davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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. (IL)

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX. XXXX XXXX XXXX, Acct # XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I rented from XXXX apartments in XXXX. I broke my lease, gave more than 60 day notice. The management company was to send me a bill to my home address, because they did not calculate the final move out bill ( {$580.00} ). The company lost my address and never sent me the final bill, did not call. I called management 3 times to ensure my file was satisfied. They changed management companies, lost my file and slapped me with a collections charge of {$690.00} months later. 
1 ) Charge is too high 2 ) management negligence caused this to happen 3 ) I was not allowed to speak to management after it went into collections. 

Here is the latest letter they sent me : XX/XX/XXXX Current Creditor : XXXX at XXXX XXXX XXXX Balance : {$690.00} Enclosed you will find copies requested. 
If a balance is remaining on your account ( see above ), you may send payment in full to National Credit Systems , Inc . 
Otherwise, you may contact our office immediately at ( XXXX ) XXXX. 
It is important to know that National Credit Systems , Inc. is a third party debt collection agency whose efforts are solely on behalf of the current creditor who has previously validated this debt
Consumer complaint received 2017-12-16
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow XXXX is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this account.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (NY)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
//The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my 3rd time sending this complaint they said that my ID was not clear i need this resolved
Consumer complaint received 2024-01-18
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

SYNCB/TJX COS has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/year> I notified SYNCB/TJX COS that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that SYNCB/TJX COS has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that SYNCB/TJX COS complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( XXXX XXXX XXXXXXXX XXXX ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}. 
On XX/XX/18, I contacted the Law Firm- XXXX XXXX XXXX and spoke with a Mr. XXXX XXXX XXXX XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for  validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with Midland on behalf of XXXX XXXX. I never heard from MrXXXX XXXX at that time. 
On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the Midland/XXXX XXXX, give it a couple more weeks. Wow! 
On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm? 

Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm. 

I would like them to cease and desist collection matters on this account!
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (IL)

i noticed a pass due account on my credit report from XXXX XXXX XXXX XXXX. I called them right a away and explained that i have never ever lived or stayed in NJ and have nothing to do with this, they asked me if i have a girlfriend, i said i have a wife and the lady asked me about my wife name, after i told her, she said " ohhh no it is not her '', but theres nothing that she can do to help me. then i disputed it with XXXX  and XXXX XXXX, after couple of Weeks they said that they contacted the company and everything checks out so they updated the file and made it worse. I called and try to explain and they were not very helpful. I also filed a report for identity theft with FTC and submitted it to XXXX. XXXX XXXX XXXX XXXX are the real criminals.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My loan has been serviced by Green Tree Servicing for over seven years, they just changed the name to XXXX but their customer service shows no improvement. My HO insurance premium is due on XXXX XXXX of each year but every year they pay it upon receipt of the insurance company bill, usually thirty to forty five days ahead of time and if I need or want to make any changes to the policy or go with a new company I must cancel the policy, wait fifteen days for a refund from the insurance company, return the refund to Green tree and in the mean time get another policy and pay it with my own money because the escrow at Greentree has already been debited for the premium. I have asked them to please allow me a few days to review the policy several times, the last time on XXXX XXXX, 2015 via email and I received an acknowledgment to my email on XX/XX/XXXX. Today, XXXX XXXX, 2015 I received an unsigned letter from customer service denying my request. I have contacted the Florida Division of Insurance on this issue and banks and loan servicing agents DO NOT HAVE TO PAY UPON RECEIPT way before the renewal date from the insurance company bill. I am a retired accountant who worked in Banking twenty five years and I know that Green Tree/XXXX is not being truthful. They display the utmost disdain for customers in terms of reply time and customer phone service. Please see if you can help me, they are hurting me financially by forcing me to pay a new policy out of my own resources in addition to all the paper work created by cancelling a policy, getting the insurance company to refund me the premium, having me return the premium to Greentree and then waiting until they pay the new or modified premium. By golly, if this is not stupidity I honestly do n't have a word for it. PLEASE HELP ME. 
Thank you so very much.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (NY)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
XXXX following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my 3rd time sending this complaint they said that my ID was not clear i need this resolved
Consumer complaint received 2024-01-18
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. (IL)

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 2023-01-03
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : # 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 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 2023-04-22
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. (SC)

This is my 11th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XX/XX/2022
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP. (FL)

The company gave me an XXXX  notice to vacate property for none payment of lease while I was in XXXX Two weeks later I was XXXX and they had sold my property I called the clerk of courts and no forcloser had been done I requested that they send me all paperwork related to it and they stated they dont have to send me anything because I have a care taker and this is not correct Im in the process of getting a civil lawyer to handle all legal paperwork to get this matter resolved and they want send me any paperwork.
Consumer complaint received 2017-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I called to sign up for the rate reduction plan again. I was made to believe that it was complete and would be reflected in my next statement ( {$420.00} ). I was then charged without being notified, twice for my loans ( {$820.00} ). When I called to get the problem resolved, they said it would take 10-20 days for a refund and needed a bank statement to show that they bounced my checking account. I called 3 separate times with all completely different answers about how to result the issue. My loans are still not refunded. Then when checking my account today XX/XX/17, I saw that only three of my loans were qualified under the new rate reduction plan ( {$420.00} ), which have always covered all four of mine, and a new charge had been added for the forth ( {$180.00} ). All the interest rate tripled since this month ( 8 %, 10 % ), and I have no been able to get anyone on the phone to remedy this serious issue.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (IN)

Account Name on Experian is XXXX XXXX XXXX XXXX Account Name on XXXX is XXXX XXXX XXXX XXXX Account Name on XXXX is XXXX XXXX  XXXX XXXX XXXX Account Number on Experian is XXXX, Account Number on XXXX is XXXX  and Account Number on XXXX is XXXX ... XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, 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 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

Nelnet is my student loan servicer and I currently have {$190000.00} of student loans. This will continue to increase as I complete my XXXX XXXX. 

I first submitted my application to update my income-driven repayment plan to SAVE on XX/XX/XXXX. To my confusion, there's nowhere in the application to explicitly choose the SAVE plan. However, I clicked " please choose the cheapest plan ''. I called Nelnet multiple times to ensure I'd be placed on the SAVE plan and was always left on hold for hours. Since I am a student with responsibilities, I couldn't wait on hold each time. The final time I finally got in contact with Nelnet, I had been on hold for over 4 hours. However, they did confirm they would switch me to the SAVE plan. My application was finally processed on XX/XX/XXXX ( almost 2 months after submission ). I was approved for an updated IDR plan, but much to my dismay it was NOT the SAVE plan. 

I re-applied to change my IDR plan to SAVE on XX/XX/XXXX. Once again, there was no option to click specifically for the SAVE plan and I had to leave it up to Nelnet. I called and waited on hold for hours again, and was again promised I'd be put on the SAVE plan. They also mentioned lower error rates with paper applications, and sent one in the mail. I received ( but never submitted ) the paper application- this paper application ALSO did not have an option to specifically request the SAVE plan. I was re-approved for an updated IDR on XX/XX/XXXX and was AGAIN devasted to see that I am still not on the SAVE plan. 

I feel HOPELESS. My current monthly interest expense is around {$1200.00}, which would be forgiven under the SAVE plan due to my income ( {$0.00} income as a student ). This interest expense will only continue to grow as interest accrues, both from taking out more debt to complete my degree and the compounding interest effect. The current expense is already {$1200.00} - more than many families pay for rent every month. An absurd amount that it being added to my debt every single month that Nelnet avoids their responsibility of putting me on the SAVE plan. 

Please, please, please help.
Consumer complaint received 2024-04-06
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)

I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-01-18
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: LJ Ross Associates (MI)

I XXXX XXXX, have contacted LJ ROSS AND ASSOCIATES online and via certified mail between XX/XX/XXXX and XX/XX/XXXX. I've requested account validation of the collection account XXXX that has appeared on my most recent credit reports. LJ ROSS AND ASSOCIATES has failed to provide me with any form of account validation that I have requested in my certified letter to them. 

I spoke with XXXX XXXX ( original creditor ) on XX/XX/XXXX. 
Per my request, XXXX XXXX was able to immediately verify my current account information in their system and also confirm that my account has not been sent to a collection agency- nor should it be reporting as a collection account with LJ ROSS AND ASSOCIATES or anyone else. Finally, I requested that XXXX provide me with an email letter confirmation of my current account XXXX. I've attached the proof of the letters XXXX XXXX has provided me with below.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (FL)

I had this debt on my credit from XXXX and XXXX XXXX agreed to remove the debt from my credit report and they did in XXXX and now this company XXXX XXXX is trying to collect the debt XXXX XXXX agreed to resolve I'm buying a house in 2 weeks and I need my credit score to remain high
Consumer complaint received 2023-09-15
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. (NJ)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.