davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
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. (TX)

I have filed numerous disputes with the credit reporting company and accounts that were opened in my name, are still listed each time I call and speak to a representative I am informed that the process will take an additional 30 days and there is never a resolution in having the items removed. I also spoke with the representative regarding incorrect personal information, including social security number and addresses and inquiries that were not authorized by myself and was informed these would be deleted yet my most recent report still shows the information listed. I have attached copies of my FTC identity theft report along with responses from XXXX XXXX, XXXX, and XXXX XXXX XXXX indicating that they have agreed to delete all the accounts. 
This is a direct violation of my consumer rights under : section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NC)

The company ( CONVERGENT ) called saying they were going to report a negative remark to my credit report if the amount wasn't paid in full ( {$1000.00} ). I received the call XX/XX/XXXX. I explained to the REP I didn't owe the amount they were claiming I owe. I asked the REP to send me proof that I owed the debt in question.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Called and attempted to cancel membership online. There is no option to cancel, only to downgrade. I do not want their credit monitoring service at all. 

They require you to sign up even to just receive a credit report. Then they charge you each month. 

I want a refund for prior months and for a cancellation / closure of my account.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-16
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: SUNRISE CREDIT SERVICES, INC (FL)

Sunrise credit services was suppose to delete their account on my credit file with all credit Bureaus from my recent complaint back in XX/XX/2023 but they only deleted it from XXXX and XXXX and not yet from XXXX since XX/XX/2023 and it is still reporting on XXXX please delete the account that you promised to from complaint id with the cfpb : XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (SC)

ACIMA DIGITAL FKA Simple have been furnishing my alleged transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACIMA DIGITAL FKA Simple is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I have disputed these debts with XXXX, XXXX and XXXX 9 times with success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following Collection Company : Receivables Performance Some of the answers that I received were that the collection had an update, and deleting it from my credit report but right now it appeared again in my credit report with this other Collection Company : ( Source Receivables MNG ) {$920.00} charging the same collection that I deleted in the past because it was not mine.
Consumer complaint received 2023-04-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mortgage Research Center, LLC (IL)

I sent XXXX XXXX XXXX ( Debt Collector ) a notice of validation of debt in accordance with the FDCPA. I did not receive the proper information to satisfy my legal request concerning a XXXX dollar debt I allegedly owe. Veterans United has notified me that XXXX XXXX  XXXX XXXX XXXX is a debt collector and is servicing my loan. I would like XXXX XXXX XXXX to provide me sufficient evidence or information concerning the validity of this loan/ alleged debt in accordance with FDCPA.
Consumer complaint received 2017-04-04
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore Loan Management Services, LLC XXXX, CA XXXX My aunt and uncle ( deceased ) had a reverse mortgage that was serviced by a company called XXXX. My uncle died in XXXX. His wife could not afford to maintain their home nor afford to pay insurance and taxes on the home. In XX/XX/XXXX, she sent by certified mail return receipt requested, a letter to XXXX with a copy of the death certificate stating her situation and requesting that HUD take back the home. In XX/XX/XXXX, she had not heard anything from XXXX and called them. They told her that they had received the death certificate but did not have any record of the letter turning the home over to HUD. She again sent a copy of the first letter to XXXX by certified mail return receipt requested. At that point she washed her hands of the situation. She cancelled the utilities and quit paying for insurance and taxes. The home has now been vacant for over two years. On Friday, XX/XX/XXXX, she receives a certified letter from an attorney 's office hired by your company stating that they intent to accelerate the note if she does not pay {$110000.00} plus other fees. After getting the attorney 's office a letter of authorization to talk to them from my aunt, I was told that the file had been closed. 
My aunt is elderly. She does not need this kind of XXXX. She did what was required two years ago. 
My question to you is " What the XXXX is Going On? ''
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CO)

XXXX XXXX XXXX has been billing me for 3 days of insurance coverage which I never purchased. I have asked them to provide proof of purchase which the have never provided nor have they ever provided a policy in my name. Now I am being threatened with legal action and adverse credit reporting by Credit Collection Services XXXX XXXX MA. I have also asked this collection company to provide proof that I was the one who purchased the insurance policy to no avail.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

Elan took an automatic payment after I had already made a payment. The account has never been on automatic pay since i got it XXXX  years ago. 

I have requested the 2nd payment be reversed and credited back to my checking account THREE times.

This is causing me extreme financial hardship as I was unable to satisfy other monthly obligations without these funds.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To whom this may concern, I sent TransUnion a letter date XX/XX/XXXX requesting the removal of unauthorized credit inquiries. I informed TransUnion to provide me with accurate documation that I authorize the inquiries and provide permissible purpose of the inquiry. TransUnion responded to my letter on XX/XX/XXXXstating that I have to contact the original creditor regarding the inquiries and they didnt provide any investigation regarding the inquiries and by FCRA law I know that TransUnion is responsible for investigating inaccurate information. I sent TransUnion a 2nd letter regarding the inquiries dated XX/XX/XXXX as a response to there letter, requesting again that unauthorized inquiries be removed along with my updated credit report highlighting all unauthorized inquiries. TransUnion has failed to provide me with any further information regarding these hard inquiries. I have attached to this complaint claim the letters that were sent to TransUnion along with USPS certified tracking information for date of receipt references. My credit score is my reputation and reporting inaccurate information without investigation is unfair to me as a consumer. I hope this can get cleared up as soon as possible. Thank you so much.
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (SC)

This company keeps reporting every month on my credit report. I have absolutely no dealings with this company. I have no contract at all with this company. I have tried and tried to dispute the claims of this company to no avail. 

The doctrine of privity in the common law of contract provides that a contract can not confer rights or impose obligations arising under it on any person or agent except the parties to it. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. 

LVNV FUNDING LLC XXXX O XX/XX/XXXX Open {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency LVNV FUNDING LLC Original Creditor XXXX O Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00}
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This was my fifth submission of CFPB complaint for informing the XXXX that I was a victim of identity theft, and this is another request to block and remove this inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Bureau was required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my TransUnion Credit Report, and know that this inquiry was opened without my consent. Please see below the inquiries that I urgently needed the Bureaus to remove : XXXX : XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (CA)

This is my 3rd 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 Balance : {$500.00} ; XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX : {$3000.00} XXXX XXXX XXXX XXXX XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$890.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Please correct or delete the following : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, Y XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-Off. 
PORTFOLIO RECOVERY ( {$1600.00} ) XXXX AND XXXX I am formally disputing and requesting the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency from my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, or any lines of credit. 
It is critical to highlight that I have never entered into any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7, along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-08-03
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

Received a report from XXXX XXXXXXXX of an account opened under my name. I called Chase Bank and they told me an account was attempted to be opened under my name on XX/XX/2023. I reported it as fraud and closed the application. I was told they opened the account using my name and Social Security number by their fraud team.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

PennyMac continues to delay payment of my contract 's invoices. Payment of this invoices is necessary for my contract 's to order supplies and complete the necessary repairs to my home after XXXX XXXX. Over {$100000.00} of damages need repaired before my family can move back into our home. Meanwhile, PennyMac continues to hold over {$100000.00} in their escrow account while it draws interest for them. I have received nothing but difficulty and obstruction fromPennyMac at every turn. 
The did send one check for one contractor ... .it was for the wrong contractor AND it was for the wrong amount. I had to overnight the check back to them which had to be " processed for 2-3 days '', then they had to wait for their own check to " clear '' before they could re-issue a new check. But then they said they did n't have all the documents they needed from the right contractor to process the new check ... despite the fact that I have fax confirmation showing the documents they requested had been sent a minimum of 2 times each.
Consumer complaint received 2023-08-03
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}