I had to take!!! 

This is a total scam & rip off! We then had words & I ask him to leave my home immediately- I placed a call to the police at that time- they finally left! Services not completed fully either!!!! 

I then called PNC where I was directed to call back after the charge post to my account which posted XX/XX/23! I went 2 days with no money due to this company!! 
I was given a provisional credit & told I would be emailed or mailed a letter to provide my side of the story & any evidence! Especially bc he lied about the total when arriving and singing then swiped my card for what they wanted to which WAS AM ENTIRELY DIFF AMOUNT and not what was promised & quoted!! 

I have been a customer for MANY MANY years WITH PNC! I have family that bank here bc we live all in the same community- I'm very disappointed I was done this way! I woke up Saturday XX/XX/23 to find {$270.00} was deducted from my account with no prior notices- emails- calls- mailed letters! ( Oh by the way the letter PNC mailed was in the mailbox that Saturday morning from PNC when you took the $!!! ) How terrible to do your loyal customer this way? I didn't get to provide any of my truths- evidence or side of the story on top of what I was promised! Just 3 months down the road PNC comes into my account & takes out the provisional credit that was given!!!!! Now Im overdrafted of {$270.00} now after you applied the other monies to the merchant! I have been with this bank 10 years - as well as my family and business associates!! Shame XXXX XXXX is a FRAUD & SCAM!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SG and Associates (FL)

They sent me an original contract that is not mine. Does not have any signature from me, nor does it even have there name anywhere in the contract that they sent to me. But yet they are negatively reporting this info on my credit report. When i mentioned this to the company Stafford Group Assoc directly they stopped responding, And the credit bureau continue to say the information is verified even with this company name being nowhere in the so called Original contract.
Consumer complaint received 2024-01-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (IL)

The original debt was {$400.00} in XXXX  from XXXX. It was charged off and sold to XXXX XXXX XXXX collections. They have reported to the credit bureaus that it is {$780.00} and the debt is from XXXX. I disputed through the credit bureau and XXXX XXXX responded that what they say is accurate but I have the original documents that say otherwise
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please review the attached documents. I urge the bureau to commence an investigation into these accounts, as they inaccurately depict me as late when I have always been on time.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX XXXX  reported that I made payments on XXXX and XXXX of 2023 and missed a payment on XXXX of 2023. This shouldnt be the case if me and the car dealership, agreed to change the month I would have to pay a bill because the vehicle they sold me was in their hand majority of the time getting fixed.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-20
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I was recently reviewing my credit card statements as I was checking for any odd charges and I noticed that I had never gotten or was generated a statement for XX/XX/XXXX or XX/XX/XXXX. I spoke via live chat on Citi.com on XX/XX/XXXX and was told that " There's no transaction done so a statement couldn't be generated '' however a payment on the account for a balance count as a transaction and this also can be demonstrated by the statement that was generated for me on XX/XX/XXXX which had no purchases but two payments that counts as a transaction and generated the statement.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have never opened a loan with XXXX. I only had a XXXX XXXX XXXX which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was XXXX  days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held hostage and my credit continues to suffer.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/2023 XXXX Slate XXXX XXXX, Fl XXXX Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: GLOBAL SOLUTION BIZ LLC. (FL)

I have been contacted by this company via, phone call, email and text. I requested information to verify who they are and what this is about and they denied. They've been unprofessional and threatening over the phone. They said they would show up to my house and freeze my bank accounts
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]