davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (GA)

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, 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 2016-04-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This organization is reporting XXXX accounts that I do not have knowledge of incorrectly, thus causing damage to my consumer credit report. I have not been provided verification of the accounts despite my numerous written requests. I believe my entitlements under the FCRA have been violated. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Several accounts were opened as an act of fraud either by an ex significant other who managed our finances or by an individual in my area using my identity, or both. A significant possibly of confused identity also exists. I can only speculate what has occurred. 

Some accounts were managed for a long period of time, as if they were an extension of someone 's credit - thus suggesting an ex significant other. However, other accounts follow a pattern of being opened, quickly used, never paid on and subsequently charged off - thus suggesting a unknown fraudster. Other accounts seem strange and unrelated completely - perhaps a case of confused identity. I can only speculate on what has occurred. 

Regardless of the case, I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this fraud. I do not know of the accounts in this office and had they contacted me or verified the items as I requested countless times, we likely could have reached a resolution. 

I listed the accounts on a notarized Federal Trade Commission Identity Theft Victim Complaint and Affidavit to protect myself.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (OH)

Pl ease consider this correspondence to be formal complaint to the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).    The denial letter was also not received for an appeal period to be responded to until  XXXX / XXXX  /2017 and  the file was denied  in  XX/XX/XXXX .
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : XXXX XXXX XXXX acquired a debt from the original creditor, Synchrony Bank, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to XXXX XXXX XXXX, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with XXXX XXXX XXXX, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that XXXX XXXX XXXX immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that XXXX XXXX XXXX rectifies its violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Consumer complaint received 2023-02-03
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. (GA)

and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (FL)

My tenant paid me on XXXX XXXX  via Zelle money transfer. I was supposed to get it that day but either Zelle or my tenants bank, I believe, XXXX XXXX has not transferred the money until today, XXXX XXXX XXXX XXXX XXXX XXXX 
I have called my bank, XXXX XXXX, and they said they had no control over Zelle or knowledge about transfer and that my banking side is good. My tenant called her bank, I believe, XXXX XXXX, and they said to call Zelle. 
Calling Zelle does not connect you as the prompt does not connect but suggests to contact a bank with whom one used Zelle. 

My fear is that they use similar practices for many customers with minimum oversight and people maybe afraid to complain. I am not a criminal or fraud, my tenant has been using them as an established client and transferring money using same Zelle transfer services for a long time. 

Is there anyway to put a stop to it? I understand that they can say security measures were in place and holidays did not help but should it not be the case for established consumers that sent money to each other for quite sometime? Please assist and advise.
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (ME)

I closed on the sale of my home on   XXXX / XXXX /17.   Round Point Mortgaging  held my mortgage at the time.   XXXX   XXXX   XXXX   contacted  Round Point  for the payoff statement o n  XXXX / XXXX /17. The payoff statement stated {$130000.00} was amount of payoff, good through  XXXX / XXXX /17. A check was sent by   XXXX   XXXX   to Round Point for {$130000.00} on the day of closing,  XXXX / XXXX /17. I cont inued to receive phone calls from  Round Point  in an attempt to collect payment they were saying was past due, so I stopped answering their calls knowing the pay off check was en route. Then I received foreclosure paper work in the mail from  Round Point M ortgage Co. I called and spoke with a woman who told me there was a shortage of {$860.00} from the pay off amount and stated the reason why was because of escrow shortage & fees. She also informed me as of   XXXX / XXXX /17 the amount d ue was $ 1300+. This woman also informed me that   XXXX   other pay off statements had been generated b by Round Point  Mortgage Co since the original da ted  XXXX / XXXX /17. I was told t he reason for the updated pay off statements was due to  Round Point  paying the property taxes that had come due on the property. It took me  two  weeks to actually speak with my " Accoun nt Manager ' ' who then told me it was   XXXX   XXXX   XXXX   XXXX   error, not Round Point 's. After contacting   XXXX   XXXX   XXXX  , they of course stated it was an error o n Round Point  Mortgage Co 's, not theirs, and stated they never received any " updated '' pay off statements ; only the  1st dated  XXXX / XXXX /17. I contacted the Town I live in to find out about the taxes being paid. They received the payment from the buyers of my property and then received Round Point 's check for taxes in amount of {$2000.00}. They have issued a refund to Round Point Mortgage on  XXXX / XXXX /17 for {$2000.00}, which to date is not bei ng reported b y Round Point as r eceived. I received a statement from  Round Point o  n  XXXX / XXXX /17 showin g a balance due now of {$2200.00}. I 'm unclear whether the error was on  Round Point 's  for sending the tax payment or  XXXX   XXXX  for not sending the correct payoff. I 'm under the assumption at this point my next step is t o 1. report this to cfpb and 2.  hire a lawyer to take care of this issue.
Consumer complaint received 2022-11-28
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. (WA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-22
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosedcopies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (OH)

Made defer arrangements car payment with Ally Financial by phone. Their representative who acted on their behalf said eligible, sent paperwork, and I sent $ $ as told to make active defer as told. Case # XXXX. Two month defer beginning and including XX/XX/2018 if I sent in {$160.00} and I did and got confirm for that. Was told I have to pay more money to them XX/XX/XXXX for {$110.00}. Ally harassment of me non stop. Two sample days on phone harassment : XX/XX/2018 : XXXX XXXX., XXXX XXXX   ; XXXX XXXX  phone calls. XX/XX/XXXX : XXXX XXXX, XXXX XXXX  ; XXXX XXXX Harassment began day after they got my . Tried working with them calmly when they began harassment. Did not work. Advised them not to call any more. Did not work. Began yelling and cursing at them doesn't work. Put phone status on not accepting any calls. Now they are sending threatening letters and got my first one on XX/XX/XXXX in PO Box . It is dated in XX/XX/XXXX and telling me I have until XX/XX/XXXX or they will take action. They also charged my checking account after date of defer causing more fees to me. XXXX XXXX XXXX vehicle
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC (IN)

ONCE AGAIN NATIONSTAR MORTGAGE FAILED TO RE-INSERT ACCOUNT BACK INTO MY XXXX CREDIT REORT SINCE 2013 ( SEE ATACHED ) IN VIOLATION OF THE F.C.R.AA. AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but  XXXX  will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00}  2.    XXXX  {$5400.00}
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  Balance XXXX XXXX XXXX MEDICAL XXXX  Balance : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the Equifax report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my Equifax credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my Equifax report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to Equifax. Since being removed from Equifax, the collection status information has re-posted to Equifax three times during the first week of the past three months. XXXX advised me to dispute with Equifax ( copy of email attached ). I have disputed with Equifax previously with no success -- only XXXX can update my report. If my Equifax report continues to show unlawful information for my XXXX XXXX   account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!
Consumer complaint received 2023-01-07
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. (NC)

I'm XXXX XXXX, and I value you setting aside some margin to update a portion of the data in my credit document ; notwithstanding, there are still a few accounts that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX 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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This account is over 7 years old. They had a duplicate account and one fell off, They refused to take the other account off. I disputed this account about a week ago and they took off paid collection status when I let the credit bureau know that the date of last activity is incorrect.
Consumer complaint received 2022-11-29
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. (CA)

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 XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Acount name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # 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. And i have filed police report as well
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.