davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

This account is a product of identity theft. It is not the first time that a collections company has tried to collect on this fraudulent account. Evidence has already been presented that I never lived in the United States during the period when the account was opened. Furthermore, due to the statute of limitations in Texas, this account can not be collected on anymore. I request that all entities help to stop these illegal charges as I am a victim of identity theft. Additionally, it should be shown that the collection company is licensed to make collections in Texas as they engage in bad collection practices.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XXXX XX/XX/2023, I sent {$350.00} ( XXXX Pesos ) to a bank in the XXXX through PayPal. Of that amount, XXXX Pesos are still on hold. The bank is not withholding the money, so many ( XXXX ) attempts were made to contact PayPal to : 1. find out the reason for holding ; 2. expected fund release date. I was repeated told that the funds have been released to the intended recipient without offering any explanations as to why some of the money was still on hold. PayPal also repeated asked to have the recipient contact PayPal -- - I was told that I may not discuss details with PayPal -- - but the recipient has already contacted PayPal without getting any responses. As a sender, I should be able to discuss the reason why the entire money has not been released to the recipient. This is a racket and they only provide scripted responses. I also repeatedly ask for the government agency that I can report the issue to. This request has been consistently ignored.
Consumer complaint received 2023-06-20
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)

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Consumer complaint received 2023-05-31
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA IS HOLDING {$10000.00} OF MY MONEY IN MY CHECKING ACCOUNT THE ACCOUNT IS CLOSED AND I HAVE ANOTHER CHECKING ACCOUNT WITH BANK OF AMERICA. 

I NEED TO TRANSFER THIS MONEY TO MY NEW CHECKING ACCOUNT. 
IT IS UNFAIR OF THEM, I NEED THE MONEY TO PAY MY BILLS & I CANT. 

I HAVE NO CLUE WHY THEY ARE HOLDING THE MONEY, AND THEY HAVE NOT RESPONDED TO ME. 

I HAVE SPENT HOURS ON THE PHONE TRYING TO GET INFORMATION, TO GET A DROPPED CALL.
Consumer complaint received 2023-06-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solution XXXX XXXX XXXX  XXXX, PA XXXX Dear TransUnion I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name:XXXX  XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Account Name : XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete these accounts immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2023-05-31
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. (TX)

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. I told Transunion, to reinvestigate these accounts : XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX XXXX, XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

We have been in an active short sale since XX/XX/XXXX. When Selene Finance LP became my new Servicer of my mortgage we requested who my single point of contact was. We call over 50 times between myself and my Realtor without any success. Finally, on XX/XX/XXXX of XXXX, we were assigned a Single point of contact. 

We have an all-cash offer on the property. Now that we are finally working with the underwriter to move this to a closing Selene Finance sets a date for a foreclosure. In the state of TN, the servicer MUST notify the homeowner that the sale date has been set via regular mail and certified with a signed receipt. I never received anything. Even when I called Selene Finance and told them they broke TN law by not sending me the letter of the sale date. Please show me proof that XXXX or XXXX sent this letter to my house. Even show me the sticker they would place on my door saying they will try again. No proof this sale date letter from XXXX XXXX XXXX was ever sent out. This law firm is notorious in the state of TN for these illegal tactics. 

Now I am requesting a QWR RESPA TILA because of the matter.
Consumer complaint received 2023-05-30
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. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

Mortgage companies were able to access my info when a hard inquiry was pulled from my credit. Rocket mortgage was the absolute worst in customer service, they not only called me repeatedly, but they asked my lender for a payoff amount that I never gave them permission to pursue. I told them specifically I did not want to refinance my great rate, and I only wanted to apply for a HELOC. They specifically went against what I asked and contacted my Lender anyways. There should be laws against this. It's completely unprofessional the way they communicate and how they speak on the phone to customers.
Consumer complaint received 2023-05-30
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. (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 XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX : # XXXX, account name XXXX XXXX XXXXXXXXXXXX XXXX # XXXX, XXXX XXXX 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.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (MS)

I made a payment through my credit unions bill pay service ( XX/XX/2023 ), and the creditor has not applied it and says ( via email this morning XX/XX/2023 ), payment is due XX/XX/2023 but it was paid on XX/XX/2023. ( See Attachments as proof of payment ).
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 — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (NJ)

I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : XXXX Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX
Consumer complaint received 2023-05-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Fraudulent charges was mad to my account from XXXX XXXXXXXX XXXX, and Ive never lived there Ive been living at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX since XX/XX/XXXX XXXX
Consumer complaint received 2023-05-30
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. (FL)

I am interested In processing disputes on my credit report with transunion to delete an remove all inaccurate data that is hurting my file an causes errors across credit file. please review and delete the invalid information that is currently on my credit report to clean my file asap.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

This was honestly about 10 maybe 11 years ago. I had a car that was repossessed by Prestige Loan company they are located in Utah. I had the car for about a year or so and then as a XXXX  my job became really slow. Some days I would bring home XXXX $ and I was taking care of my children by myself with no real help from their father. It became so bad that of course I could no longer pay for the car so tgey repossessed the car. They came to my job to let me know they were repossessing it. Maybe a month later they continued to harass me for the remainder balance left on the vehicle. Which I didnt have I was barely making rent in fact I was soon evicted from the apartment that I was in when they took the car which was around XXXX. They took me to court where they asked for mediation where there was a judge who told them I didnt have the money. Then we went to court again and they were told I didnt have the money. So now 10 years later Im getting letters in the mail from lawyers saying they want to represent me because Im being sued by Prestige. They would be suing for no money after 10 years?

So now this is where I really want to express myself as a consumer. I am still taking care of my same XXXX kids XXXX  and now I have an ill elderly parent. Inflation has got me. I am barely paying my rent and my electric bill has been ridiculous and everyone works most of the time. I cant even afford to take care of my own failing health with XXXX XXXX. I have XXXX XXXX that I has been expensive but I cant do everything that needs to be done because its unreal how expensive that is. When my children have any health problem we go to the XXXX XXXX  but we never really find out whats wrong. So this Prestige loan company after 10 years meaning this has been off my credit for a while. Also this is harassment for a debt that is 10 years old. The fact that they are even able to come back to someone after 7 years has passed is so ridiculous. I keep questioning is that even a law anymore and everyone keeps saying it is a law. These people from Prestige are predatory in their collection practices and I cant afford to to do any thing about this. Is there any unfair collection practices happening with this? I need your help. I talked to the FTC and they told me to contact you and make a complaint and still file one with them afterwards. I can not afford to pay them anything. I dont have any paperwork from that but Im sure the case is still showing from when we were in court 10 years ago.
Consumer complaint received 2022-12-24
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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. (KY)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXXXXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I don't have a contract with them
Consumer complaint received 2023-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX. 2023 I noticed as I was looking over my credit I noticed there was an auto loan that I was unaware about. Overtime I've received calls and emails from capital one about this but I never really sat down and paid it any attention until now because it started to affect my credit. I thought that the calls and emails were reminders for my own personal credit card I have through them not an auto finance loan through capital one. Now that I'm looking more into it I believe there has been an identity fraud theft because I've been receiving notices about car tickets in my name under this cars information. I am taking the proper precautions to get this taken care of because this is an unfortunate circumstance and is affecting my credit and causing me debt.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX