davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Premier Portfolio Group (CA)

I received and automated call from XXXX ( Premier Portfolio Group ) notifying me that if I did not call XXXX by the end of the business day, legal action would be taken against me. I called the number and spoke with XXXX XXXX. She stated that her client wanted to give me a chance to pay on a past due payday loan from XXXX before paperwork would be filed in XXXX XXXX County and I would be charged with Intent to Fraud and Malicious Intent due to the fact that the checking account I supposedly took this loan against was closed. 
I asked for verification of the debt and she could n't provide me with anything. She then stated that if payment arrangements were not made by the time we ended our call, she would notify her " client '' that I refused to pay and legal action will begin. She informed me that the amount owed was {$620.00} and if I did n't pay, there would be another {$1000.00} in attorney 's fees that I would be responsible for. She said I needed to pay by XXXX XXXX. I informed her I could n't pay anything until XXXX XXXX. She then offered a settlement amount of {$430.00} if I paid immediately. I again told her I could n't pay anything until XXXX XXXX. She then asked if I could pay anything on XXXX XXXX. I told her I could possibly make that work. She then transferred me to what she called a " secure line '' and took my debit card information. I later received and email with the payment arrangements listed on them and began to do more research. First off, the debt was from 2011 and the statute of limitations in California to collect a debt is 4 years. Also, the date noted on the payment arrangement notice listed that the date was taken out on XXXX/XXXX/2011. At that time, I was out of work on XXXX and due to that fact, would not even qualify for a payday loan. I did not return to work until XXXX 2011.
Consumer complaint received 2023-07-15
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. (IL)

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 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 Bankruptcy Reference # : XXXX Date XXXX ; XXXXXXXX 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 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DC)

XX/XX/XXXX - My monthly payment was due with Mr Cooper - I called Mr Cooper because my automatic payment had been cancelled and ask them if I should make my monthly payment and they said yes - I made the payment XX/XX/XXXX - I receive a letter from XXXX XXXX saying that my loan had been transferred and that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX or get a late fee XX/XX/XXXX - I called Mr Cooper and they said the payment had n't been posted so I needed to call back on XX/XX/XXXX XX/XX/XXXX - I called Mr Cooper, they did n't answer or return my call XX/XX/XXXX - I called Mr Cooper and they said they had the money and it would be transferred to XXXX XXXX at some point - They would n't give me a day or a time - They would n't put it in writing that they will transfer the funds - I have no assurance that the money will go to XXXX XXXX or that I wo n't be charged a late fee
Consumer complaint received 2022-11-30
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX and Equifax credit bureau to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30
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. (PA)

XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In 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 an account without my written instructions.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-23
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: CLGF Holdco 1, LLC (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Consumer complaint received 2022-11-30
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-20
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX. 2022, I deposited into my Regions checking account a {$500.00} check from a client and a {$500.00} money order issued by the XXXX. A 10-day deposit hold was put on both. 

I was told there was nothing that could be done and interest would not be paid. 

The Money Order issued by the XXXX is not a deposit instrument and 3 days is the limit the bank has to pay this. Their reason for holding both? They might not get paid. 

I have never bounced a check at Regions, they have no reason to hold my deposits.
Consumer complaint received 2023-06-25
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. (AR)

I have called the credit bureau and MAILED them My identity theft report and identification and they STILL hav e or removed the fraudulent accounts and address from my credit report as well as inquiries. So now I am filing an official complaint against them as they keep telling me they dont have the documents which I had expressed mailed to them TWICE. So now I will put them through here as by FCRA laws they are to removed and block these items. 
I will attach all letters as well as list the accounts. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX member I was gone for couple months just got back and noticed some fraudulent activity/account on my report that according to the FCRA ( Fair Credit Reporting ACT ), 15 U.S.C 1681. legally these unverified & unauthorized items MUST be removed! Account name XXXX & XXXX
Consumer complaint received 2022-12-21
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
DEPT OF EDXXXX Balance {$24000.00}
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XX/XX/XXXX I applied for a home mortgage and was denied on the grounds of a Foreclosure showing from XX/XX/XXXX.  Herein lies the problem, XXXX XXXX XXXX reported the Foreclosure on the above listed date.

First, this foreclosure does not show on my Consumer Credit Report so I was unaware of the foreclosure until I attempted to obtain this new Mortgage.

On XX/XX/XXXX, myself and my ex-spouse signed a Deed in Lieu of Foreclosure.  
On XX/XX/XXXX I received a IRS Form XXXX showing Cancellation of Debt.
On XX/XX/XXXX a Satisfaction of Mortgage was recorded.
On XX/XX/XXXX the aforementioned Foreclosure was recorded by XXXX XXXX XXXX, a company I had never heard of or was ever advised had any interest in any mortgage.

Ultimately as a result of this Foreclosure that, as stated before, I had no knowledge of, I have been denied a new Mortgage.  This filing, that does not show on my Credit Report is the sole reason for the Mortgage Denial.

My question is, If I was given an acknowledgment of Cancellation of Debt in XX/XX/XXXX, how can a Foreclosure be recorded in XX/XX/XXXX by a Servicer I've never heard of, without me being notified of the action.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXXXXXX XXXX member I was gone for couple months just got back and noticed some fraudulent activity/account on my report that according to the FCRA ( Fair Credit Reporting ACT ), 15 U.S.C 1681. legally these unverified & unauthorized items MUST be removed! Account name XXXX & XXXX
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

It's my understanding that FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed inaccuracies in some of the listed accounts, and it's causing me some unease.
Consumer complaint received 2022-12-07
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. (FL)

I filed disputes with all three credit bureaus and all three credit bureaus ruled in favor of the fraudulently opened account due to data furnisher, whatever that is after I have repeatedly tried to convey to them that I have no knowledge of this account at all I did not open this account
Consumer complaint received 2017-04-02
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (MI)

My name is XXXX, Hunter Warfield is a debt collection agency. XXXX are using them to collect a debt I owe. However they call my parents house daily now its twice daily. They have an automated service calling you can never speak to a real person. Plus they are listed on my credit file twice. I have paid them so far {$100.00} dollars and after I paid them the {$100.00} is when they started calling twice. I do not know why they are calling my parents number and not mine. Please help with this matter. I do not know what to do to get them to stop calling my parents. 
My email is XXXX phone number is XXXX I am on XXXX and XXXX at night so I sleep during the day, if I miss you call I will return it the next business day. 
Thank you very much for you help in this matter XXXX
Consumer complaint received 2018-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX.

I made a XXXX   payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period.

They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report.

today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late.

this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, 2017, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ).
On XX/XX/XXXX, 2017, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use TransUnion 's online portal to place an extended freeze on my credit report. Usually the online portal will tell me that the system is busy and can not process the request ; however, occasionally, it will give me the error that it can not give me a copy of my credit report. I already received a copy of my credit report, found fraudulent tradelines, and I need to place a Freeze. TransUnion 's error does not make any sense. 

I am the victim of identity theft and need to freeze my TransUnion credit report, but can not obtain a freeze from TransUnion.
Consumer complaint received 2022-12-21
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (CA)

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 Experian credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$920.00}
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (KS)

In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXXXXXX Account # XXXX, have 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 an account without my written instructions.